Deposit Credits do not expire as long as you are an active learner and member of Aera, steadily working towards your first home goal. Any unlocked credits have no value other than contributing to your first home deposit at the point of purchase so long as you have utilised the relevant Aera services and all terms and conditions are met.
They may be deemed inactive if you stop saving with us for a period of three months, however may be reactivated again just by starting your savings again and hitting milestones again.
We also reserve the right to change the terms for Credits if market conditions change. You can see the full terms and conditions here.