Athena Home Loans

This innovative fintech lender offers low rates for borrowers through its efficient digital platform.

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Athena Home Loans

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Athena is a fintech mortgage provider that use its technology to streamline the home loan process and deliver low rates to borrowers.

Skip ahead to the full table of products or read more about the lender.

Compare Athena Home Loans

Compare Athena home loan products below. "Go to site" will direct you to Athena's website for the product you selected. You can also find more information on each individual product by clicking "more info".

Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

Athena Variable Home Loan P&IHome≥ 40% Deposit

Athena Variable Home  Loan
  • App: $0
  • Ongoing: $0 p.a.
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.

Athena Variable Home Loan P&IInvestment≥ 40% Deposit

Athena Variable Home  Loan
  • App: $0
  • Ongoing: $0 p.a.
Investors with large 40% deposits or equity can get this low variable rate. A competitive option for investors looking to refinance.

Athena Variable Home Loan P&IHome≥ 30% Deposit

Athena Variable Home  Loan
  • App: $0
  • Ongoing: $0 p.a.
A low variable rate for owner occupiers with 30% deposits. No upfront or ongoing fees.

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Athena lender profile

  • Athena is an innovative online-only fintech backed by Macquarie Bank, Square Peg, Hostplus, Rice Warner, Apex Capital, Resimac Group and Airtree Ventures.
  • The company launched its first products in February 2019 and has an efficient digital platform and phone support.
  • Athena uses bank-level encryption to keep customer data safe.

A fintech lender, not a neobank

Athena is an Australian fintech company but it is not a neobank. New digital banks like Xinja, Up and Volt Bank offer similar high-tech finance solutions, but they are competing with traditional banks in areas such as savings accounts and payments. Athena is solely focused on mortgages.

Athena mortgage features

At the moment, Athena has a single product with different rates for owner occupier loans and investment loans.

Deposit sizeYou can borrow up to 80% with an Athena mortgage.
Rate matchUnlike many lenders, Athena promises that its lowest rate for new customers will always be the same for existing customers. In other words, you'll automatically have Athena's lowest rate for your mortgage type, every time.
RedrawAthena mortgages have fee-free redraw facilities.
Rate reductionsAs you repay your loan and your equity builds, Athena will gradually reduce your home loan rate. Borrowers with 60% loan-to-value ratios unlock the lowest interest rates.
Digital innovationAthena is a completely digital lender (with online and phone support). If you have all your details ready you can apply quickly online.

How do I apply for an Athena mortgage?

Clicking "Go to Site" on Athena's comparison table will start your application process and redirect you through to their website.


Each Athena product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia. You must be living in a capital or large regional city to get an Athena mortgage.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Athena you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

More guides on Finder

  • Athena Home Loan Review

    Get a competitive mortgage offer from Athena, a digital Australian lender. Compare rates for home owners and investors.

Home Loan Offers

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