Athena is an Australian fintech lender. This means it offers home loans online. Check out the full table of Athena products below or read more about the lender and its loans.
Hit the "Load more" button to compare a bigger selection of products and hit the green button to go to Athena's website to start an enquiry or learn more about the loan.
Review by our senior home loans writer Richard Whitten
Here are the key features and details you need to know about Athena's mortgage products.
| Feature | Details |
|---|---|
| Minimum deposit | Athena loans have 80% maximum LVRs. This means you can borrow up to 80% with an Athena mortgage. There are no loans for borrowers with low deposits (that is, deposits below 20%). |
| Offset account | Athena loans allow you up to 10 offset accounts on eligible loans to save on the interest you're paying. |
| Repayment options | Athena's home loans allow you to make interest-only repayments or principal-and-interest repayments. |
| Rate match | Athena promises that its existing customers will always get its best deal on their loan. In other words, if the lender cuts rates to entice new borrowers, it puts existing customers on that rate too. Most lenders keep their existing customers on a higher rate. |
| Flexibility | Borrowers can change their loan type, repayment frequency or top up their loan whenever they need, without paying a fee. |
| Drop your own rate | Athena automatically lowers your interest rate the more you pay down the loan with its AcceleRATES feature. |
When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.
Each Athena product has specific eligibility criteria but some will apply to all products. For example:
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:
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, 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).
If you want to compare loans from similar lenders to Athena then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:
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