Athena Home Loans

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

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Athena Home Loans

Athena is a new 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".

Rates last updated December 16th, 2019
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Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
Athena Variable Home Loan - Refinance (Owner Occupier, P&I)
2.84%
2.80%
$0
$0 p.a.
80%
Owner occupiers looking to refinance can get one of the lowest rates in the market with this variable rate mortgage. $0 application fee and $0 ongoing fees. Refinancers only.
Athena Variable Home Loan - Refinance (Investor, P&I)
3.24%
3.20%
$0
$0 p.a.
80%
Athena offers one of the lowest rates in the market for investors looking to refinance their mortgage. No ongoing fees and no application fee. Principal and interest repayments. Refinancers only.
Athena Variable Home Loan - Refinance (Owner Occupier, IO)
3.34%
2.99%
$0
$0 p.a.
80%
Owner occupiers can refinance to one of the most competitive interest-only rates in the market. No application fee and no ongoing fees. Refinancers only.
Athena Variable Home Loan - Refinance (Investor, IO)
3.34%
3.24%
$0
$0 p.a.
80%
Current property investors can switch to one of the most competitive interest-only investor rates in the market. No application or ongoing fees. Refinancers only.

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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 that's only for refinancers. However, the loan has rates for owner occupiers and investors, plus interest only options, making it a very versatile offering.

FeatureDetails
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.
Interest onlyThe Athena Variable Home Loan has interest only rates for investors and owner occupiers.
RedrawAthena mortgages have fee-free redraw facilities.
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.

Eligibility

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

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Home Loan Offers

Important Information*
Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Online only cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.

Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 2.84% p.a. and a 2.84% p.a. comparison rate.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)

Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.

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