Athena Fixed Rate Home Loan

You can borrow up to 80% of a property’s value through Athena Home Loans, a digital lender that offers fast loan approvals.

The Athena fixed rate home loan is a competitive mortgage for customers looking to get a good rate with convenient online service, whether as a new borrower or refinancer. It has rates for investors and home buyers.

No reviews yet. Write a review

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Review by

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification.

Expert review

The Athena fixed rate home loan is a basic fixed rate solution that caters to both owner-occupiers and investors.

Although the interest rates are competitive for a fixed rate loan, it doesn’t come with the option for an offset account or flexibility with making extra repayments. You can only make additional repayments towards your loan of 5% of the outstanding balance and you are unable to draw those funds back down.

However, another positive is that the loan continues Athena’s trend of not having any fees associated with it. In the end, the comparison rate is actually much lower than the initial interest rate.

Sections in the page below the product information

About this loan

What are the features and benefits of the Athena fixed rate home loan?

  • Loan purpose.The Athena fixed rate home loan is for investors and owner-occupiers.
  • Loan to value ratio. You can borrow up to 80% of your property's value.
  • Loan amount.With this loan, you can borrow up to $2,000,000, with a minimum loan size of $100,000.
  • No fees.This loan has no fees for applying or maintaining the loan, as well as for exiting, switching or settling the loan.

How to apply

To apply for this home loan or learn more about it, click the green button and follow the steps to connect with Athena Home Loans and start an application.

As a purely digital lender, Athena lets you apply directly on its website. You can start by going through the steps to check your borrowing power and eligibility.

Make sure you have the following relevant documents to complete your application:

  • 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).


When applying for the Athena fixed rate home loan, a borrower should generally meet the following criteria:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should be either pay-as-you-go (PAYG) in a full-time, part-time or fixed-term PAYG contract, or self-employed trading for more than 2 years.
  • Credit history. You need good credit history.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.


    Default Gravatar
    January 21, 2023

    I only have pension money. Can I apply for fixed interest loan.
    I read that your fixed interest rate was only about
    About 5% but after I filled out my information the rate suddenly went up to about 6%.. What is the correct rate?

      January 27, 2023

      Hi Rose,

      The comparison rate for Athena Home Loans is 5.37% but the actual interest rate is 6.09%. However, to qualify for Athena Home Loan, at least one applicant must be employed (PAYG).

      Kind regards,

Go to site