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Details and docs you'll need to apply

Applications usually suck. But we’ve simplified it as much as possible and if you have these details and documents ready before you start you’ll be winning.

WHERE YOU'RE UP TO

WHAT YOU'LL NEED

TO SUBMIT YOUR APPLICATION

All you’ll need are details.

No documents just yet!

Have these details ready:

One ID – Driver’s licence, Australian Passport or Medicare card.

Income and employment details.

Assets and liabilities.

Fixed and living expense details

Give us a breakdown of what you spend every month on things like utility bills, household costs and also any spending that changes like dining out or clothes shopping.

AFTER SUBMITTING

This is where it gets serious and you’ll need to provide some documents.

We’ll be checking these docs against what you’ve told us in the application.

Have these documents ready:

Employment income

Employment income - 2 most recent consecutive payslips.

Other income

Any new or existing rental income you have or expect to receive.

Any income you receive through investments, term deposits, or superannuation.

Any income you receive through child support, Centrelink, or other government payments.

YOU’RE REFINANCING

Current home loan (The one you’re going to refinance with Athena)

The most recent statement (covering at least a 4 month period) for the home loan(s) being refinanced.

Other home loans (not with Athena)

If you have home loans with other lenders, besides the one you are refinancing, you will be asked to provide the most recent loan statement showing loan limit, interest rate, and remaining term of loan.

YOU’RE PURCHASING

Contract of Sale

If you’ve already bought, you’ll need to provide this for the specific property you want to take out a loan for with Athena.

Providing your documents

STATEMENTS AND DOCUMENTS

 

Upload these as PDF’s in Home Hub

Make sure it’s not older than 30 days and you’ve got these details on it: (where applicable)

Bank Statements: Bank logo, your full name, account number, BSB, full transaction history

Payslips: Your full name, your employers details, employers ABN

FAST TRACK YOUR APPLICATION

 

With Secure Bank Connect

Fast track your application with Proviso (bankStatements.com.au). It’s the fastest and most secure way to retrieve account statements.

1-time statements for 1 set of eyes

Highest bank-grade encryption

Your login details are never seen or stored

FOR ID VERIFICATION

 

We cover the costs

It’s super simple, all free. There are 3 ways to do this:

Digital biometric verification - Do it anywhere, anytime to suit you. Safe and secure using advanced tech by our ID verification partner OCR Labs.

ZIP ID - Book a time that suits and they’ll come to you. It takes 5 min and it’s free (we’ll cover the costs); OR

Rock up to any Australia Post. We’ll cover the costs. Check it out.

Join thousands of Aussies taking control
of their mortgage

You’ve got nothing to lose but your home loan!
Take 3 mins to see your loan options including rate and repayments.

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Our disclaimers
Please take a moment to read our disclaimers, thanks!
Athena's disclaimers

All applications are subject to eligibility and assessment. Government charges may apply.

ᶺ Comparison rate calculated on a $150,000 secured loan over a 25 year term. WARNING: Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for Fixed rate loans are based on a Straight Up revert rate. Comparison rates for variable interest only loans are based on an initial 5-year interest only period. Comparison rates for fixed Interest Only loans are based on an initial interest only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

** The interest savings estimate is based on average savings of actual customers who have refinanced to Athena's Classic, Straight Up, and Power Up products since launch. It is a modelled estimate and does not predict actual future savings. Assumptions like interest rates and borrower behaviour may change over the loan's life, impacting the estimated savings. Fluctuations in interest rates are not considered. The current interest rate environment may differ from historical trends, affecting actual savings. Fees from the existing lender are not included. The estimate assumes the same loan terms and timely repayments. Individual situations vary, so seek professional advice before making financial decisions.

~ Winner of Finder Home Loan Customer Satisfaction Awards 2023

¹ We don’t charge you any Athena fees for being a customer with our Straight Up and Power Up home loans, however government charges or break costs may apply when changes are made to your Fixed Loan. Athena fees are applicable to Tailored home loans.

² Athena Straight Up and Power Up interest rates comprise of a reference rate for each product purpose and repayment type less an LVR (loan to value) based discount. Athena Tailored interest rates are compromised of the final applicable rate only. You can find our current rates, reference rates and LVR discounts here. Interest rates may change at any time. Athena’s Straight Up and Power Up Home Loan products are able to access the AcceleRATES discount. The interest rate these products have applied is calculated by applying an LVR percentage discount onto the reference rate. If the LVR is exactly 60%, the loan would qualify for the ≤60% LVR tier. If the LVR is exactly 70%, the loan would qualify for the 60-70% LVR tier. LVR is calculated using Loan Amount, which does not include redraw or offset funds and is based off your property value from the approved property valuation at the time you originally applied for the loan. AcceleRATES rewards loan pay down and isn’t intended to vary with your property’s value. We will not generally accept revaluation requests except at our discretion and at cost to the borrower, where the property has materially changed, such as with a major renovation.

³ Automatic Rate Match. Applies to Athena's Straight Up and Power Up Home Loan products and excludes all others. A like-for-like loan means the product name (e.g., Straight Up) and LVR tier (e.g., ≤50%, 50-60%, 60-70%, or 70-80%) advertised to new customers must be the same product name and the same LVR tier that you have as an existing customer. The way we construct and name products may include a combination of the loan’s purpose (e.g., Owner, Investor), repayment type (e.g., P&I, IO), interest type (e.g., variable), borrower type, different features, or specific qualification criteria. However, none of these criteria will be designed to favour new customers over existing customers. If we ever offer new customers a lower rate on a like-for-like loan, anyone who’s on it will get the Automatic Rate Match.

⁴ Calculated using the RBA 2024 Bank Fees Report, which found that Australians paid $811 million in 2023 on home loans (RBA January 2024), divided by the number of households with a mortgage (ABS Housing: Census 2021). Your situation may be different.

Athena acknowledges the traditional owners of the land on which we gather the Gadigal people of the Eora nation. We acknowledge that sovereignty was never ceded and respect their continued and continuing connection to this place.