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BUYING AN INVESTMENT PROPERTY

Superpowers for
the investor edge

RATES FOR
INVESTORS FROM

6.34

%

P.A.

Variable & Comparison^

Calculate your savings

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Why choose Athena?

Customer Savings 60k

Fiercely fair value

Changing home loans for good is in our DNA and can save you money. So far we've saved thousands of Aussies a total of $704m** and counting.
Borrowing Amount

Get max borrowing power

Grab the investment you really want by maximising your borrowing power with Athena. We get you fully credit pre-approved in days, and you can make changes to your Straight Up or Power Up loan without being charged.
List of offset accounts

Offset and save

With Athena's offset accounts, you can stash your cash any way you want on our Power Up loan. The more money you put in your offset, the less interest you'll pay.
Split your loan

Optimise your loan structure

Split up to 10 loans against your property. Each split loan is customisable — choose fixed or variable, owner occupier or investment, P&I or IO and set different loan terms.
Athena's Loan Ranger team

Investor Experts who get you

Our Experts understand investors. Talk to them about unlocking equity, structuring your loans or maximising your borrowing power6. They're on-hand to help you win and are just an SMS or call away.
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We find a loan for every home

We have loans for every borrower. From home owners and investors, to specialist loans for construction, self employed, bridging and even the trickier situations. Talk to us.

If we can't give you a loan, we'll find someone who can. We do the search, the paperwork and negotiations.
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Doing business for good

Balancing profit with people and purpose, Athena is a certified B-Corp. Proof we're committed to a better, fairer world. B-Corps are businesses that meet high standards of social and environmental performance, accountability, and transparency.
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The home loan wrecker

Since our launch in 2019 we've settled over $6.3 billion in loans for Aussies. Home loans are all we do, and we're obsessed with changing them for good. We continue to rewrite the rules, creating tools, products and policy that put the power back in our customers' hands.
Read more about Athenar

Our loans for Investors

Simple or sophisticated, stay great rates - we’ve got a loan for your property.

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ATHENA'S MAX BORROWING SUPERPOWERS

  • Investor friendly borrowing power

    Our extra friendly borrowing policy means investors can get the property they want, where they want, sooner.

  • Super fast, accurate pre-approval

    We get you bid ready in a flash. Your credit approved 90 day rate-locked pre-approval is done in days, not weeks.

  • The full Investor toolkit

    Couple your borrowing power with fast equity release, top-ups, split loans, multi-offsets, no fee options, cross-collateralisation and super sharp IO rates.
backdrop

Prior to coming to Athena, my customer was told he’d have to wait three more months before he could borrow the amount he wanted. We were able to get the customer pre-approved in 2 days and a few days later, he purchased a property!

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Eric, Athena Loan Expert

TAKE THE NEXT STEP

Calculate your numbers

We’ve slashed the time, paperwork and hassle. Get a quote fast and start owning!
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Calculate

Calculate your borrowing power and your repayments; check your eligibility. No credit checks here!

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Our online application is simple. Submit and we'll get you pre-approved in days not weeks.

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Settle

Once approved, review and return your docs. We’ll get you sorted and into your new home.

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Real Investors.
Real wins.

Join the thousands of happy Athena customers and hear their stories on Trustpilot.

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LOCAL KNOWLEDGE

Help when you need it

Talk to our dedicated Investor A-team about unlocking equity, structuring your loans or maximising your borrowing power6. They’re ready to help via rapid response SMS or live chat so you don’t need to wait on hold! If you’d prefer a phone convo, they’d love to talk.

Want to learn more about getting ahead in the property market?

Property Equity & Home Loan Structuring article

Property equity & home loan structuring

How to unlock equity in your property and gain insights into home loan structuring to win.

Discover howr
How to invest in property A starting guide article

How to invest in property: A starting guide

We’ve put together insights, tips and tricks, so your first steps into real estate are supported.

Learn howr
Property investor strategies, what's yours article

Property investor strategies, what's yours?

See how creating a game plan and structuring your investment property loans can work for you.

See howr

FAQs

What will my repayments be with Athena?

If your loan needs are fairly straightforward, for example one property with a single loan - you can always calculate what your repayments would be here.

If you’re financing more than one property, are wanting to arrange split or multiple loans, or simply want to chat to an investor loan expert - book a call with our Investor Concierge anytime.

You'll be blown away at how much you'll save!

How much deposit will I need and how much can I borrow?

Deposit you'll need:

You generally need a 20% deposit to take out an Athena home loan. There may be times, depending on the property market, when you need more and we’ll always tell you that early on in the process. To see how much you need in the area you’re looking to buy in, get a quick quote in under 5 mins with no credit checks.

How much you can borrow:

The max amount you could borrow is determined by your financial situation which we assess to see if it meets our affordability requirements. We look at things like your income, your expenses, savings and credit history. We’ll also need to look at your spending habits and any existing commitments like credit cards, personal loans and car loans. As part of our responsible lending criteria, we also apply a few rainy-day scenarios such as interest rates rising, RBA cash rates going up or contingent income, like bonuses, not being paid.

Find out your personalised borrowing power here.

How do I cash-out from the equity I have from an existing property?

Sure, you can do this by putting through an application with us. As long as your new loan fits within our loan size and maximum LVR criteria.

Your starting point is to see what your borrowing power is here.

Can you have an offset account with an investment property?

Yes! Our Power Up variable loan includes a multi-offset with no fees – you can have up to 10 Cash Stashes attached to each loan, in addition to your main offset account. So, you can stash your money 11 ways to plan for any occasion.

Check out more detail on our multi-offset here.

Can I cross-collateralise my loan across multiple properties?

Not at the moment, though this will be coming soon - but using split loans you can very often achieve the same outcome of maximising your borrowing power and your tax-deductible investment loans.

For info about how to best structure your loans, you can book a call with our Investor Concierge anytime. And, unlike with other lenders, you can change structures with us and leverage equity with absolutely no fees.

What is positive and negative gearing?

Negative Gearing

Negative gearing is when the income derived from the property is less than the expenses incurred in running the investment. That can include the cost of your investor home loan, council rates and charges, insurance, real estate agent fees, and certain maintenance and upkeep costs. 

Investors can claim this net loss against their total taxable income at tax time. This reduces the taxable income by the amount of the loss and therefore reduces the tax payable, making it an attractive strategy for some.

Positive Gearing

Positive gearing is when earnings are higher than the amount spent on the investment, so there is a profit.

Read more about positive and negative gearing in this more in-depth article.

How long does the whole process take?

For pre-approval:

Pre-approval generally takes a week, provided we have received all required information.

For unconditional approval:

It depends on if we’ve got all the right information to make the assessment. On average it takes about 2 weeks from when you submit the application to unconditional approval.

Both approvals could take shorter or longer depending on your scenario, but we’ll always keep you in the loop.

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.

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.

⁵ $10k based on Athena's lowest Variable Interest Only rate as of 8 May 2023 against P&I $800k 30-year loan at 6.15%. Interest Only loans can free up cash when you need it but cost more over the life of the loan and may not be suitable for all borrowers, varying based on individual circumstances. Calculate your situation at https://www.athena.com.au/calculators/repayment-relief.

⁶ Discussions with our investor concierge team does not constitute personalised financial advice; for comprehensive advice, consult a licensed financial advisor.

## Compares existing and new variable interest rates (source: RBA December 23) on an aggregate variable mortgage outstanding balance of $2.25 trillion (source: RBA April 24) projected over 12 months. Assumes rates and loan balance don't change.

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.