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RATES FROM

Owner Occupied

6.24%

Variable & Comparison^

Investor

6.34%

Variable & Comparison^

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Stop wasting time comparing rates & negotiating a better deal

Straight up great value. No hidden fees, no loyalty tax, & no waiting with our fast pre-approval.

Extra Repayments Features Tile 600x300 optimised

Lowest rate

Get our lowest rates with all the Athenamazing features to help you pay down your home loan faster.

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Drop your own rate

We automatically lower your rate the more you pay down your home loan with AcceleRATES. It's an Aussie first.

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Zero fees

Zero. None. Zilch. No valuation, exit or monthly fees for Straight Up. None whatsoever.

No Loyalty Tax Features Tile 600x300 optimised

No loyalty tax

Automatic Rate Match means existing & new customers score the same sexy rates on like-for-like loans¹. Another Aussie first!

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Your Appy place

The Athena App puts all your home loan goodness at your fingertips.

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Fee-free redraw

The more money you put in your redraw, the less interest you'll pay.

Our ultimate home loans 🏡 🏠 🏘

All our award-winning loans have super sharp rates and Aussie based home loan experts to help guide you through application and beyond.

Straight Up ↗

Rates from 6.24%^

No frills or fuss, just an awesome low variable rate with redraw.

✅ No fees²


✅ Redraw


❌ Offset


❌ Multi-offset


❌ Split loans


✅ Aussie loan experts

Find out morer

Power Up ⚡

Rates from 6.39%^

Variable rate with offset & splits for extra flex & saving power.

✅ No fees²


✅ Redraw


✅ Offset


✅ Multi-offset


✅ Split loans


✅ Aussie loan experts

More power pleaser

Interest Only %

Rates from 6.49%
(6.35%^ comparison)

Lower your repayments and free up cash as a short term option.

✅ No fees²


✅ Redraw


✅ Offset


✅ Multi-offset


✅ Split loans


✅ Aussie loan experts

Interested?r

Fixed ⇔

Rates from 6.54%
(6.22%^ comparison)

Lock in more certainty with a fixed rate for 1, 2 or 3 years.

✅ No fees² (excl. break costs)


❌ Redraw⁵


❌ Offset


❌ Multi-offset


✅ Split loans


✅ Aussie loan experts

Let us fix you upr

Straight Up and Power Up rates are variable & comparison^.

Our Straight Up rates

Owner Occupied
Investor
Principal & Interest
Interest Only
LVR TierRateComparison Rate

0-50%

Obliterate

6.24%6.24%

50-60%

Celebrate

6.29%6.27%

60-70%

Evaporate

6.34%6.31%

70-80%

Liberate

6.39%6.35%

Looking for more?

Flex it, split it, offset it with Power Up. You get all the good stuff from Straight Up with a bigger boost of features

Power Upr
Power Up your loan copy with lightning bolt illustration desktop
Power Up your loan copy with lightning bolt illustration mobile
Power Up your loan copy with lightning bolt illustration mobile

FAQs

What’s the difference between a Straight Up and Power Up home loan?

Straight Up gives you our lowest rate without the frills. It’s a simple home loan with a great, low rate, and easy to set up and go. We've kept all the Athena good stuff like our Automatic Rate Match, AcceleRATES and no fees to help you pay down your home loan faster.

Power Up boosts all the same goodness with extra features, flex and saving power like split loans and fee-free offset.

Can I switch between Straight Up and Power Up?

Yes, you can switch between the two at any time. Just give us a call and we’ll sort it out for you.

Remember, Power Up has extra features like offset and split so double check you don’t need those features anymore if you’re switching to Straight Up.

Is there a fee to switch between Straight Up and Power Up?

Absolutely not – we won't charge you a fee for switching between Straight Up and Power Up.

How do I apply for a loan with multiple properties? 

Simply get started here. Enter the address of any properties you wish to have on the loan and select that you have multiple properties. After you’ve submitted your application, one of our Investor Experts will help you add the additional properties to your loan application. If you prefer to chat before you start an application, book a call with our experienced Investor Experts here.

Can I add or change the properties on my cross-collateralised loan? 

Yes, you absolutely can! You can substitute properties if you sell one and purchase another, or partially discharge your loan if you sell one of your security properties. Any increases to your LVR will require a credit assessment prior to processing the changes to your loan.

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.