Does one of these sound like you?
Our Tailored loans offer a custom fit for modern borrowers. All the things other lenders find too tricky, we find exciting. Get in touch for your personalised rate and fees.
I'm self-employed
Busy running your business and haven’t had time to get your tax returns done? With our lite doc loans you don’t need full financials, just some basic income verification. So there’s no need to wait.
I don’t want to pay LMI
We can help you buy with a 15% deposit or refinance up to 85% of your property value. And even better, you won’t need to pay for Lenders Mortgage Insurance (LMI) – and you’ll still get a great rate!
My trust or company owns the home
Are you looking to buy or refinance an investment property using a non-trading company or trust? We’ve got you covered.
I need something else
From specialist loans for construction, bridging, unique properties and consolidating multiple or complex debts, we find loans for every borrower.
Real life.
Real loans to suit.
We love that borrowers come in all shapes and scenarios, and we make it easy to get a great home loan. Here’s how.
Lite Doc solution for self-employed borrowers
Running a business is hard, getting a great home loan shouldn’t be. We know you’ve been busy getting your business up and running, which doesn’t always leave time for admin and tax returns. We have flexible income verification options, like using a letter from your accountant. We call this “lite doc”.
When you have more ways to verify your income that satisfy what’s called “full doc” verification, we can look at transitioning you to another loan with an even sharper rate, no fees and other famous Athena features. All without having to refinance, so you save time and money!
Lower deposit solution: 80-85% No LMI
Saving a full 20% deposit isn’t easy. With our 80-85% No LMI product, we can get you a great home loan with a minimum 15% deposit, and help you save money in the process with no Lenders Mortgage Insurance (LMI), a competitive interest rate and minimal fees.
Once you’ve paid down your loan to 80% of the property’s value, we can look to transition you to another Athena loan with an even better rate, no fees and other famous Athena features. All without the hassle of refinancing!
Lending to companies and trusts
If you’re an investor wanting to buy a property through a non-trading company or trust, talk to us. Our investor-friendly policy works to maximise your borrowing power by considering future rental income, as well as income received outside of the trust.
All loans are subject to Athena’s eligibility and lending criteria. Rates and features may vary depending on your individual circumstances and documentation provided.
Let’s talk
Our Aussie-based Loan Experts are ready to help.
They’ll take some basic details and let you know how much you can borrow and your personalised rate.
FAQs
I’m self-employed. Which loan options do I have?
What is Lenders Mortgage Insurance (LMI)? Will I have to pay for it?
What are your Tailored rates and fees?
Will you run a credit check if I make an enquiry?