Est. future savings of real people who moved to our lower variable rates & used our hacks. Your scenario will be different. Learn more.






Variable rate




Comparison rate^

See how much you'd save by switching and how much you're being screwed!

Life's too short for
a long home loan

Locking borrowers into a life sentence and charging them for sneezing, banks giving 0% interest in treating customers like people. We know, we used to work for them. 

Athena is all about freeing you of the mortgage handcuffs, and seeing a future where you own your home, not your bank.

Are we right for each other?

You’re refinancing or purchasing an established property.

Borrow up to 80% of the value of your property.

At least one applicant is employed (PAYG) where you are employed by someone else.

You’re not self employed, however we can consider sole traders engaged for more than 2 years in the industries of Legal, Finance, IT or Medicine.

Your property is in a capital city or major population centre.

You’re an Australian/NZ citizen (living in Australia) or permanent resident.

You have good credit history.

Features that free you

All our loans come with the same great features

Loyalty Bonus

Score 0.01% discount for each of the first 5 years, just for making your repayments.

F*** Fees

We don’t charge you for being a customer.
No Athena fees.

Fee-free redraw

Make extra payments to reduce your loan balance to save interest

Some of our local home loan experts


"I love being able to show customers there's a new way to pay off their home loan and not be ripped off!"


"I love being able to take the time to understand our customers' financial situations and build a relationship with them."


"I like that we're not on the clock at Athena and have the time to be able to really get to know our customers."

Start saving a whole lotta time and money!

You've got nothing to lose except your home loan.

Frequently asked questions

So…who is Athena?

Athena… daughter of Zeus, patron of heroic endeavour, mother of wisdom and freedom, legendary loan warrior and Game-Changing Goddess of Good Stuff. She’s pretty awesome. Athena is here to transform home loans, removing the mortgage handcuffs, and arm home owners with what they need to save themselves. We’re talking serious savings in time, money and stress. Told you she was awesome.

Is Athena a bank?

We’re not a bank and act nothing like a bank. We specialise in home loans, and only home loans. We don’t do bank accounts, or credit cards, or other things banks try to sell you. We know how banks work, because we used to work for them. We’ve taken all the knowledge and removed all the bad stuff.

Is Athena a broker? Do you work with them?

Athena is not a broker either! We are a digital and direct lender – and the provider of credit. This means you aren’t handed off from a broker, to a loan originator or to someone else who services your loan. We manage the end to end experience and make sure what we promise upfront stays true right till you’ve paid off your loan. Also, we don’t use brokers to get business in the door, which is just another way that we keep our costs low, and pass the savings on to you.

How is Athena different?

Gee, where do we start! Our digital model saves us a lot of money, and we pass those savings onto our customers. We encourage, rather than penalise, people to pay their home loan off sooner. We reward you for staying with us. We have real, local people on the other end of the phone. We don’t charge you to join (we only pass on third party costs) or any on-going fees. And we can save you a significant amount of time, money and stress over the life of your loan. How do we do all that? We’re not a big bank.

Who is behind Athena?

We’re in good company. Some of our big investment backers include Macquarie Bank, Square Peg, Hostplus, Rice Warner, Apex Capital, RESIMAC Group and AirTree Ventures.

Where do you get your money from?

We’re providing industry super funds a way to access the Australian mortgage market directly and we’re the first in Australia to do it! Being a ‘non‑bank’ lender we also have access to funding at wholesale rates. Our strategic funding partner RESIMAC is underpinning our public launch.

Comparison rate information

^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 variable interest only loans are based on an initial 5 year interest only 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.