Straight-up great rates from

%

p.a.

OWNER P&I VAR

2.59

%

p.a.

COMPARISON RATE^

2.55

WE'LL GET YOU HOME

BUY

The loan that helps you own faster. 

REFINANCE

Switch and start saving.

FEATURES THAT FREE YOU

LOYALTY IS ROYALTY

We’ll reward you with a 0.01% discount on your rate for each of the first 5 years just for staying with us and making your repayments on time. That adds up to a massive 0.05% off your loan!

AUTOMATIC RATE MATCH

F*** FEES

If we tempt new customers with a sexy lower rate, we’ll pass it on to our existing customers who have an Athena like-for-like loan. It’s only fair and an Aussie first!

Why should you be charged for being a customer? Zero Athena fees.

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.

WE'RE BIG NEWS

^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. 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.


*A like-for-like loan means the product name (eg. Owner P&I VAR) and LVR tier (eg. Liberate, Evaporate, Celebrate) 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 (eg. Owner Occupier, Investor), repayment type (eg. P&I, IO), loan type (eg. Variable, Fixed), borrower type, different features or specific qualification criteria. None of these criteria will be designed to favour new customers over existing customers. If we ever tempt new customers with a lower rate for our like-for-like loan, anyone who’s on it will get the automatic rate-match. Sweet. It’s an Aussie first!


^^ Athena’s Standard Variable Rates are 2.49% OO P&I Var, 2.84% INV P&I Var, and 3.04% for OO and INV IO Var Products. Discounts are applied to P&I products based on Loan to Value Ratio (LVR), for ≤60% as 0.15%, 60-70% as 0.10% and 70-80% as 0.05%. IO products have a single discount across all tiers of 0.05%. These are available for new and existing customers. These are variable rates and discounts and they may change at any time. Note: If your LVR is exactly 60%, you would qualify for the ≤60% LR tier. If your LVR is exactly 70%, you would qualify for the 60-70% LVR tier.


1. Average interest savings estimated across all Athena customers who refinanced to Athena’s variable rate. We calculate the savings by comparing rates, any amount in redraw and offset between both loans and any fixed rate break fees (only where disclosed). All calculations assume the interest rate applies, and all repayments are made on time with no withdrawal of extra funds, for the life of the loan. We assume there are no ongoing fees charged on either loan, and both loans have identical terms remaining and repayment frequencies unless otherwise stated. Actual savings may differ from estimates. Information correct as at September, 2019.


2. Based on actual Athena customers who are ahead of their repayments and their redraw balance is above $0. Information correct as at September, 2019.


The Canstar 2020 Innovation Excellence Award was received in March, 2020 for the Automatic Rate Match product.


The Canstar 5-Star Rating for Outstanding Value Home Loans was awarded in March, 2020 for the Investment Variable Home Loan product.

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