Join our customers who are saving on average $56,000 over their life of the loan.  

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NEW SEXY LOW RATES

New record low rates means more savings for you. 

We’ve dropped our rates so that you can pay down your loan down even faster.  

FEE FREE

Zero Athena Fees. No application fees, no ongoing fees, no redraw fees, no exit fees. 

DROP YOUR OWN RATE

With Athena AcceleRATES, the more you pay down your loan, the more we’ll lower your rate. Automatically. 

LOW RATES WITHOUT FIXING

You don’t need to lock yourself into a fixed rate with an expiry date and high reversion rates. Our rates start great and stay great.

AUTOMATIC RATE MATCH

Existing customers score the same sexy new customer rates on our like-for-like loans. 

COMPARE US TO THE REST

F**K FEES! Because why should you be charged for being a customer?

Don’t you wish you were already with Athena? 

Existing customers, you don’t need to do a thing! Sit back and enjoy that shiny little rate because we’ve already automatically dropped your rate. That’s our Automatic Rate Match promise to you.  


You should have received an email and SMS with your shiny new rate and how to pay down your loan even faster by keeping your repayments the same.

$267,120,000.

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We’re on the way to saving customers

Got questions?

Text our local home loan experts on 0429 333 55 or call them on 13 35 35

Disclaimers  

* Based on the average fees charged by the top 12 lenders as measured by APRA’s Monthly Authorised Deposit-taking Institution Statistics publication (January 2021). Information is sourced directly from lender websites and reflects the average fee charged for a Variable Owner Occupied Principal & Interest Basic home loan. 

1 Average and total 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 March, 2021. 

2 Using a combination of the highest fees charged by category for basic home loans across the top 12 lenders as measured by APRA’s Monthly Authorised Deposit-taking Institution Statistics publication (January 2021). Information is sourced directly from lender websites.  

3 Using a combination of the highest fees charged by category for packaged home loans across the top 12 lenders as measured by APRA’s Monthly Authorised Deposit-taking Institution Statistics publication (January 2021). Information is sourced directly from lender websites.  

^ 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. Government charges apply. 

Athena’s Standard Variable Rates are 2.34% OO P&I Var, 2.69% INV P&I Var, and 2.89% for OO and INV IO Var Products. Discounts are applied to P&I products based on Loan to Value Ratio (LVR), for OO ≤60% as 0.35%, 60-70% as 0.25% and 70-80% as 0.15% and for INV ≤60% as 0.30%, 60-70% as 0.20% and 70-80% as 0.10%. IO products have a single discount across all tiers of 0.05% for OO and 0.20% for INV. 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% LVR tier. If your LVR is exactly 70%, you would qualify for the 60-70% LVR tier.