Digital home lender for owner occupiers and investors. Its Straight Up and Power Up loans carry no Athena fees and are priced at a reference rate less a discount that grows as the loan to value ratio falls; Tailored loans cover companies, trusts, self-employed and lower-deposit borrowers.
Athena Home Loans is a digital non-bank lender. It offers home loans.
What Athena offers in each category, with the features, eligibility and trade-offs we note. Where we captured a current rate from Athena’s own page in the last 60 days, it is shown with its comparison rate and a link to the source; for the other products, follow the link to Athena’s rate card.
*Comparison rates are calculated on the lender's own example: for home loans usually $150,000 over 25 years, for car and personal loans usually $30,000 over five years. WARNING: This 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.
Other lenders in our directory that offer home loans, starting with other digital-first lenders.
What Athena offers, the trade-offs, and who should look elsewhere.
Two of the sharpest non-Big-4 home loan options in Australia. The variable rate gap, offset positioning, credit policy fit, and which lender wins for prime owner-occupier files.
No. Athena is a non-bank lender: it is not on APRA’s register of authorised deposit-taking institutions (ADIs), the list of banks, building societies and credit unions licensed under the Banking Act 1959. Its Australian Credit Licence is 502611, held by Athena Mortgage Pty Ltd, and lending to consumers under a credit licence is regulated by ASIC under the National Consumer Credit Protection Act 2009.
Athena Mortgage Pty Ltd holds Australian Credit Licence 502611. You can check a licence on ASIC’s Professional Registers before you apply.