Your Finance GuideAustralian finance education
Digital-first

Athena Home Loans

Digital-first non-bank backed by major super funds. Refinance specialist; "no upfront, ongoing or discharge fees" pitch and active loyalty pricing.

SydneyFounded 2017ACL/Banking Licence 522400

Strengths

  • No upfront, ongoing or discharge fees
  • Active loyalty pricing (rate drops as you pay down)
  • Digital-first refinance specialist
  • Backed by Australian super funds

Watch out for

  • Owner-occupier focus
  • Smaller product range than majors

Athena products

Editorial reference covering the product range Athena offers and the structural strengths and trade-offs we observe in the market. For the current headline rate and comparison rate, click through to Athena\'s own rate card; the live number sits with them.

Home loans

Variable
AcceleRATE Refinance Variable
  • No fees
  • Loyalty pricing as you pay down
  • 100% offset
  • Free extra repayments and redraw
Sharp digital-first refinance variable, no fees
View current rate at Athena

Other digital-firsts

Same lender category; compare side by side.

WARNING: This comparison rate is true only for the example 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 are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.

Free · No obligation · One match

Get a quote across the broker panel

The Athena Home Loans rates above are publisher reference. The right product for your situation depends on income, deposit, credit profile, security and serviceability, and that comparison is what a broker does.

★★★★★4.9 across 320+ reviewsAustralian Credit Licence 505575Independent. Education first.