We play fair.

^* Discussions with an Athena Investor Concierge does not constitute personalised financial advice; for comprehensive advice, consult a licensed financial advisor.

All applications are subject to eligibility and assessment. Government charges may apply.

¹ Automatic Rate Match. Applies to Athena's Straight Up and Power Up Home Loan products and excludes all others. A like-for-like loan means the product name (e.g., Straight Up) and LVR tier (e.g., ≤50%, 50-60%, 60-70%, or 70-80%) 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 (e.g., Owner, Investor), repayment type (e.g., P&I, IO), interest type (e.g., variable), borrower type, different features, or specific qualification criteria. However, none of these criteria will be designed to favour new customers over existing customers. If we ever offer new customers a lower rate on a like-for-like loan, anyone who’s on it will get the Automatic Rate Match.

² We don’t charge you any Athena fees for being a customer with our Straight Up and Power Up home loans, however government charges or break costs may apply when changes are made to your Fixed Loan.

†Athena interest rates comprise of a reference rate for each product purpose and repayment type less a LVR (loan to value) based discount. You can find our current reference rates and LVR discounts here. Interest rates may change at any time. The applicable interest rate will be the advertised rate on the day of settlement for new loans or the day of processing for variations to existing loans.

The standard rate for your product is the reference rate. It is a base rate in our systems that is associated with each different loan product and is the same for every customer on that product type. The interest rate you are charged is calculated by your LVR discount from your reference rate. 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. LVR is calculated using Loan Amount, which does not include redraw or offset funds and based off your property value from the approved property valuation at the time you originally applied for the loan.

The LVR discount AcceleRATES, is a percentage discount applied to your product's reference rate, in order to determine your final interest rate. Applies to Athena's Straight Up and Power Up Home Loan products and excludes all others. LVR discounts reward you for reducing your loan amount, and are not intended to vary as the property market changes over the life of the loan. We will not generally accept requests to revalue the mortgaged property over the life of the loan for the purpose of determining the security value unless the value of the mortgaged property has materially changed, such as a major renovation of the mortgaged property. Any revaluations will be at our full discretion and we will pass on the costs of any valuation that you request.

ᶺ 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 Fixed rate loans are based on a Straight Up revert rate. Comparison rates for variable interest only loans are based on an initial 5-year interest only period. Comparison rates for fixed Interest Only loans are based on an initial interest only period equal in length to the fixed 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.

^^ Subject to a credit assessment

** The interest savings calculation estimate is based on average savings of actual customers who have refinanced to Athena's Classic, Straight Up, and Power Up products since launch. It is a modelled estimate and does not predict actual future savings. Assumptions like interest rates and borrower behaviour may change over the loan's life, impacting the estimated savings. Fluctuations in interest rates are not considered. The current interest rate environment may differ from historical trends, affecting actual savings. Fees from the existing lender are not included. The estimate assumes the same loan terms and timely repayments. Individual situations vary, so seek professional advice before making financial decisions.

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.