Reduce your repayments now

⚡️ See how you can reduce your repayments now
⚡️ You could get $10K back in your pocket* with a 12 month IO loan

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Relief calculator mobile
Relief calculator mobile

Flex your cash flow to suit these situations

Even the best budgeters are finding adjusting to a higher rate tough

Give yourself some breathing space with a short term Interest Only loan. It’s the free switch that frees cash.

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Why-Refi-IO-Mobile

The 'life happens!' loan

For parental leave, changing jobs, or any other ‘life' reason, grab yourself some repayment relief with a short term Interest Only loan.

It’s free to switch back to Principal & Interest when you’re ready.

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Life-happens-MOBILE

The right loan for right now

Coming off a fixed rate? Higher rates and prices hurting? Life stuff getting in the way?

Take a look at a short term Interest Only loan. It’s some short and sweet relief.

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House-hold-budget-MOBILE

A quick win for investors

Maximise cash flow to with an Interest Only loan and pay less per month.

Crunch the numbers with your accountant to see if it’s the right move.

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Investor-MOBILE

Stay in control with relief that lasts

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Drop your own rate

The more you pay down, the more you save. We automatically lower your rate. Accelerate your freedom.

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Zero Athena fees

We don’t charge you fees. Keep more cash in your pocket and save with our $0 application, ongoing and transaction fees.

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Loyalty is Royalty

We always give existing and new customers the same awesome rates for like-for-like loans1 . It's our existing customer guarantee.

Excludes the Athena Access powered by PepperMoney product

Learn more about Interest Only

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Is an Interest Only home loan right for me?

Making your mortgage repayments as low as possible may seem like a no-brainer.

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Principal & Interest vs Interest Only

It’s all about paying it off or putting it off. What is a Principal & Interest home loan?

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How home loan interest rates work

Setting the record straight on home loan interest rates.

Meet our loan experts.

Our friendly local home loan experts are here to answer all your questions, 5 days a week.

Want to chat before you apply online?

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Investor-concierge-Mobile

Weekdays 9am-5pm AET

wCall   13 35 35

Join the thousands of Aussies taking control of their mortgage

You’ve got nothing to lose but your home loan!
Take 5 mins to see your loan options including rate and repayments.

Athena acknowledges the traditional owners of the land on which we gather the Gadigal people of the Eora nation. We acknowledge that sovereignty was never ceded and respect their continued and continuing connection to this place.