Home loan eligibility

Loans that tick your boxes

We've got home loans for all types of borrowers. From home owners to sophisticated investors, from the straight-forward to the complex, we'll help you find a loan that ticks your boxes.

Getting started is super simple. Check your eligibility and see your loan options including rate and repayments in just minutes.

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Help when you need it

Our Aussie-based Loan Experts look at your situation holistically and are available to lend a hand if you need it.

They can help check your eligibility and review your mortgage options. If you're uncertain about anything, chat with our Loan Experts. They're experienced and love to talk home loans.

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Real life.
Real loans to suit.

Here are some examples of how Athena has helped find different customers the right home loan.

Saving Anita time and money

As a solo working mum, Anita had a lot going on. She needed a lender to communicate with her via email and text only and find ways to help her achieve her goals without taking much of her time.

Athena listened and did exactly that. We worked around her busy schedule and helped Anita refinance her home loan, saving her the most valuable thing - time.

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Structuring James’ loan for max returns

James had been working at a large company for over 2 years and wanted to purchase his first investment property. His financial advisor recommended he pick a home loan with an offset account to maximise his tax deductions.

Athena supported James with detailed property and suburbs reports and fast pre-approval so he could purchase the investment property he wanted. Now he’s set up on our Power Up loan with a fee-free offset which is perfect for his needs and investment goals.

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No delays for small business owner John

John started his own business just over a year ago. He wanted to buy a home but didn't have any completed tax returns.

Athena accepted two Quarterly BAS statements and an accountant's letter for income verification and was able to get John pre-approved quickly. He purchased his dream home much sooner than he expected saving him time, money and stress. Now he can focus on his business and owning his home faster.

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Consolidating Sam's debts

Sam was paying interest on six different debts, with six different interest rates. He was in arrears on some of these loans, and wanted to improve his cashflow.

Athena looked beyond his credit score and helped Sam refinance his home loan and consolidate his debts. He chose to start with a 40 year loan term to help lower his initial repayments. He can change this later when his financial situation improves. Sam is now saving a tonne of money and stress and on his way to paying down that loan sooner.

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Actual loan outcomes may vary. These case studies are indicative of real-life situations we've handled, but results are not guaranteed for all applicants due to individual circumstances.

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Real love.

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Our disclaimers

Please take a moment to read our disclaimers, thanks!

Athena's disclaimers

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

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.

^** The interest savings 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.

^~ Winner of Finder Home Loan Customer Satisfaction Awards 2023

¹ 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 fees are applicable to Tailored home loans.

² Athena Straight Up and Power Up interest rates comprise of a reference rate for each product purpose and repayment type less an LVR (loan to value) based discount. Athena Tailored interest rates are compromised of the final applicable rate only. You can find our current rates, reference rates and LVR discounts here. Interest rates may change at any time. Athena’s Straight Up and Power Up Home Loan products are able to access the AcceleRATES discount. The interest rate these products have applied is calculated by applying an LVR percentage discount onto the reference rate. If the LVR is exactly 60%, the loan would qualify for the ≤60% LVR tier. If the LVR is exactly 70%, the loan would qualify for the 60-70% LVR tier. LVR is calculated using Loan Amount, which does not include redraw or offset funds and is based off your property value from the approved property valuation at the time you originally applied for the loan. AcceleRATES rewards loan pay down and isn’t intended to vary with your property’s value. We will not generally accept revaluation requests except at our discretion and at cost to the borrower, where the property has materially changed, such as with a major renovation.

³ 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.

⁴ Calculated using the RBA 2024 Bank Fees Report, which found that Australians paid $811 million in 2023 on home loans (RBA January 2024), divided by the number of households with a mortgage (ABS Housing: Census 2021). Your situation may be different.

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Loans that tick your boxes