Home Loan Eligibility

Are we right for each other?

Check out our home loan eligibility criteria to see if they tick your boxes.

If our current criteria doesn’t match yours, we still want to get you a better deal because we want all Aussies to save money on their home loans. Check A home for every loan.

 

Athena Home Loans

LOAN-TO-VALUE RATIO (LVR)

Borrow up to 80% or less of your property's value.

EMPLOYMENT

PAYG including full-time, part-time and fixed-term PAYG contracts

Self employed applicants trading more than 2 years

POSTCODE RESTRICTIONS

Because we’re a digital lender, we only lend to Australia’s major population areas due to lower risks.

PROPERTY TYPES

We currently do not lend to:

Vacant land

Leasehold property (except ACT)

Display homes

Rural, commercial or industrial properties

Student accommodation

Transportable/mobile homes/kit homes

PROPERTY SIZE

Properties must be at least 50m² excluding balconies and car space.

The total land size that your property is on cannot be more than 6 hectares.

RESIDENCY

You must be an Australian/NZ citizen or permanent resident living in Australia.

CREDIT

You have a good credit history

LOAN SIZE

Borrow min $100,000 to max $2,500,000.

A home for every loan

If you don't tick every Athena box, our Home Loan Specialists will work with you to find an alternative.

Get a quote in 5 mins and see if you are eligible, or fill in our form and our home loan experts will be in touch.

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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.