Frequently asked questions


You got questions, we got answers. If something is still on your mind, just give us a call on 13 35 35 or drop us a line at [email protected].

About Athena


Who is Athena?

Athena… daughter of Zeus, patron of heroic endeavor, mother of wisdom and freedom, legendary loan warrior and Game-Changing Goddess of Good Stuff. She’s pretty awesome. Athena is here to transform home loans, removing the mortgage handcuffs, and arm home owners with what they need to save themselves. We’re talking serious savings in time, money and stress. Told you she was awesome.

Are you a bank?

We’re not a bank and act nothing like a bank. We specialise in home loans, and only home loans. We don’t do bank accounts, or credit cards, or other things banks try to sell you. We know how banks work, because we used to work for them. We’ve taken all the knowledge and removed all the bad stuff.

How is Athena different?

Gee, where do we start! Our digital model saves us a lot of money, and we pass those savings onto our customers. We encourage, rather than penalise, people to pay their home loan off sooner. We reward you for staying with us. We have real, local people on the other end of the phone. We don’t charge you to join or any on-going fees. And we save you a significant amount of time, money and stress over the life of your loan. How do we do all that? We’re not a big bank.

Can I trust you?

There’s good reasons why you can trust us. One, we are well funded by the might of Macquarie Bank, Square Peg, Hostplus, Rice Warner, Apex Capital, Resimac Group and Airtree Ventures. Two, we’re led by a trusted executive team who all have a track record of delivering successful and innovative customer solutions. And three, we use bank level security and encryption across our digital platform, so you get all the online benefits without the dangers. We also have our Australian Credit License (502611 if you need to know), so it means we’re governed by ASIC and legally bound to follow their compliance rules.

How is Athena offering a better rate?

By bypassing the banks and their big built-in costs, we’ve flipped home loans on their head. Being an innovative digital platform creates all kinds of efficiencies with technology and we want to pass those significant savings onto you in the form of the lowest interest rate we possibly can. More importantly, we benefit from large Australian superannuation funds investing directly in Athena home loans.

Who is behind Athena?

We’re in good company. Some of our big investment backers include Macquarie Bank, Square Peg, Hostplus, Rice Warner, Apex Capital, Resimac Group and Airtree Ventures.

Other important stuff


What are your interest rates based on?

Just as it is for other lenders, there are things that can change the cost of us providing funds to borrowers, such as the RBA cash rate, or additional costs that relate to borrowing between financial institutions. That said, we’ve built our entire platform on being more efficient than anyone else and have a greater desire to pass those benefits onto you. Let’s be honest, we’re the new girl up against the big guys, and we’re only going to succeed by offering a better deal and building greater trust. So we’re not going to sting you unnecessarily. No-one likes surprises when it comes to interest rates. Especially us. If we do change your rate, you can be sure we'll be honest, transparent and give you plenty of warning. And remember, rate changes are not always up, and we want to pass any savings on to you.

Is my information secure?

No need to worry, we use bank level security and encryption across our digital platform, so you get all the online benefits without the dangers.

What products will you be offering?

We’re starting out with refinance home loans first and new purchase home loans will be coming soon in 2019.

When will you be officially launching?

Early 2019. Get ready to save yourself.

Can I talk to someone in person?

Hell yes. A home loan is a big decision and you need to talk this stuff through. Speak to a real local person during business hours on 13 35 35. Or send us an email for a convenient time and number to call you: [email protected].

How can I contact you?

You just need to call us on 13 35 35 or email [email protected] and we’ll be happy to help.

What career opportunities do you have?

We're always on the hunt for great talent right across the business. We're creating a home lending experience that’s different, built around the customer. If that excites you, we’d love to hear more. Check out our open roles here. If you don't see one but still want to chat with us about opportunities, email us on [email protected]

About the Pilot program


How does the Pilot program work?

Register your interest and one of our loan experts will be in touch. The application process is very simple, and once we’ve crunched the numbers we should be ready to roll and get you saving money. And all you have to do in return is write a short review. Register now

How can I participate?

To apply for the pilot program, you need to tick a few boxes:

  • You are looking to refinance your property.
  • You have 20% equity in your property (<80% loan to value ratio).
  • The primary applicant is PAYG employed and not self employed.
  • Your property is in a capital city or large metropolitan area.

If this doesn’t work for you now, hang tight for our official launch early next year.