Be certain
Nobody else can run your numbers as quickly and accurately as we do to give you an Instant Decision with more certainty.
In just less than 60 secs, our tech can check your numbers against 80+ factors so that we can give you a comprehensive conditional approval that’s more reliable than your typical one.
Savings
Every minute counts, the longer you spend with your current lender, the more interest you’ll be paying!
Speed
Fastest, most accurate and reliable conditional approval on the market- based on factors we’re assessing against.
- 60 seconds to get conditional approval
- We run the actual numbers against 80+ factors, on the spot!
- Full unconditional approval in 4-5 days*
*based on those that get approved in the FCA process (12 days on average)
Insights
Get certainty sooner with confidence and how to proceed next to get you unconditionally approved faster.
We use actual numbers that are collected and verified instantly so it’s more reliable than a typical pre-approval.
Unlike other lenders, we assess your application over 80+ factors, your assessment is personalised to your situation.
Tech
Athena’s custom in-house built tech allows us to check against more factors faster.
- Our pre-approval is super accurate because your numbers are verified instantly
- We’ve built a fully automated credit scorecard
- We’ve co-designed the experience with our customers
We assess against the following:
Factor | |
|---|---|
Your suitability | Eligibility for this Athena home loan, and how well it meets your needs |
Your property eligibility | The eligibility of your estimated loan to value ratio of your property, and where it is located |
Your finances | Your affordability and financial situation, including income, expenses, assets and debts |
You and your credit history | Your initial identity check and how your credit score and debt repayment history looks |
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.