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.

Instant decision certain desktop
Instant decision certain mobile
Instant decision certain mobile


Every minute counts, the longer you spend with your current lender, the more interest you’ll be paying!

Instant decision savings desktop
Instant decision savings mobile
Instant decision savings mobile


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)

Farewell home loan coin speeding off illustration desktop
Farewell home loan coin speeding off illustration mobile
Farewell home loan coin speeding off illustration mobile


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.

Instant decision insights desktop
Instant decision insights mobile
Instant decision insights mobile


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
Instant decision tech graphic desktop
Instant decision tech graphic mobile
Instant decision tech graphic mobile

We assess against the following:


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 thousands of Aussies taking control
of their mortgage

You’ve got nothing to lose but your home loan!
Take 3 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.