Zero. Zilch. Nada.

Athena charges zero home loan fees on our Straight Up and Power Up loans. Because we want you to pay it down faster.

Compare this to your standard home loan where, on average, borrowers pay $250 a year in fees. Over a 25-year loan, this can add up to nearly $6,250 in fees⁴.

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No fees charged zero with dollar sign illustration mobile

Application fees

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No fees charged zero with dollar sign illustration mobile

Monthly fees

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No fees charged zero with dollar sign illustration mobile

Annual fees

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No fees charged zero with dollar sign illustration mobile

Redraw fees

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No fees charged zero with dollar sign illustration mobile

Offset fees

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No fees charged zero with dollar sign illustration mobile

Discharge fees

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No fees charged zero with dollar sign illustration mobile

Valuation costs

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No fees charged zero with dollar sign illustration mobile

Settlement costs

A heads up on other costs

Third party charges that may pop up when applying for a home loan.

Refinancing costs

Government refinance costs

These include title registration, discharge of mortgage and title search fees and vary by state in the range of $260 - $440.


Your current lender

You may want to check with your current lender if there are any discharge fees or other costs associated with leaving them.

Buying costs

Government charges

This includes transfer (stamp) duty and government charges. We'll provide you an estimate when you go through our Quick Quote tool, however you should refer to your Revenue Office for your State or Territory for further information as these costs can be significant.


Other buying costs to consider

You may need to consider conveyancing or solicitor costs, building inspections or reports. Generally, set aside about $2,000 - $2,500 for these

Break costs

We don't charge fees on our Straight Up and Power Up loans. But there is a cost to us that we may pass on if a fixed loan is broken. That’s because we borrow money and enter a financial contract on your behalf for a fixed rate period. If that loan is repaid early, changed or ended before the end of the fixed rate period, we may incur break costs. The factors which influence the break costs are the movement of the interest rates, the amount of time left on the loan and the size of the loan amount.

See more on hidden fees

Scorpion loans

Five ways your mortgage can sting you

Here are the worst stings to look out for when you’re shopping for a home loan to make sure you don’t get stung!

Hidden tax

Avoid the hidden tax costing Aussies billions

Ever noticed that new customers get better rates than you? It’s called the “loyalty tax” and it’s a big deal.

Loyalty penalty

‘Loyalty Penalty’ is costing Aussies $2b per year

Our study reveals the scale of the problem and how unfair Aussie homeowners feel the practice is.

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.