Where
investors win

⚡️ Super sharp investor rates
⚡️ Fast pre-approval that lasts 90 days
⚡️ Maximise your borrowing power^†
⚡️ Investor structuring
⚡️ Fee-free splits & multi-offsets

Book an Investor Concierge callr

Setting up your investment loan in the app

Get the edge you need with Athena

Whether you're a first time property investor or an experienced property guru, we've got the right loan for you.

Our loans

Call us 13 35 35

Our rates

Move with confidence

Investor friendly policies

✓ Fast approval that lasts 90 days
✓ Release equity quickly and free up cash
✓ Maximise your borrowing power, see yours in 5 mins^†
✓ Investor Concierge for expert application assistance¹

Pay less for your loan

Our plan is to help you achieve yours

✓ Great rates and no fees on our Straight Up & Power Up loans²
✓ No loyalty tax same rates on like-for-like loans¹
✓ Automatic Rate Match always get our best rate³
✓ AcceleRATES drops your rate as you pay down your loan⁴

Maximise your returns

Features to get the most out of your loan

✓ Free splits, structures and changes anytime
✓ Multi-offsets to manage tax & cashflow
✓ High rated app, manage your loans with ease
✓ Investor Concierge for personalised support

Property equity calculator

See your equity and learn how it can help you buy your next property.

⚡️ Calculate how much usable equity you could unlock
⚡️ Configure different home loan structure scenarios
⚡️ See your new loan repayments

Calculate your equityr

Equity calculator animated white background

Our investor loans ♛ ♜ ♞

All our award winning loans have super sharp rates and our Investor Concierge to help guide you through application and beyond.

Straight Up ↗

Rates from 6.09%^

No frills or fuss, just an awesome low variable rate with redraw.

No fees² ✅

Redraw ✅

Offset ❌

Multi-offset ❌

Split loans ❌

Investor Concierge ✅

Find out morer

Power Up ⚡

Rates from 6.24%^

Variable rate with offset & splits for extra flex & saving power.

No fees² ✅

Redraw ✅

Offset ✅

Multi-offset ✅

Split loans ✅

Investor Concierge ✅

More power pleaser

Interest Only %

Rates from 6.29%^
(6.17% comparison)

Lower your repayments and free up cash as a short term option.

No fees² ✅

Redraw ✅

Offset ✅

Multi-offset ✅

Split loans ✅

Investor Concierge ✅

Interested?r

Fixed ⇔

Rates from 6.09%^
(6.34% comparison)

Lock in more certainty with a fixed rate for 1, 2 or 3 years.

No fees² ✅ (excl. break costs)

Redraw⁵ ✅

Offset ❌

Multi-offset ❌

Split loans ✅

Investor Concierge ✅

Let us fix you upr

Straight Up and Power Up rates are variable & comparison^.

See your repayments

Get a quote in 5 minsr

Switching is as
easy as 1, 2, 3

One

Two

Three

Start with your property details and loan needs

✓ No credit checks yet
✓ See your savings
✓ See your monthly repayments
✓ Then start your application

Get a quote in under 5 mins

Meet your Investor Concierge team

Your property investment secret weapon, this Aussie-based A-team is here for you 5 days a week.¹

Talk to us about

→ Accessing usable equity for your next purchase
→ Refinancing your rental property loan
→ Seeing how much you could borrow
→ Loan structuring to maximise investor benefits including tax

Book a callw

Athena Team 1 Dec 2024 - Desktop optimised

Athena team 2 Dec 2024 - Mobile Optimised

Weekdays 9am-5pm AET

zEmailhello@athena.com.au

wCall 13 35 35

ySMS 0429 333 555

Want to learn more about getting ahead in the property market?

Property equity & home loan structuring

How to unlock equity in your property and gain insights into home loan structuring to win.

Discover howr

How to invest in property: A starting guide

We’ve put together insights, tips and tricks, so your first steps into real estate are supported.

Learn howr

Property investor strategies, what's yours?

See how creating a game plan and structuring your investment property loans can work for you.

See howr

Our investor mortgage rates

We have two variable home loan options for property investors - Straight Up and Power Up.
For a more structured budget for peace of mind, we also offer fixed interest rates.

Principal and Interest home loan rates

Straight Up

Power Up

Fixed

LVR Tier	Rate	Comparison Rate
0-50% Obliterate	6.09%	6.09%
50-60% Celebrate	6.14%	6.12%
60-70% Evaporate	6.19%	6.16%
70-80% Liberate	6.29%	6.22%

Investor | Interest Only

Straight Up

Power Up

Fixed

LVR Tier	Rate	Comparison Rate
0-50% Obliterate	6.29%	6.17%
50-60% Celebrate	6.29%	6.19%
60-70% Evaporate	6.34%	6.23%
70-80% Liberate	6.39%	6.29%

FAQs

You may be wondering...

What will my repayments be with Athena?

If your loan needs are fairly straightforward, for example one property with a single loan - you can always calculate what your repayments would be here.

If you’re financing more than one property, are wanting to arrange split or multiple loans, or simply want to chat to an investor loan expert - book a call with our Investor Concierge anytime.

You'll be blown away at how much you'll save!

How much deposit will I need and how much can I borrow?

Deposit you'll need:

You generally need a 20% deposit to take out an Athena home loan. There may be times, depending on the property market, when you need more and we’ll always tell you that early on in the process. To see how much you need in the area you’re looking to buy in, get a quick quote in under 5 mins with no credit checks.

How much you can borrow:

The max amount you could borrow is determined by your financial situation which we assess to see if it meets our affordability requirements. We look at things like your income, your expenses, savings and credit history. We’ll also need to look at your spending habits and any existing commitments like credit cards, personal loans and car loans. As part of our responsible lending criteria, we also apply a few rainy-day scenarios such as interest rates rising, RBA cash rates going up or contingent income, like bonuses, not being paid.

Find out your personalised borrowing power here.

How do I cash-out from the equity I have from an existing property?

Sure, you can do this by putting through an application with us. As long as your new loan fits within our loan size and maximum LVR criteria.

Your starting point is to see what your borrowing power is here.

Can you have an offset account with an investment property?

Yes! Our Power Up variable loan includes a multi-offset with no fees – you can have up to 10 Cash Stashes attached to each loan, in addition to your main offset account. So, you can stash your money 11 ways to plan for any occasion.

Check out more detail on our multi-offset here.

Can I cross-collateralise my loan across multiple properties?

Not at the moment, though this will be coming soon - but using split loans you can very often achieve the same outcome of maximising your borrowing power and your tax-deductible investment loans.

For info about how to best structure your loans, you can book a call with our Investor Concierge anytime. And, unlike with other lenders, you can change structures with us and leverage equity with absolutely no fees.

What is positive and negative gearing?

Negative Gearing

Negative gearing is when the income derived from the property is less than the expenses incurred in running the investment. That can include the cost of your investor home loan, council rates and charges, insurance, real estate agent fees, and certain maintenance and upkeep costs. 

Investors can claim this net loss against their total taxable income at tax time. This reduces the taxable income by the amount of the loss and therefore reduces the tax payable, making it an attractive strategy for some.

Positive Gearing

Positive gearing is when earnings are higher than the amount spent on the investment, so there is a profit.

Read more about positive and negative gearing in this more in-depth article.

How long does the whole process take?

For pre-approval:

Pre-approval generally takes a week, provided we have received all required information.

For unconditional approval:

It depends on if we’ve got all the right information to make the assessment. On average it takes about 2 weeks from when you submit the application to unconditional approval.

Both approvals could take shorter or longer depending on your scenario, but we’ll always keep you in the loop.

Our disclaimers

Please take a moment to read our disclaimers, thanks!

Athena's disclaimers

All applications are subject to eligibility and assessment. Government charges may apply.

ᶺ Comparison rate calculated on a $150,000 secured loan over a 25 year term. WARNING: Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for Fixed rate loans are based on a Straight Up revert rate. Comparison rates for variable interest only loans are based on an initial 5-year interest only period. Comparison rates for fixed Interest Only loans are based on an initial interest only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

^** The interest savings estimate is based on average savings of actual customers who have refinanced to Athena's Classic, Straight Up, and Power Up products since launch. It is a modelled estimate and does not predict actual future savings. Assumptions like interest rates and borrower behaviour may change over the loan's life, impacting the estimated savings. Fluctuations in interest rates are not considered. The current interest rate environment may differ from historical trends, affecting actual savings. Fees from the existing lender are not included. The estimate assumes the same loan terms and timely repayments. Individual situations vary, so seek professional advice before making financial decisions.

¹ We don’t charge you any Athena fees for being a customer with our Straight Up and Power Up home loans, however government charges or break costs may apply when changes are made to your Fixed Loan. Athena fees are applicable to Tailored home loans.

² Athena Straight Up and Power Up interest rates comprise of a reference rate for each product purpose and repayment type less an LVR (loan to value) based discount. Athena Tailored interest rates are compromised of the final applicable rate only. You can find our current rates, reference rates and LVR discounts here. Interest rates may change at any time. Athena’s Straight Up and Power Up Home Loan products are able to access the AcceleRATES discount. The interest rate these products have applied is calculated by applying an LVR percentage discount onto the reference rate. If the LVR is exactly 60%, the loan would qualify for the ≤60% LVR tier. If the LVR is exactly 70%, the loan would qualify for the 60-70% LVR tier. LVR is calculated using Loan Amount, which does not include redraw or offset funds and is based off your property value from the approved property valuation at the time you originally applied for the loan. AcceleRATES rewards loan pay down and isn’t intended to vary with your property’s value. We will not generally accept revaluation requests except at our discretion and at cost to the borrower, where the property has materially changed, such as with a major renovation.

³ Automatic Rate Match. Applies to Athena's Straight Up and Power Up Home Loan products and excludes all others. A like-for-like loan means the product name (e.g., Straight Up) and LVR tier (e.g., ≤50%, 50-60%, 60-70%, or 70-80%) advertised to new customers must be the same product name and the same LVR tier that you have as an existing customer. The way we construct and name products may include a combination of the loan’s purpose (e.g., Owner, Investor), repayment type (e.g., P&I, IO), interest type (e.g., variable), borrower type, different features, or specific qualification criteria. However, none of these criteria will be designed to favour new customers over existing customers. If we ever offer new customers a lower rate on a like-for-like loan, anyone who’s on it will get the Automatic Rate Match.

⁴ Calculated using the RBA 2024 Bank Fees Report, which found that Australians paid $811 million in 2023 on home loans (RBA January 2024), divided by the number of households with a mortgage (ABS Housing: Census 2021). Your situation may be different.

⁵ $10k based on Athena's lowest Variable Interest Only rate as of 8 May 2023 against P&I $800k 30-year loan at 6.15%. Interest Only loans can free up cash when you need it but cost more over the life of the loan and may not be suitable for all borrowers, varying based on individual circumstances. Calculate your situation at https://www.athena.com.au/calculators/repayment-relief.

⁶ Discussions with our investor concierge team does not constitute personalised financial advice; for comprehensive advice, consult a licensed financial advisor.

^## Compares existing and new variable interest rates (source: RBA December 23) on an aggregate variable mortgage outstanding balance of $2.25 trillion (source: RBA April 24) projected over 12 months. Assumes rates and loan balance don't change.

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