Superpowers for
the investor edge





Variable & Comparison^

Why choose Athena?

Customer Savings 60k

Fiercely fair value

Changing home loans for good is in our DNA and can save you money. So far we've saved thousands of Aussies a total of $704m** and counting.
Borrowing Amount

Get max borrowing power

Grab the investment you really want by maximising your borrowing power with Athena. We get you fully credit pre-approved in days, and you can make changes to your Straight Up or Power Up loan without being charged.
List of offset accounts

Offset and save

With Athena's offset accounts, you can stash your cash any way you want on our Power Up loan. The more money you put in your offset, the less interest you'll pay.
Split your loan

Optimise your loan structure

Split up to 10 loans against your property. Each split loan is customisable — choose fixed or variable, owner occupier or investment, P&I or IO and set different loan terms.
Athena's Loan Ranger team

Investor Experts who get you

Our Experts understand investors. Talk to them about unlocking equity, structuring your loans or maximising your borrowing power6. They're on-hand to help you win and are just an SMS or call away.

We find a loan for every home

We have loans for every borrower. From home owners and investors, to specialist loans for construction, self employed, bridging and even the trickier situations. Talk to us.

If we can't give you a loan, we'll find someone who can. We do the search, the paperwork and negotiations.
Athena Logo

Doing business for good

Balancing profit with people and purpose, Athena is a certified B-Corp. Proof we're committed to a better, fairer world. B-Corps are businesses that meet high standards of social and environmental performance, accountability, and transparency.
Athena Logo

The home loan wrecker

Since our launch in 2019 we've settled over $6.3 billion in loans for Aussies. Home loans are all we do, and we're obsessed with changing them for good. We continue to rewrite the rules, creating tools, products and policy that put the power back in our customers' hands.
Read more about Athenar

Our loans for Investors

Simple or sophisticated, stay great rates - we’ve got a loan for your property.

How do I...?

  • Investor friendly borrowing power

    Our extra friendly borrowing policy means investors can get the property they want, where they want, sooner.
  • Super fast, accurate pre-approval

    We get you bid ready in a flash. Your credit approved 90 day rate-locked pre-approval is done in days, not weeks.
  • The full Investor toolkit

    Couple your borrowing power with fast equity release, top-ups, split loans, multi-offsets, no fee options, cross-collateralisation and super sharp IO rates.

Prior to coming to Athena, my customer was told he’d have to wait three more months before he could borrow the amount he wanted. We were able to get the customer pre-approved in 2 days and a few days later, he purchased a property!


Eric, Athena Loan Expert


Calculate your numbers

We’ve slashed the time, paperwork and hassle. Get a quote fast and start owning!


Calculate your borrowing power and your repayments; check your eligibility. No credit checks here!

3 mins


Our online application is simple. Submit and we'll get you pre-approved in days not weeks.

15 mins


Once approved, review and return your docs. We’ll get you sorted and into your new home.

Get startedr

Real Investors.
Real wins.

Join the thousands of happy Athena customers and hear their stories on Trustpilot.

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Help when you need it

Talk to our dedicated Investor A-team about unlocking equity, structuring your loans or maximising your borrowing power6. They’re ready to help via rapid response SMS or live chat so you don’t need to wait on hold! If you’d prefer a phone convo, they’d love to talk.

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

Property Equity & Home Loan Structuring article

Property equity & home loan structuring

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

How to invest in property A starting guide article

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.

Property investor strategies, what's yours article

Property investor strategies, what's yours?

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


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.

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.