Ultimate$ Referral | Athena Home Loans

Benefits with friends

If you're an Athena customer, refer a mate and we'll pay you both a $1,000* bonus when their loan settles.

It's unlimited, so the more friends you refer, the more you can earn!

You'll be saving them a whole heap of cash, and they'll help pay off your loan faster. It's a win-win!

*Loans settling at $350k and above score $1,000 each. Below $350k? You'll both still get $250.

No mates? No worries!

Show yourself some love instead.

Score the referral bonus all to yourself by bringing another property over to Athena. Or if you left us because you sold your property or paid down your loan, refer yourself back!

Got more than one other property? Bring them all over and bag the full $2,000 for each one!

Loans settling at $350k and above score $2,000. Below $350k? You'll still get $500.

How to play

Spread the love.
Refer a mate

Tell your friends how good Athena is and share your code with them. They apply and include your code in their application form.

Show yourself some love. Refer yourself

Apply for another Athena loan, and include your code in the application form (there’s no limit to how many properties you can bring over!)

Once the loan settles,
it's payday!

We'll pop $1,000 into both of your Athena redraw or offset accounts. If you've referred yourself, you'll get the full $2,000.

Ultimate$ FAQ

How do I find my unique Ultimate$ code?

Find it in your Athena mobile app! We've also sent it through email and SMS.

Can’t find it? No worries! Send us an email or SMS and we’ll let you know.

If you’ve just settled your Athena home loan, we’ll email and SMS your code within 7 days from your settlement date.

Can I refer as many people as I want?

Yes, absolutely! If you are super popular (which you probably are), there are no limits on the number of customers you can refer to us.

We’ll pay you and your mate the bonus after they settle their first Athena loan – remember, the bonus is paid for the loan so joint borrowers will still get one bonus paid (sharesies!)

Can I refer myself?

Yes! You can use your Ultimate$ code to refer yourself. You might be an existing customer bringing an additional property to Athena or a previous customer who discharged your loan due to a property sale and is now coming back.

Topping up an existing loan or splitting your loan on the same property doesn't count. Don't forget, your code needs to be entered when you apply. You'll find it in your Athena app.

When referring yourself, the full $2,000 is all yours, nice one!

Check out the full T&Cs at the bottom of this page.

What's an eligible referral?

If you’re referring a mate, they need to be a new customer that hasn’t settled an Athena loan before. They must submit an application with your Ultimate$ code and go on to settle the loan.

If you’re referring yourself, you need to submit an application for a new loan with Athena – whether you’re refinancing from another lender or setting up a new loan for a property purchase – with your Ultimate$ code, and go on to settle the loan.

Topping up an existing loan or splitting your loan on the same property doesn’t count.

Check out the full T&Cs at the bottom of this page.

What’s not an eligible referral?

If you’re referring a mate, the referral wouldn’t be eligible if:

Your mate is not a new customer; either they’re currently a customer or have settled on an Athena loan before;
Your mate has already been referred by you or someone else, or has already submitted an application;
There are any discrepancies between the details of the mate you referred and the Athena customer that settled;
Your mate didn’t enter your Ultimate$ code in their application

If you’re referring yourself, the referral wouldn’t be eligible if:

You’re just changing or topping up an existing loan;
You’re splitting a loan for the same property;
You’re a previous Athena customer who refinanced to a different lender, and are now refinancing back to Athena;
Your application was submitted before 29 September 2022, when our Ultimate$ program was updated to include a Refer Yourself bonus;
You didn’t enter your Ultimate$ code in your application

Check out the full T&Cs at the bottom of this page

When do I get my Ultimate$ Referral bonus?

Your bonus will be paid directly into your Athena redraw or offset account within 30 days of the eligible loan's settlement date.

Once it’s there, it’s up to you what you do with it; transfer it or keep it in there and pay your loan down faster. For privacy reasons, we can’t disclose the status of your mate’s application but once they settle, we’ll get in touch!

I've run out of family and friends to refer. Can I refer a stranger?

Yes you can! The more the merrier! Here are some ways you can share your code:

Share your code on social media – add it to your IG bio or share it on FB!
Share your code on forums where you think people will be interested (just make sure you don't break any forum rules)
Tattoo on your forehead – no just kidding!

I've referred friends but I didn't get a bonus?

Most of the time this means your friend didn't submit their loan application with your unique code.

Unfortunately, we can only provide the bonus when new customers apply and settle with your unique Ultimate$ code.

I made an eligible referral but haven’t received my bonus.

Your bonus will be paid directly into your Athena redraw or offset account within 30 days of the eligible loan’s settlement date.

For privacy reasons, we can’t disclose the status of your mate’s application but once they settle, we’ll get in touch!

What if I leave Athena? Will my code still be valid?

Your Ultimate$ code will always be yours! You won’t be able to refer mates to Athena if you don’t have an open settled Athena loan.

But if you’ve closed a loan due to a property sale or paid down your loan and decide to come back to Athena, you can use your Ultimate$ code to refer yourself and score the full bonus! Who needs mates, eh?!

Check out the full T&Cs at the bottom of this page.

I’m a co-borrower on my current Athena loan but my next loan is only in my own name, is that eligible for the 'Refer Yourself' bonus?

Yes!

I’ve got another question

No problem!

Get in touch by email hello@athena.com.au, phone 13 35 35 or SMS 0429333555 and we’ll be happy to help.

Ultimate$ Referral Bonus

Please take a moment to read our disclaimers, thanks!

Terms and Conditions

Conditions for Referrers (Existing Athena Customers) You must have at least one open settled Athena home loan and hold a valid Ultimate$ code to participate in the Ultimate$ Referral program. As the Referrer, you are eligible for the bonus payment of $1000 if the person you refer (the Referee) both i) submits an Athena home loan application using your Ultimate$ code and ii) goes on to settle the loan and therefore becomes an Athena customer.

Conditions for Referees (Your Mate) The mate you are referring, the Referee, must be a new customer that has not settled an Athena home loan before. The Referee is eligible for the bonus payment of $1000 if they both i) submit an Athena home loan application using your Ultimate$ code and ii) go on to settle the loan and become an Athena customer.

Conditions for Referring Yourself You may act as both Referrer and Referee, subject to the terms outlined above, and use your Ultimate$ code to refer yourself to Athena. This includes existing Athena customers bringing an additional property/ies to Athena. It also includes customers discharging an Athena home loan due to a property sale or early payout and settling a new Athena home loan for a property purchase. It does not include making changes to or topping up an existing Athena home loan, splitting a loan on the same property or a returning customer who previously closed the Athena home loan due to refinance. You must include your Ultimate$ code in your Athena home loan application. When referring yourself you, as both Referrer and Referee, will be eligible for the bonus payment of $2000 if you both i) submit an Athena home loan application using your Ultimate$ code from 15 June 2026 and ii) go on to settle the loan.

The referral bonus is tiered based on settled loan amount. For loans settling at $350,000 and above, the bonus is $1,000 per eligible party (or $2,000 for a self-referral). For loans settling below $350,000, the bonus is $250 per eligible party (or $500 for a self-referral). Athena reserves the right to update bonus tiers at any time.

You must include your Ultimate$ code in your Athena home loan application before submission. You'll find it in your Athena app. Codes cannot be added retrospectively once an application has been submitted or is under assessment.

Payment of referral bonuses associated with Ultimate$ codes will only be paid on settlement of the Referee's (if referring a mate) or your (if referring yourself) Athena home loan and satisfaction of qualifying criteria as detailed above. Bonus will be paid into parties’ Redraw or Offset account(s) within 30 days of the applicable loan settlement date.

Athena reserves the right to amend, suspend or terminate the Ultimate$ Referral program or these conditions at any time without notice. We will honour any valid referrals sent to us before we do so. We will not honour any referrals that are deemed by us, in our absolute discretion, to be unreasonable, unlawful, at risk of requiring an Australian Credit Licence or for any other reason we believe are not in the spirit of the Athena Ultimate$ Referral program.

Ultimate$ Codes may be cancelled at any time after they are issued, at our sole discretion. All other Athena Terms & Conditions remain valid and binding on you and are not superseded by these Ultimate$ Referral Offer Terms.

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Benefits with friends