Refinance now to keep more in your pocket
✓ Apply and get a decision in minutes
✓ Discount your own rate as you pay down your loan
✓ Switch to the #1 digital home loan lender
Switch to a lender
who gives a buck about you
Check out our home loans with award-winning features that free you.
You’ve got nothing to lose except your mortgage!
Pay less for your loan
Great rates that stay great
Our award-winning loans have great rates and no fees on Straight Up and Power Up variable loans².
Discount your own rate
Your home loan rate is automatically discounted as you pay down your loan with our Aussie-first AcceleRATES†.
Save for your future
Join thousands of Aussies who could be saving an estimated average $60K over the life of their loans. See how we worked it out**.
You’re in control from Day One to None
We don’t charge you for making changes
Make changes to your loan fee-free as your financial goals or situation changes.
Flex your repayment options
Pay via direct debit, from your redraw or offset or via salary crediting. Choose a frequency that suits you – monthly, fortnightly or weekly.
Power Up your loan
Need more features like multi-offsets and split loans? Upgrade to Power Up loan anytime to supercharge your financial journey.
Unlock equity
Free up money
Access equity in your home quickly and put the extra $$$ towards renos or investments with a refinanced home loan.
Features for freedom
Our Power Up variable loan gives you offsets and splits to supercharge your home loan.
See your equity
Our equity calculator will show you how much usable equity you could access.
We'll treat you right
Loyalty is royalty
We put existing customers first. Our Automatic Rate Match gives existing customers the same rates as new customers on like-for-like loans¹.
Aussie-based support
Our Loan Experts are here to help you 5 days a week.
Manage your loan with the Athena App
Your home loan, literally in your hands. We’ve got all the basics covered plus more with our highly-rated app.
Our ultimate home loans 🏡 🏠 🏘
All our award-winning loans have super sharp rates and Aussie based home loan experts to help guide you through application and beyond.
Rates from 6.24%^
No frills or fuss, just an awesome low variable rate with redraw.
✅ No fees²
✅ Redraw
❌ Offset
❌ Multi-offset
❌ Split loans
✅ Aussie loan experts
Power Up ⚡
Rates from 6.39%^
Variable rate with offset & splits for extra flex & saving power.
✅ No fees²
✅ Redraw
✅ Offset
✅ Multi-offset
✅ Split loans
✅ Aussie loan experts
Rates from 6.49%
(6.35%^ comparison)
Lower your repayments and free up cash as a short term option.
✅ No fees²
✅ Redraw
✅ Offset
✅ Multi-offset
✅ Split loans
✅ Aussie loan experts
Straight Up and Power Up rates are variable & comparison^.
Refinancing with Athena is easy
Get a quote in under 5 minutes. No credit checks yet. We only ask for your property and current home loan details.
Meet our Loan Experts
Our friendly local home loan experts are here to answer all your questions, 5 days a week.
Talk to us about
→ Rolling off a fixed rate
→ Unlocking equity to achieve your goals like a reno or investment property purchase
→ Refinancing to consolidate debt
→ Lowering your repayments with an Interest Only rate
Check out our Refi reading list

Principal & Interest vs Interest Only
It’s all about paying it off or putting it off. What is a Principal & Interest home loan?

Hacks to pay off your home loan faster
We'll help you pay down your home loan faster with our simple shortcuts.

Do you pay less interest if you pay weekly?
Shave thousands and years off your loan by understanding repayment calculations.
Our mortgage rates for refinancers
We have two variable home loan options for refinancing your property - Straight Up and Power Up.
If you're after stability for peace of mind, we also offer fixed interest rates.
Our Straight Up rates
LVR Tier | Rate | Comparison Rate |
---|---|---|
0-50% Obliterate | 6.24% | 6.24% |
50-60% Celebrate | 6.29% | 6.27% |
60-70% Evaporate | 6.34% | 6.31% |
70-80% Liberate | 6.39% | 6.35% |
Our Power Up mortgage rates
LVR Tier | Rate | Comparison Rate |
---|---|---|
0-50% Obliterate | 6.39% | 6.39% |
50-60% Celebrate | 6.44% | 6.42% |
60-70% Evaporate | 6.49% | 6.46% |
70-80% Liberate | 6.54% | 6.50% |
Refinancing FAQs
You may be wondering...