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

Refi Hero Banner Desktop
Refi Hero Banner Mobile
Refi Hero Banner Mobile

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**.

Pay less desktop
Pay less mobile
Pay less mobile

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.

Your-in-control-Desktop (1)
You're in control mobile
You're in control mobile

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.

Equity calculator animated white background
Unlock your equity calculator
Unlock your equity calculator

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.

Mobile app
Mobile app mobile
Mobile app mobile

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

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

Fixed

Rates from 6.54%
(6.22%^ 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



✅ 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.

Pre qualification savings illustration desktop
Apply
Settle
Save

Apply online and get an Instant Decision

It only takes 15 minutes and you’ll get a decision in 60 seconds.

We’ll let you know what docs to provide. To get a head-start, here’s what you’ll usually need.

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

Investor concierge team desktop
Investor-concierge-Mobile
Investor-concierge-Mobile

Learn more about refinancing your home loan

Article-PIIO-card

Principal & Interest vs Interest Only

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

Home loan hacks article

Hacks to pay off your home loan faster

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

Article:Repayments

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

Owner Occupied
Investor
Principal & Interest
Interest Only
LVR TierRateComparison 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

Owner Occupied
Investor
Principal & Interest
Interest Only
LVR TierRateComparison 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%

FAQs

What’s the process to switch over?

Apply in as little as 15 mins (but take your time). Our loan experts will be in touch.


We'll run the valuation and other bits including ID verification which can take up to a few days.


A transfer request is then sent to your current lender but be warned this is often where delays happen. You may find your current lender’s retention team trying to drag things out for as long as possible. In some cases where the original lender has been reasonable, the transfer process can take around 2- 3 weeks. In some cases, longer.


On average from quote to settlement, it’s taken our existing customers 6 weeks to switch over. It could take shorter or longer depending on your scenario, but we will always keep you in the loop

Am I eligible to refinance to Athena?

The easiest way to find out if you're eligible is to pop in some details here. It'll only take a few minutes.


Or read more about our eligibility criteria.


We believe there's a great loan for every home. If you currently don't meet Athena's criteria, we are confident that our Home Loan Specialists from Athena Select will be able to find you the best deal possible.

Learn more about Athena Select

Which AcceleRATE tier will I be on?

You can find our which AcceleRATE tier you're on by calculating your LVR. To calculate your LVR divide the loan amount (exclude any redraw or offset balance) by the property value and multiply by 100.


For example: If your loan amount is $450,000 and the value of your property is $700,000 your LVR is 60% ($450,000 / $700,000 X 100 = 60%). You will be on the CelebRATE tier.


Note - Your loan amount does not include funds in your redraw.

I want to refinance multiple properties over to Athena

We love that! Switch and you could save even more by bringing all your properties to Athena.


You’ll get a dedicated Home Loan Expert from start to settlement, red-hot investment rates and we’ll be right alongside you through the process.


Submit your first property application and let us know about your other properties and we'll handle the rest!

Can I refinance with equity release?

Want to borrow more from your property’s equity for things like renos or investments? Sure, if it all fits within the loan size and maximum LVR.


Check out our eligibility criteria.

Can I refinance to consolidate debt?

Yes, combine all your debts into your home loan and you could save yourself a whole lot of interest. Genius.

How do valuations work at Athena?

We run valuations for properties after you submit your application free of charge.

How long does it take to switch over?

You could apply in as little as 15 mins (but take your time). Our decisioning engine is super quick to turn things around and supply conditional approval.

--

We then run the valuation and other bits, including ID verification, which can take up to a few days. Afterwards, we request a transfer from your current lender, but be warned this is often where delays happen. You may find your current lender’s retention team trying to drag things out for as long as possible.


In some cases where the original lender has been reasonable, the transfer process can take around 2- 3 weeks. In some cases, longer. On average, from quote to settlement, it’s taken our existing customers 6 weeks to switch over.


It could take shorter or longer depending on your scenario, but we will always keep you in the loop.

Will I be charge penalty fees by my current lender?

If your loan was settled after 30 June 2011, lenders are not legally allowed to charge an exit fee. That said some lenders still pass on costs (usually called discharge fees) when you jump ship to a better deal. And of course, if you’re on a fixed rate then you will need to check out what the break fee is, remembering it can be chunky depending on the size of your loan and time left.


Check with your current lender what sneaky discharge fees they’ll charge you to leave. You should always make sure your savings are worthwhile against the possible costs. Head over to our calculator to work out your savings.

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.