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Stop wasting time comparing rates & negotiating a better deal

Straight up great value. No hidden fees, no loyalty tax, & no waiting with our fast pre-approval.

Lowest rate Straight Up

Lowest rate

Get our lowest rates with all the Athenamazing features to help you pay down your home loan faster.

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Drop your own rate

We automatically lower your rate the more you pay down your home loan with Athena AcceleRATES

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Zero fees

Zero. None. Zilch. No valuation, exit or monthly fees for Straight Up and Power Up. None whatsoever.

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No loyalty tax

Automatic Rate Match means existing & new customers score the same sexy rates on like-for-like loans¹. An Aussie First.

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Your Appy place

The Athena App puts all your home loan goodness at your fingertips.

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Fee-free redraw

The more money you put in your redraw, the less interest you'll pay.

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^.

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%

Looking for more?

Flex it, split it, offset it with Power Up. You get all the good stuff from Straight Up with a bigger boost of features

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Power Up your loan copy with lightning bolt illustration mobile
Power Up your loan copy with lightning bolt illustration mobile

FAQs

What’s the difference between a Straight Up and Power Up home loan?

Straight Up gives you our lowest rate without the frills. It’s a simple home loan with a great, low rate, and easy to set up and go. We've kept all the Athena good stuff like our Automatic Rate Match, AcceleRATES and no fees to help you pay down your home loan faster.

Power Up boosts all the same goodness with extra features, flex and saving power like split loans and fee-free offset.

Can I switch between Straight Up and Power Up?

Yes, you can switch between the two at any time. Just give us a call and we’ll sort it out for you.


Remember, Power Up has extra features like offset and split so double check you don’t need those features anymore if you’re switching to Straight Up.

Is there a fee to switch between Straight Up and Power Up?

Absolutely not – we hate fees!

How do I apply for a loan with multiple properties? 

Simply get started here. Enter the address of any properties you wish to have on the loan and select that you have multiple properties. After you’ve submitted your application, one of our Investor Experts will help you add the additional properties to your loan application. If you prefer to chat before you start an application, book a call with our experienced Investor Experts here.

Can I add or change the properties on my cross-collateralised loan? 

Yes, you absolutely can! You can substitute properties if you sell one and purchase another, or partially discharge your loan if you sell one of your security properties. Any increases to your LVR will require a credit assessment prior to processing the changes to your loan.

Join thousands of Aussies taking control
of their mortgage

You’ve got nothing to lose but your home loan!
Take 3 mins to see your loan options including rate and repayments.

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.