Athena Home Loan Rates
Athena is an Australian online-only home lender founded in 2017 by ex-NAB executives, built around automatic loyalty discounts that reduce your rate as your LVR drops. No branches, direct-to-consumer only. Variable owner-occupier and investor products with built-in offset, focused on prime refinancers.
What are Athena home loan rates?
Athena home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.24% p.a., last verified 30 Aug 2026. Compare Athena against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Athena home loan rate?
The lowest Athena variable home loan rate Ratesniffers tracks is 6.24% p.a. These figures come from the 10 Athena products on this page that pass data-quality checks, ranked by comparison rate, last verified 30 Aug 2026.
How many home loan products does Athena offer?
Ratesniffers currently tracks 14 Athena home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 10 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Athena home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.24% p.a. | 6.24% p.a. | 50% |
| Variable Owner-occupier P&I | 6.29% p.a. | n/a | 60% |
| Variable Owner-occupier P&I | 6.34% p.a. | n/a | 60% |
| Variable Owner-occupier P&I | 6.34% p.a. | n/a | 70% |
| Variable Owner-occupier P&I | 6.39% p.a. | 6.39% p.a. | 50% |
| Variable Owner-occupier P&I | 6.39% p.a. | n/a | 70% |
| Variable Owner-occupier P&I | 6.39% p.a. | n/a | 80% |
| Variable Owner-occupier P&I | 6.54% p.a. | n/a | 80% |
| Variable Owner-occupier P&I | 6.54% p.a. | n/a | 80% |
| Variable Owner-occupier interest-only | 6.64% p.a. | n/a | 80% |
10 of 14 tracked Athena home loan products
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Athena home loan repayment calculator
Pre-filled with Athena's lowest advertised variable rate in the table above, 6.24% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is Athena?
Athena is a digital non-bank lender that built its brand on refusing to charge existing customers more than new ones: its automatic rate match, which won a Canstar Innovation Excellence Award, drops an existing customer's rate whenever a lower like-for-like rate is offered to new borrowers.
It charges no ongoing fees on its core products and rewards paying down the loan, with rate tiers that fall as your loan-to-value ratio drops.
Who suits a Athena home loan?
Athena tends to suit refinancers with straightforward scenarios and reasonable equity who never want to haggle for a loyalty discount again. It is digital-only with no branches and a deliberately simple product set, so complex or low-deposit scenarios are better served elsewhere; check its live position in the table above.
Background facts checked 4 September 2026. Rates above refresh independently.