Athena vs loans.com.au home loans July 2026
Athena's lowest variable home loan rate is 6.24% p.a. today, ranked by comparison rate and refreshed daily. loans.com.au's headline variable rate isn't showing in our index right now, so compare both on features, fees and the comparison rate before you switch.
Athena vs loans.com.au at a glance
| Feature | Athena | loans.com.au |
|---|---|---|
| Lowest variable rate | 6.24% p.a. | — |
| Lowest 3-year fixed rate | — | — |
| Lowest comparison rate | 5.99% p.a. | — |
| Products tracked | 14 | — |
| Offset available | Yes | — |
| Cashback offer | — | — |
Athena or loans.com.au: which should you pick?
Compare Athena and loans.com.au on the comparison rate first, the ASIC-mandated figure that folds in most fees, then on the features that matter to you. The headline rate alone rarely tells the whole cost story.
Athena offers an offset account in our index where loans.com.au doesn't currently show one, which can matter if you keep a healthy savings buffer.
The cheapest headline rate isn't always the rate a lender approves on your file. Your loan size, deposit and income all move the number, so the right pick between Athena and loans.com.au depends on your scenario, not just the advertised figure.
Not sure which one fits your scenario?
Advertised rates aren’t always the rate a lender approves. Get the sharper of the two negotiated against your specific numbers, at no cost.
Athena vs loans.com.au: frequently asked questions
Who has the lower home loan rate, Athena or loans.com.au?
What's the difference between Athena and loans.com.au home loans?
Is it worth switching from Athena to loans.com.au?
How often are Athena and loans.com.au rates updated?
Go deeper on each lender
Full product ranges, refreshed daily and ranked by comparison rate.