Athena vs ubank home loans July 2026
Athena's lowest variable home loan rate is 6.24% p.a. and ubank's is 6.09% p.a., a gap of 15 basis points, with ubank the lower of the two today. Both figures are ranked by comparison rate and refreshed daily, so check features and fees alongside the headline rate before deciding.
Athena vs ubank at a glance
| Feature | Athena | ubank |
|---|---|---|
| Lowest variable rate | 6.24% p.a. | 6.09% p.a. |
| Lowest 3-year fixed rate | — | 6.59% p.a. |
| Lowest comparison rate | 5.99% p.a. | 6.13% p.a. |
| Products tracked | 14 | 23 |
| Offset available | Yes | Yes |
| Cashback offer | — | — |
Athena or ubank: which should you pick?
On the lowest advertised variable rate, ubank sits at 6.09% p.a. and Athena at 6.24% p.a. On a $500,000 loan over 30 years, that gap works out to roughly $49 a month in repayments, so the rate difference is worth weighing carefully.
Both lenders offer an offset account, so if parking savings against your loan matters to you, neither rules itself out on that front.
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 ubank 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 ubank: frequently asked questions
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Go deeper on each lender
Full product ranges, refreshed daily and ranked by comparison rate.