Athena Home Loan Rates December 2025

Explore Athena home loan offers to find some of the most competitive mortgage rates, fees, and features available for you.

Monthly repayment below is based on a $500,000 loan amount over 30 years.

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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Extra Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
5.49% p.a.
5.49% p.a.
$2,836
Principal & Interest
Variable
$0
$0
50%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 50% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.74% p.a.
5.59% p.a.
$2,392
Interest-only
Variable
$0
$0
80%
  • Owner Occupier
  • Variable
  • Interest-only
  • 20% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.84% p.a.
5.81% p.a.
$2,947
Principal & Interest
Variable
$0
$0
70%
  • Investor
  • Variable
  • Principal & Interest
  • 30% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.89% p.a.
5.78% p.a.
$2,454
Interest-only
Variable
$0
$0
80%
  • Investor
  • Variable
  • Interest-only
  • 20% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
Important Information and Comparison Rate Warning

What you need to know about Athena home loans

Athena is a digital-only non-bank lender that burst onto the scene in 2019 with a mission to "change home loans for good". By cutting out fees, rewarding existing customers, and leaning on tech, the certified B Corp has settled more than $6.8 billion in mortgages as of late-2025.

You might find Athena a good fit if you:

  • Don't want to pay home loan fees
    The lender's Straight Up and Power Up loans come with no application, valuation, monthly, annual or exit fees.

  • Prefer a rate that gets lower as you pay down
    Athena's AcceleRATES feature automatically shifts a borrower to a lower rate as they repay their principal and realise lower loan-to-value ratio (LVR) tiers.

  • Hate the loyalty tax
    The lender's Automatic Rate Match promises that any rate offered to new borrowers is also passed on to existing customers holding the same loan type.

  • Have an LVR of 80% or less
    Athena doesn't lend to borrowers with deposits or equity worth less than 20% of their property's value.

  • Need an offset account
    Athena's Power Up product includes a 100 % fee-free offset plus up to 10 sub-accounts.

  • Don't mind managing your home loan online or over the phone
    Borrowers must apply for and manage their mortgage online or via the Athena app, but support is also available by phone, chat, or SMS.

  • Want to make extra repayments on a fixed rate
    Athena allows fixed rate borrowers to repay an additional 5% of their loan balance over the course of their fixed rate period without penalty - potentially more than other lenders allow.

  • Value lenders with strong social and climate credentials
    Athena is a certified B Corp and has partnered with Trace to reach net-zero emissions through a formal decarbonisation plan.

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