Athena takes on banks with borrower loyalty reward promise

If there’s one thing that really riles Aussie borrowers, it’s when your mortgage lender advertises sharp new rates for new customers but refuses to give loyal customers the same discount.

It's no surprise then that home borrowers are flocking to a new lender who’s busy rewriting the mortgage rules, starting by rewarding home loan loyalty instead of putting new customers first.

Online lender Athena not only offers some of the lowest home loan rates around, their automatic rate-match promise means they give the same rates to both new and existing borrowers. Customers even get a loyalty bonus in the form of a rate discount each year for five years, just for making repayments on time.

What's more, Athena is one of just four lenders in the Mozo comparison database to pass through all of the Reserve Bank’s three most recent rate cuts in full, proving their promise to put customers first is more than just marketing hype.

So if you like the sound of a lender who’s committed to low rates for the life of your loan, read on for our expert rundown of Athena’s value packed home loans to find out if this game changer could be what you’ve been waiting for.


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Important disclosures and comparison rate warning*
Athena - Liberate Variable Home Loan
  • 2.84% variable rate (2.80% comparison rate*)
  • Zero upfront or ongoing fees
  • Borrow up to 80% of the value of your property
Find out more

With one of the lowest variable rates around and no application, valuation or ongoing fees, the Athena Home Loan could help you get mortgage free faster and save thousands in the process. Flexible features include free extra repayments and free redraws. Initially available only to refinancers, the Athena Home Loan is now also on offer to home buyers buying an established property in a capital or major regional city.


Mozo may receive payment if you click to the website of one of the products below. Mozo does not compare the entire market.
Important disclosures and comparison rate warning*
Athena - Liberate Variable Home Loan
  • 3.24% variable rate (3.20% comparison rate*) for investors
  • No application, monthly or annual fees
  • Borrow up to 80%
Find out more

If you’re in the market for a home loan for an investment property, you’ll be pleased to hear Athena offers red hot investment rates, no fees and the flexibility to work to your time frame, no matter how tight. Athena’s automatic rate match promise also applies to investors, so if they cut their rate for new customers you’ll see the same benefit. Available to investors buying established properties in capital or major regional cities.

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Want to compare more home loans? View the latest mortgage rates from over 80 lenders at Mozo's home loan comparison hub.

* 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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

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