Choose the version of this loan that suits you best
Availability | Loan type | LVR | Min loan amount | Max loan amount | |
---|---|---|---|---|---|
|
Owner Occupier | Principal & Interest | 50%-60% | $100,000 | $2,500,000 |
|
Owner Occupier | Principal & Interest | 70%-80% | $100,000 | $2,500,000 |
|
Owner Occupier | Principal & Interest | < 50% | $100,000 | $2,500,000 |
|
Owner Occupier | Principal & Interest | 60%-70% | $100,000 | $2,500,000 |
|
Owner Occupier | Interest Only | < 50% | $100,000 | $2,500,000 |
|
Owner Occupier | Interest Only | 50%-60% | $100,000 | $2,500,000 |
|
Owner Occupier | Interest Only | 60%-70% | $100,000 | $2,500,000 |
|
Owner Occupier | Interest Only | 70%-80% | $100,000 | $2,500,000 |
|
Investor | Principal & Interest | < 50% | $100,000 | $2,500,000 |
|
Investor | Principal & Interest | 50%-60% | $100,000 | $2,500,000 |
|
Investor | Principal & Interest | 60%-70% | $100,000 | $2,500,000 |
|
Investor | Principal & Interest | 70%-80% | $100,000 | $2,500,000 |
|
Investor | Interest Only | < 50% | $100,000 | $2,500,000 |
|
Investor | Interest Only | 50%-60% | $100,000 | $2,500,000 |
|
Investor | Interest Only | 60%-70% | $100,000 | $2,500,000 |
|
Investor | Interest Only | 70%-80% | $100,000 | $2,500,000 |
Athena Home Loans has made a name for itself with its low rates and emphasis on helping borrowers get rid of mortgage debt fast. It now adds a range of fixed rate home loans to its suite of products, with rates ranging from 6.64% p.a. (6.24% p.a. comparison rate*) to 6.94% p.a. (6.14% p.a. comparison rate*) for owner occupiers making principal and interest repayments.
Athena’s Fixed Rate home loan offers competitive interest rates for both owner occupiers and investors, with terms ranging from one to three years. Rates will vary depending on the type of loan and your loan-to-value ratio, but if you’re an owner occupier making P&I repayments on a <60% LVR loan, you can expect a 6.74% p.a. fixed rate (6.24% p.a. comparison rate*) on 3-year terms.
You’ll have the option to make repayments weekly, fortnightly or monthly, along with the ability to make free extra repayments up to 5% of outstanding fixed loan balance per year so you’re not clinging onto your mortgage longer than you need to. Once the fixed term is up, your loan will revert to a variable rate.
This home loan could be a good choice for those looking to lock in a competitive interest rate for 1 to 3 years. The ability to make free extra repayments up to 5% of outstanding fixed loan balance per year and access a redraw facility should also be appreciated by borrowers.
While fees have been kept to a minimum, borrowers should remember that if they terminate the fixed rate contract prematurely, they may face a steep break cost.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.89% (6.08%*) |
|
6.89% (6.19%*) |
|
6.69% (6.21%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.29% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
50.00% |
|
60.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.99% (6.18%*) |
|
6.99% (6.26%*) |
|
6.79% (6.28%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.39% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.84% (6.30%*) |
|
6.84% (6.36%*) |
|
6.64% (6.35%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.24% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
none |
|
50.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.94% (6.14%*) |
|
6.94% (6.23%*) |
|
6.74% (6.24%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.34% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
60.00% |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.04% (6.55%*) |
|
7.04% (6.60%*) |
|
6.94% (6.62%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.49% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
none |
|
50.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.04% (6.12%*) |
|
7.04% (6.22%*) |
|
6.94% (6.28%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.49% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
50.00% |
|
60.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.04% (6.16%*) |
|
6.04% (6.25%*) |
|
6.94% (6.30%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.49% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
60.00% |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.04% (6.19%*) |
|
6.04% (6.28%*) |
|
6.94% (6.33%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.49% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.94% (6.40%*) |
|
6.69% (6.41%*) |
|
6.54% (6.40%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.34% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
none |
|
50.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.94% (6.20%*) |
|
6.69% (6.23%*) |
|
6.54% (6.23%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.39% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
50.00% |
|
60.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.99% (6.24%*) |
|
6.74% (6.27%*) |
|
6.59% (6.27%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.44% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
60.00% |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.04% (6.30%*) |
|
6.79% (6.32%*) |
|
6.64% (6.32%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.54% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.04% (6.19%*) |
|
6.74% (6.22%*) |
|
6.54% (6.22%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.54% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
none |
|
50.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.04% (6.21%*) |
|
6.74% (6.24%*) |
|
6.54% (6.24%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.54% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
50.00% |
|
60.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.09% (6.25%*) |
|
6.79% (6.28%*) |
|
6.59% (6.28%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.59% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
60.00% |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.14% (6.31%*) |
|
6.84% (6.34%*) |
|
6.64% (6.33%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.64% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$100,000 |
|
$2,500,000 |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - up to 5% of outstanding loan balance per year |
|
no |
|
yes - free |
|
none |
|
no |
|
no |
|
Only available for properties in capital cities or major population centres. |
|
Athena AcceleRATES automatically moves the loan to the lower Evaporate rate tier when you have paid the loan off to 60-70% LVR, then to the Celebrate rate for <60% LVR. |
|
none |
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.
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Mortgage Simplifier
6.14% p.a. variable
6.17% p.a.
Flex Home Loan
6.24% p.a. variable
6.48% p.a.
Elevate
6.09% p.a. variable
6.20% p.a.
SMSF Home Loan (Variable)
6.99% p.a. variable
7.00% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Flex Home Loan Fixed
5.99% p.a.
fixed 3 years
6.41% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
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.