Athena logo

Athena Athena Fixed Rate Home Loan

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 60%

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $2,000,000 with an LVR below 60%

The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $2,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $2,000,000 with an LVR below 70%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 60%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 60%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 60%

The details shown below are for an investor taking out a interest only loan between $100,000 and $2,000,000 with an LVR below 60%

The details shown below are for an investor taking out a interest only loan between $100,000 and $2,000,000 with an LVR below 60%

The details shown below are for an investor taking out a interest only loan between $100,000 and $2,000,000 with an LVR below 60%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 60%

    Loan: $100,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 60%-70%

    Loan: $100,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 70%-80%

    Loan: $100,000 $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 60%

    Loan: $100,000 $2,000,000

  • Owner Occupier (Interest Only)

    LVR 70%-80%

    Loan: $100,000 $2,000,000

  • Owner Occupier (Interest Only)

    LVR 60%-70%

    Loan: $100,000 $2,000,000

  • Investor (Principal & Interest)

    LVR 60%-60%

    Loan: $100,000 $2,000,000

  • Investor (Principal & Interest)

    LVR < 60%

    Loan: $100,000 $2,000,000

  • Investor (Principal & Interest)

    LVR 70%-60%

    Loan: $100,000 $2,000,000

  • Investor (Interest Only)

    LVR < 60%

    Loan: $100,000 $2,000,000

  • Investor (Interest Only)

    LVR 60%-60%

    Loan: $100,000 $2,000,000

  • Investor (Interest Only)

    LVR 70%-60%

    Loan: $100,000 $2,000,000

Fixed 3 year rate
3.39% p.a.
Comparison Rate
2.33% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.44% p.a.
Comparison Rate
2.36% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.49% p.a.
Comparison Rate
2.40% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.59% p.a.
Comparison Rate
2.37% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.59% p.a.
Comparison Rate
2.44% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.59% p.a.
Comparison Rate
2.40% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.34% p.a.
Comparison Rate
2.64% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.29% p.a.
Comparison Rate
2.61% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.39% p.a.
Comparison Rate
2.68% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.39% p.a.
Comparison Rate
2.63% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.39% p.a.
Comparison Rate
2.66% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.39% p.a.
Comparison Rate
2.70% p.a.
Service fee
$0.00
Upfront fee
$0

Mozo editorial review Athena Athena Fixed Rate Home Loan - last updated: 24 November 2021

binocular icon
What's hot
  • 3.39% p.a. (2.33% p.a. comparison rate*) on 3-year terms (60% LVR)
  • Free extra repayments
  • Redraw facility available
What's not
Mozo snapshot

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 2.39% p.a. (2.02% p.a. comparison rate*) to 3.49% p.a. (2.40% p.a. comparison rate*) for owner occupiers making principal and interest repayments.

key icon
Key features

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 70-80% LVR loan, you can expect a 3.39% p.a. fixed rate (2.33% 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 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.

snapshot
Who is it good for

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 and access a redraw facility should also be appreciated by borrowers.

question icon
Any catches

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.

Details

Rates and fees information correct as at 6 December 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.39% (2.02%*)

2.99% (2.16%*)

3.39% (2.33%*)

n/a

n/a

n/a

n/a

1.99% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$100,000

$2,000,000

none

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

no

no

none

none

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.

Details

Rates and fees information correct as at 6 December 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.44% (2.06%*)

3.04% (2.18%*)

3.44% (2.36%*)

n/a

n/a

n/a

n/a

2.09% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$100,000

$2,000,000

60.00%

70.00%

Features

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

no

no

none

none

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.

Details

Rates and fees information correct as at 6 December 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.49% (2.10%*)

3.09% (2.23%*)

3.49% (2.40%*)

n/a

n/a

n/a

n/a

2.19% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$100,000

$2,000,000

70.00%

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

no

no

none

none

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.

Details

Rates and fees information correct as at 6 December 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

3.09% (2.08%*)

3.64% (2.29%*)

3.59% (2.37%*)

n/a

n/a

n/a

n/a

2.84% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$100,000

$2,000,000

none

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

no

no

none

none

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.

Details

Rates and fees information correct as at 6 December 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

3.09% (2.16%*)

3.64% (2.33%*)

3.59% (2.44%*)

n/a

n/a

n/a

n/a

2.84% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$100,000

$2,000,000

70.00%

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

no

no

none

none

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.

Details

Rates and fees information correct as at 6 December 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

3.09% (2.11%*)

3.64% (2.26%*)

3.59% (2.40%*)

n/a

n/a

n/a

n/a

2.84% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$100,000

$2,000,000

60.00%

70.00%

Features

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

no

no

none

none

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.

Details

Rates and fees information correct as at 6 December 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.74% (2.45%*)

3.24% (2.55%*)

3.34% (2.64%*)

n/a

n/a

n/a

n/a

2.49% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$100,000

$2,000,000

60.00%

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

no

no

none

none

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.

Details

Rates and fees information correct as at 6 December 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.69% (2.42%*)

3.19% (2.53%*)

3.29% (2.61%*)

n/a

n/a

n/a

n/a

2.39% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$100,000

$2,000,000

none

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

no

no

none

none

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.

Details

Rates and fees information correct as at 6 December 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.79% (2.50%*)

3.29% (2.60%*)

3.39% (2.68%*)

n/a

n/a

n/a

n/a

2.59% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$100,000

$2,000,000

70.00%

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

no

no

none

none

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.

Details

Rates and fees information correct as at 6 December 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.99% (2.44%*)

3.34% (2.52%*)

3.39% (2.63%*)

n/a

n/a

n/a

n/a

2.69% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$100,000

$2,000,000

none

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

no

no

none

none

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.

Details

Rates and fees information correct as at 6 December 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.99% (2.47%*)

3.34% (2.58%*)

3.39% (2.66%*)

n/a

n/a

n/a

n/a

2.69% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$100,000

$2,000,000

60.00%

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

no

no

none

none

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.

Details

Rates and fees information correct as at 6 December 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.99% (2.52%*)

3.34% (2.62%*)

3.39% (2.70%*)

n/a

n/a

n/a

n/a

2.69% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$100,000

$2,000,000

70.00%

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

no

no

none

none

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.

Customer Reviews

How are Athena home loans rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

About Athena

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.