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% | $100,000 | $2,500,000 |
|
|
Owner Occupier | Principal & Interest | 60%-70% | $100,000 | $2,500,000 |
|
|
Owner Occupier | Principal & Interest | 50%-60% | $100,000 | $2,500,000 |
|
|
Owner Occupier | Principal & Interest | 70%-80% | $100,000 | $2,500,000 |
|
|
Owner Occupier | Interest Only | < 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 | < 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 |
As a fintech lender, Athena has great offers for digital-savvy borrowers looking to get more value out of their home loan. With competitive rates that are automatically reduced as you pay off your loan, no annual fees, and the ability to make free extra repayments, value is the name of the game with the Straight Up Home Loan.
For owner occupiers with an LVR of 70-80%, rates start at 6.39% p.a. (6.35% p.a. comparison rate*), but borrowers will be rewarded with discounts as they pay off their loan thanks to Athena’s AcceleRATES feature, which kicks in each time you cross over into a new LVR tier. The tiers are:
Liberate: 70-80%
Evaporate: 60-70%
Celebrate: 50-60%
Obliterate: <50%
Features include free extra repayments, which allow you to pay off as much of your mortgage as you want, whenever you want. A redraw facility is also available if you want to retrieve those extra funds down the track. What’s more, the loan doesn’t charge any upfront or ongoing fees, and you won’t have to worry about being penalised for early payout.
Because Athena is an online lender, you’ll need to be a fan of the online application process. You can always save your application, return to it, and keep track of it online. And if you have questions Athena offers 7 days local phone support — you just won’t be able to visit a branch.
The Straight Up home loan could suit digital-savvy borrowers looking for a loan that’s light on fees and offers competitive rates.
The Straight Up home loan doesn’t come with an offset account, so if that’s on your list of must-haves you might prefer the Power Up home loan from Athena. Athena loans are also only available for properties in capital cities or major population centres.
|
6.24% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.24% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
$100,000 |
|
|
$2,500,000 |
|
|
none |
|
|
50.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
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 until you reach the OBLITERATE <50% LVR tier. |
|
|
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.
|
6.34% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.31% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
$100,000 |
|
|
$2,500,000 |
|
|
60.00% |
|
|
70.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
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 until you reach the OBLITERATE <50% LVR tier. |
|
|
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.
|
6.29% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.27% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
$100,000 |
|
|
$2,500,000 |
|
|
50.00% |
|
|
60.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
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 until you reach the OBLITERATE <50% LVR tier. |
|
|
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.
|
6.39% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.35% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
$100,000 |
|
|
$2,500,000 |
|
|
70.00% |
|
|
80.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
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 until you reach the OBLITERATE <50% LVR tier. |
|
|
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.
|
6.49% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.40% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
$100,000 |
|
|
$2,500,000 |
|
|
none |
|
|
80.00% |
|
Owner Occupier |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
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 until you reach the OBLITERATE <50% LVR tier. |
|
|
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.
|
6.34% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.34% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
$100,000 |
|
|
$2,500,000 |
|
|
none |
|
|
50.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
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 until you reach the OBLITERATE <50% LVR tier. |
|
|
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.
|
6.39% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.37% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
$100,000 |
|
|
$2,500,000 |
|
|
50.00% |
|
|
60.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
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 until you reach the OBLITERATE <50% LVR tier. |
|
|
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.
|
6.44% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.41% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
$100,000 |
|
|
$2,500,000 |
|
|
60.00% |
|
|
70.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
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 until you reach the OBLITERATE <50% LVR tier. |
|
|
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.
|
6.54% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.48% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
$100,000 |
|
|
$2,500,000 |
|
|
70.00% |
|
|
80.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
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 until you reach the OBLITERATE <50% LVR tier. |
|
|
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.
|
6.54% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.44% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
$100,000 |
|
|
$2,500,000 |
|
|
none |
|
|
60.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
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 until you reach the OBLITERATE <50% LVR tier. |
|
|
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.
|
6.59% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.48% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
$100,000 |
|
|
$2,500,000 |
|
|
60.00% |
|
|
70.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
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 until you reach the OBLITERATE <50% LVR tier. |
|
|
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.
|
6.64% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.54% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
$100,000 |
|
|
$2,500,000 |
|
|
70.00% |
|
|
80.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
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 until you reach the OBLITERATE <50% LVR tier. |
|
|
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.
Increased interest rates higher than RBA rate increase amount which I thought was greedy as rates have been steadily increasing regularly.
Read full reviewIncreased interest rates higher than RBA rate increase amount which I thought was greedy as rates have been steadily increasing regularly.
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.
Home Value Loan
6.09% p.a.
6.09% p.a.
$0.00
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
$0.00
Elevate
6.09% p.a.
6.20% p.a.
$0.00
First Home Buyer Loan
5.90% p.a.
5.93% p.a.
$0.00
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.
