Athena Home Loans home loan interest rates for owner-occupier principal & interest loans — 2 products, variable and fixed, with comparison rates, fees and current offers. Updated 2026-09-16. non-bank lender
| Loan | Variable | Fixed (duration) | Comparison | Fees | Special offers |
|---|---|---|---|---|---|
| Athena Straight Up (owner-occupier P&I) auto-updated 2026-09-16 | 6.29% | — | 6.27% | No application or ongoing fees. Quoted at LVR 50-60%: the rate steps down as you pay the loan down (6.24% p.a. at LVR 0-50%) and up at higher LVRs (6.34% p.a. at 60-70%, 6.39% p.a. at 70-80%). Straight Up has no offset account; $325 discharge fee at payout. | ★ No application or ongoing fees ★ Automatic rate discount as the loan-to-value ratio falls |
| Athena Fixed Rate (1-3 year, LVR 50-60%) | — | 1yr 6.74%2yr 6.79%3yr 6.84% | 6.32% – 6.43% | No application or ongoing fees. Athena publishes 1, 2 and 3 year fixed terms only. Comparison rates are calculated against the Straight Up revert rate, so they read lower than the fixed rate. | — |
About Athena Home Loans
Athena Home Loans is a digital-only non-bank lender founded in 2017 and backed by Macquarie Bank and Square Peg Capital. It is known for no-fee loans and automatic LVR-based rate discounts, and is distributed direct rather than through brokers.
- Website: www.athena.com.au
- Contact: 1300 248 888; [email protected]
Current Athena Home Loans rates: lowest variable 6.29%, lowest fixed 6.74%.
Rate source: https://www.athena.com.au/our-loans.