Athena Home Loans

The only advantage (and it's a big one) I can think of is that once you are with Athena there are minimal fees. The disadvantages are several and refer to Athena's lack of user friendliness: - the app is very temperamental, in that it very often refuses to log onto my account despite inputting the correct codes. I've even raised a complaint, but… Read more

to no avail yet. - you can only speak to a person within the basic hours of 9am to 5pm Monday to Friday (not even stretched to 5.30pm). - the app is meant to be more user friendly than their website,.... but surprise, surprise it's not. For example, I tried to withdraw some funds from my offset account only to be told there is a maximum limit (a very low $ amount) unless you speak to a person at Customer Support. There is no option in the app to make any change to this limit. Guess when this discovery happened? Yep, 5.10pm when all the humans had gone home. To be fair, when you do get hold of someone during 9-5, they are very helpful. Just a shame we are in the 21st century, but Athena's service is back in the 20th century.

Very satisfied. I'm happy to be contacted if you want to ask questions – I was a 52-year-old first home buyer in Brisbane. I had a large deposit and needed a relatively small home loan of $100K over five years. I have a full-time job with a median income so was pretty confident I'd get a loan but I was still anxious. I wanted my offer on a townhouse in Brisbane in early September to be accepted. Wisely or not, I make… Read more

an unconditional-upon-finance 30-day offer. The market was still hot, and I’d been disappointed in the past.

I tried to talk to my bank, and another, about applying for a mortgage and they were confusing and opaque and didn’t tell me about costs that I later found out about.

I asked my friend who have been successful in the investment property market for advice, and she said straight up ‘Athena’.

The application: • The application process was easy to read about and understand. • I could text my person at Athena at any time and I’d get a text back within ten minutes or so, or if I asked him to call, he called me. Athena was fast, responsive and reliable. • I was clueless and had lots of silly questions, and he always made me feel good about asking questions. He also answered clearly. • I was very nervous about my 30-day settlement deadline, and Athena assured me they understood and could have the loan ready. • Uploading my documents was simple, despite me not being great at technology. • I could log in anytime and confirm that my documents were there, see the tick showing they were in order, and see what the next step was. • There were no delays from Athena. When they said they’d need to inspect the property to value it, I was worried because the tenant made inspections cumbersome, but that was also smooth and quick. • When the loan was offered, being in Queensland I couldn’t sign one document electronically, and needed to print and send one document to the financer in Sydney by mail. I was worried about how long it would take. When I expressed my worry to Athena by text, they replied that if there was a delay, they could somehow work around it, and it wouldn’t hold up settlement. • Athena liaised with my conveyancing solicitor without any problem. They had everything done well in advance of the thirty days to settlement. • I’m still not very financially literate, but to my knowledge Athena was transparent, straightforward about the product they offer, and forthright about fees.

Having the loan: • It is easy to transfer money into the offset account. • There are no fees to transfer into the offset account. • I like that there are no annual feels. • I can pay off my loan quickly without financial penalty. • The website is easy to use for my banking (I know I should get the app though). I’ve experienced no glitches or times I can’t access it.

You are welcome to message me, and I can give you my referral code and if you use it in your application Athena will put $500 into your account. I used some random person's code, and it took about six weeks, but the money was popped into my offset account.

So easy to get started, every step of the process was made easy, great rates and the few times I have had need to call, all competent, consistent exchanges. Best thing I did was move my mortgage from one of the big 4 to Athena Show details

Our loan with Athena has been so easy to manage. We like to make extra payments to pay off our loan sooner and it gives us peace of mind to know we won't be penalised for doing this.

We have been with Athena for a few years and they have looked after us when we needed extra funds for Renovations. When there is a rate cut, it's passed on the same day.

If we could provide -1 star no doubt we would! We have been with Athena for our home loan for under 12 months, and if we could have moved elsewhere sooner we would have! After being offered a better deal with CBA we decided to make the switch. To which Athena has taken well over the allowable 2 week period to even accept! Only after a phone call… Read more

were we assured it would be accepted….. Yet here we are some nearly 4 weeks in and STILL waiting! Only after submitting a complaint to AFCA did we even warrant a response! Rubbish service and rubbish rates from former bank executives! In 2025 guys. DO BETTER! If you have a broker trying to sell you this mob, run fast it’s not worth it and their payment schedule is equally rubbish. Disappointed is an understatement. Save yourself the stress and simply don’t!

Don't dare go anywhere near this company if you're over 55. They won't deal with you – They wanted to be my best friend until they found out how old I was. Then I suddenly became unwanted. Don’t deal with this company if you're over 55 . You're wasting your time. Age discrimination at its worst. Show details

not competitive – not really customer friendly. when you ask for a home loan rate review they just give you the options for what their current loans are not really taking into account your profile and history with them. seems like they aren't really rate competitive and only for consumers who are happy to just go with a product once but not bother to review the loan and rate. Show details

I’m refinancing from ING home loan to Anthena because ING are so rude and won’t drop my rates, but Athena is offering me 2% lower than ING, application has been so easy, don’t need my broker and I’m hoping to consolidate some other debts while I’m at it, and I can continue with my mortgage term and not start another 30 years. I hope it gets approved Show details

Athena has always been great from implementing rate cuts even before we are aware of them and whenever we call up they are always professional and helpful. Their app is really user friendly too. Definitely recommend Athena!! Show details

Do yourself a favour, switch your home loan to Athena, not only will you save money with fees and interest you will be provided with exceptional customer service which is unlike any other bank you have dealt with previously Show details

Really happy with Athena. Excellent customer service. Always pass on rate cuts promptly and in full. Very encouraging happy text messages too, plus tips to save and pay off your mortgage faster. Thank you! Show details

Customer service is excellent. Rate cuts are passed down to customers as soon as they happen and we just get advised of this via text. Very happy that I switched to Athena. Have seen my loan go down more rapidly than with the other lender. Thanks Team @ Athena! Show details

We have been delighted with Athena. Their good rates, clear communications and an easy to use app are the main reasons. We have a Straight Up principle and interest variable loan. We are getting ahead faster than we ever thought we could when with other lenders. Show details

Refreshingly Easy & Honest Home Loan Experience. We’ve been with Athena for a while now and honestly couldn’t be happier. The whole process from the start has been smooth and easy, and their team is super friendly and down-to-earth — no bank jargon, no pushy sales talk, just clear, helpful advice. What I really appreciate is how relaxed but… Read more

professional they are. They communicate well, and you always feel like you're dealing with real people who care about doing right by their customers.

One of the best things? They actually drop their rates straight away when the RBA does — no waiting, no games. It’s such a refreshing change compared to the big banks, who always seem to take their time passing on cuts (if they do at all).

Athena lives up to what they promise — fair, transparent, and easy to deal with. Would absolutely recommend them to anyone wanting a no-fuss home loan with great service.

Outstanding excellent rate , and I love how they txt that your rates changed with in 1/2 hour after the RBA has drops its rate with these guys no more shopping around wasting time . they are the best :) Love it Show details

I love that interest rate cuts are immediately passed on and there are no fees. Athena are so easy to deal with and I can pay as much extra as I want each week. It’s the best move I ever made, leaving one of the big 4 banks and refinancing with Athena. I highly recommend them to everyone. Show details

We have been with athena for about 2 years and havent had any issues at all, its really easy to set up. I have never actaully called athena to he honest, havent needed to. Show details

You consistently pass on interest rate reductions promptly following announcements by the Treasury, often ahead of other institutions. Your highly competitive interest rates, combined with the exceptional ease of use and customer support you provide, set a commendable standard

They have been very easy to swap over to, pass on all rate cuts straight away with out having to follow up about it, easy to access app and get up to date info, reduced interest rate with higher % outstanding owing payed off Show details

Simple, easy set up mortgage, low rates and zero fees, for me the best parts immediate rate changes, nice they don’t sit on reductions for 6 weeks as other lenders have done in the past and instant availability for any available redraw funds. Show details

I have developed a trust for Athena that I’ve never had with the banks. My rate is adjusted automatically and very promptly, without me asking for it. Dealing with them is easy and no nonsense. The customer service is amazing, but best of all, since setting up my home loan, I’ve not needed to contact them for anything. It’s just so easy to have my home loan there. Show details

Fantastic loan application process. Regular contact from the Athena team with updates and questions. Quick turn over and the fact that the changes in RBA rates are passed on immediately is just an added bonus. Show details