Variable-rate home loan with no Athena-charged fees and free redraw. Includes AcceleRATES automatic rate reductions as LVR drops, and Automatic Rate Match for existing customers. No offset.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.79% | 6.68% | Variable · investment · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 6.79% | 6.69% | Variable · investment · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 6.84% | 6.73% | Variable · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.89% | 6.79% | Variable · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.59% | 6.59% | Variable · investment · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.62% | Variable · investment · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 6.69% | 6.66% | Variable · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.79% | 6.73% | Variable · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.74% | 6.60% | Variable · owner occupied · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 6.74% | 6.61% | Variable · owner occupied · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 6.74% | 6.63% | Variable · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.74% | 6.65% | Variable · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.49% | 6.49% | Variable · owner occupied · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 6.54% | 6.52% | Variable · owner occupied · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 6.59% | 6.56% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.64% | 6.60% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://www.athena.com.au/cds-au/v1/banking/products/athena-straight-up- Content hash
sha256 7b823de4f3ba87e74cd53cd63103fea2710f1d05405b81c0c85a034166563f07- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_7b823de4f3ba87e7_ccd550b4Show details
- Checked
- 1 Nov 2026
- URL
https://www.athena.com.au/cds-au/v1/banking/products/athena-straight-up- Content hash
sha256 7b823de4f3ba87e74cd53cd63103fea2710f1d05405b81c0c85a034166563f07- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | $0.00 |
| Ongoing Fee | Periodic | $0.00 |
| Discharge Fee | Exit | $0.00 |
| Redraw Fee | Transaction | $0.00 |
| Valuation Fee | Upfront | $0.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Online and mobile account management | |
| Redraw | Free redraw facility | |
| Extra repayments | Unlimited extra repayments | |
| Other | AcceleRATES — automatic rate reduction as LVR drops to next tier | |
| Other | Automatic Rate Match — existing customers receive the same rate as new customers on a like-for-like variable loan | |
| Eligibility: natural person | ||
| Eligibility: min age | 18 | Minimum age 18 years |
| Eligibility: residency status | Australian citizen or permanent resident | |
| Eligibility: other | Lending criteria and T&Cs apply | |
| Limit: min limit | 100000.00 | |
| Limit: max limit | 3000000.00 | |
| Limit: max lvr | 0.80 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 6.59% | 6.59% |
| Variable · owner occupied · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 6.49% | 6.49% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.60% |
| Variable · investment · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 6.79% | 6.69% |
| Variable · owner occupied · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 6.74% | 6.61% |
| Variable · investment · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 6.64% | 6.62% |
| Variable · owner occupied · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 6.54% | 6.52% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.59% | 6.56% |
| Variable · investment · interest only · LVR 50% or less | 1 Nov 2026 | Current | 6.79% | 6.68% |
| Variable · owner occupied · interest only · LVR 50% or less | 1 Nov 2026 | Current | 6.74% | 6.60% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.69% | 6.66% |
| Variable · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.84% | 6.73% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.79% | 6.73% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.89% | 6.79% |
| Variable · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.74% | 6.63% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.74% | 6.65% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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