---
title: "Athena Straight Up — Athena Home Loans"
description: "Home Loans from Athena Home Loans. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/athena-home-loans/products/athena-straight-up
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-09T03:47:57.469Z
---

# Athena Straight Up — Athena Home Loans

> Home Loans from Athena Home Loans. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

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.

## At a glance

- **From (owner occupied):** 6.49% (6.49% comparison)

## Apply

Applications are handled by the provider: [Apply at Athena Home Loans](https://www.athena.com.au)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.49% | 6.49% | LVR ≤50% |
| Variable | 6.54% | 6.52% | LVR ≤60% |
| Variable | 6.59% | 6.56% | LVR ≤70% |
| Variable | 6.64% | 6.6% | LVR ≤80% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.74% | 6.6% | LVR ≤50% |
| Variable | 6.74% | 6.61% | LVR ≤60% |
| Variable | 6.74% | 6.63% | LVR ≤70% |
| Variable | 6.74% | 6.65% | LVR ≤80% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.59% | 6.59% | LVR ≤50% |
| Variable | 6.64% | 6.62% | LVR ≤60% |
| Variable | 6.69% | 6.66% | LVR ≤70% |
| Variable | 6.79% | 6.73% | LVR ≤80% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.79% | 6.68% | LVR ≤50% |
| Variable | 6.79% | 6.69% | LVR ≤60% |
| Variable | 6.84% | 6.73% | LVR ≤70% |
| Variable | 6.89% | 6.79% | LVR ≤80% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee | Upfront | $0.00 |
| Ongoing Fee | Ongoing | $0.00 |
| Discharge Fee | Exit | $0.00 |
| Redraw Fee | Transaction | $0.00 |
| Valuation Fee | Upfront | $0.00 |

## Features

- **Digital banking** (Online and mobile account management)
- **Redraw facility** (Free redraw facility)
- **Extra repayments** (Unlimited extra repayments)
- **AcceleRATES — automatic rate reduction as LVR drops to next tier**
- **Automatic Rate Match — existing customers receive the same rate as new customers on a like-for-like variable loan**

## Eligibility

- **Individuals only**
- **Minimum age** — 18 years (Minimum age 18 years)
- **Residency status** — Australian citizen or permanent resident
- **Lending criteria and T&Cs apply**

## Constraints

- **Minimum limit** — $100,000.00 (Minimum loan amount $100,000)
- **Maximum limit** — $3,000,000.00 (Maximum loan amount $3,000,000)
- **Maximum LVR** — 80% (Maximum LVR 80%)

## More information from Athena Home Loans

- [Overview](https://www.athena.com.au/features)
- [Terms & conditions](https://www.athena.com.au/access-terms)
- [Eligibility](https://www.athena.com.au/target-market)
- [Fees & pricing](https://www.athena.com.au/our-loans)

## Data provenance

- Published by Athena Home Loans under the Consumer Data Right
- Product ID: `athena-straight-up`
- Last updated by the provider: 9 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/athena-home-loans/athena-straight-up
- Provider page: https://www.cdrcompare.au/brands/athena-home-loans

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/athena-home-loans/products/athena-straight-up) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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