---
title: "Athena Tailored 80-85% LVR No LMI (Full Doc) — 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-tailored-80-85-no-lmi
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-24T23:18:10.427Z
---

# Athena Tailored 80-85% LVR No LMI (Full Doc) — 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 · Negotiable rates**

Full-documentation home loan at 80-85% LVR with no Lenders Mortgage Insurance. Available to PAYG and self-employed borrowers in stronger financial positions.

## At a glance

- **From (owner occupied):** 6.84% (6.89% 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 | 6.84% | 6.89% | LVR ≤85%; Loan ≤$2m |
| Variable | 7.04% | 7.09% | LVR ≤85%; Loan >$2m |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.09% | 7% | LVR ≤85%; Loan ≤$2m |
| Variable | 7.29% | 7.2% | LVR ≤85%; Loan >$2m |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.19% | 7.24% | LVR ≤85%; Loan ≤$2m |
| Variable | 7.39% | 7.44% | LVR ≤85%; Loan >$2m |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.34% | 7.31% | LVR ≤85%; Loan ≤$2m |
| Variable | 7.54% | 7.51% | LVR ≤85%; Loan >$2m |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee | Upfront | $395.00 |
| Valuation Fee — First $200 free, then charged at cost | Upfront | From $0.00 |
| Settlement Fee | Upfront | $330.00 |
| Offset Account Fee | Ongoing | $0.00 |
| Split Loan Fee | Transaction | $0.00 |
| Discharge Fee | Exit | $599.00 |
| Ongoing Fee | Ongoing | $0.00 |
| Redraw Fee | Transaction | $0.00 |

## Features

- **Digital banking** (Online and mobile account management)
- **Redraw facility** (Free redraw facility)
- **Offset account** (100% multi-offset across up to 10 linked sub-accounts)
- **Extra repayments** (Unlimited extra repayments)

## 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)
- **Minimum LVR** — 80% (Minimum LVR 80%)
- **Maximum LVR** — 85% (Maximum LVR 85%)

## 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-tailored-80-85-no-lmi`
- Last updated by the provider: 24 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/athena-home-loans/athena-tailored-80-85-no-lmi
- Provider page: https://www.cdrcompare.au/brands/athena-home-loans

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/athena-home-loans/products/athena-tailored-80-85-no-lmi) — 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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