Home loan · Variable
Athena Straight Up
6.60%comparison rate p.a. · 6.64% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
61st of 91 variable owner-occupier P&I loans
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Variable · P&I · Owner-occupier · ≤50% LVR
- 6.49% comparison · 6.49% advertised
- Variable · P&I · Owner-occupier · 50–60% LVR
- 6.52% comparison · 6.54% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.56% comparison · 6.59% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.60% comparison · 6.64% advertised
- Variable · Interest Only · Owner-occupier · ≤50% LVR
- 6.60% comparison · 6.74% advertised
- Variable · Interest Only · Owner-occupier · 50–60% LVR
- 6.61% comparison · 6.74% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 6.63% comparison · 6.74% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.65% comparison · 6.74% advertised
- Variable · P&I · Investor · ≤50% LVR
- 6.59% comparison · 6.59% advertised
- Variable · P&I · Investor · 50–60% LVR
- 6.62% comparison · 6.64% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.66% comparison · 6.69% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.73% comparison · 6.79% advertised
- Variable · Interest Only · Investor · ≤50% LVR
- 6.68% comparison · 6.79% advertised
- Variable · Interest Only · Investor · 50–60% LVR
- 6.69% comparison · 6.79% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.73% comparison · 6.84% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.79% comparison · 6.89% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Valuation fee
- None
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $100,000
- Maximum loan
- $3,000,000
- Athena Straight Up · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- Athena Straight Up16 variants up 0.2514 days after the RBA rise to 4.60%+0.25All Variable
P&I · Owner-occupier · ≤50% LVR 6.24 6.49 +0.25 P&I · Owner-occupier · 50–60% LVR 6.27 6.52 +0.25 P&I · Owner-occupier · 60–70% LVR 6.31 6.56 +0.25 P&I · Owner-occupier · 70–80% LVR 6.35 6.60 +0.25 Interest Only · Owner-occupier · ≤50% LVR 6.35 6.60 +0.25 Interest Only · Owner-occupier · 50–60% LVR 6.36 6.61 +0.25 Interest Only · Owner-occupier · 60–70% LVR 6.38 6.63 +0.25 Interest Only · Owner-occupier · 70–80% LVR 6.40 6.65 +0.25 P&I · Investor · ≤50% LVR 6.34 6.59 +0.25 P&I · Investor · 50–60% LVR 6.37 6.62 +0.25 P&I · Investor · 60–70% LVR 6.41 6.66 +0.25 P&I · Investor · 70–80% LVR 6.48 6.73 +0.25 Interest Only · Investor · ≤50% LVR 6.43 6.68 +0.25 Interest Only · Investor · 50–60% LVR 6.44 6.69 +0.25 Interest Only · Investor · 60–70% LVR 6.48 6.73 +0.25 Interest Only · Investor · 70–80% LVR 6.54 6.79 +0.25
Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.
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.
Also from Athena Home Loans: Athena Fixed 6.56% · Athena Power Up 6.75%
As of 15 October 2026, the Athena Home Loans Athena Straight Up's variable owner-occupier P&I variant has a comparison rate of 6.60% (6.64% advertised), ranking 61st of 91 variable owner-occupier P&I loans and sitting 0.06 points above the market average of 6.54%. The product comes in 16 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 14 October 2026, 14 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.