Athena Home LoansAthena Tailored 80-85% LVR No LMI (Full Doc)
Variable-rate home loan at 80-85% LVR with no Lenders Mortgage Insurance.
At a glance
- Pricing
- Rates on application
- Variable (owner occ. P&I)
- 6.99%, 7.05% comparison
- Variable (investor P&I)
- 7.24%
- Max LVR
- 85%
- Features
- offset, redraw, extra repayments
Rates
Every rate Athena Home Loans publishes for this home loan, 8 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | 80–85% LVR, up to $2,000,000 | 7.39% | 7.36% | - |
| Variable | Investment, Interest only | - | 80–85% LVR, $2,000,001+ | 7.59% | 7.56% | - |
| Variable | Investment, P&I | - | 80–85% LVR, up to $2,000,000 | 7.24% | 7.30% | - |
| Variable | Investment, P&I | - | 80–85% LVR, $2,000,001+ | 7.44% | 7.50% | - |
| Variable | Owner occupied, Interest only | - | 80–85% LVR, up to $2,000,000 | 7.24% | 7.16% | - |
| Variable | Owner occupied, Interest only | - | 80–85% LVR, $2,000,001+ | 7.44% | 7.36% | - |
| Variable | Owner occupied, P&I | - | 80–85% LVR, up to $2,000,000 | 6.99% | 7.05% | - |
| Variable | Owner occupied, P&I | - | 80–85% LVR, $2,000,001+ | 7.19% | 7.25% | - |
Rate changes
8 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 13 Oct 2026 | Variable, Investment, Interest only, 80–85% LVR, up to $2,000,000 | 7.34% | 7.39% | up 0.05 |
| 13 Oct 2026 | Variable, Investment, Interest only, 80–85% LVR, $2,000,001+ | 7.54% | 7.59% | up 0.05 |
| 13 Oct 2026 | Variable, Investment, P&I, 80–85% LVR, up to $2,000,000 | 7.19% | 7.24% | up 0.05 |
| 13 Oct 2026 | Variable, Investment, P&I, 80–85% LVR, $2,000,001+ | 7.39% | 7.44% | up 0.05 |
| 13 Oct 2026 | Variable, Owner occupied, Interest only, 80–85% LVR, up to $2,000,000 | 7.09% | 7.24% | up 0.15 |
| 13 Oct 2026 | Variable, Owner occupied, Interest only, 80–85% LVR, $2,000,001+ | 7.29% | 7.44% | up 0.15 |
| 13 Oct 2026 | Variable, Owner occupied, P&I, 80–85% LVR, up to $2,000,000 | 6.84% | 6.99% | up 0.15 |
| 13 Oct 2026 | Variable, Owner occupied, P&I, 80–85% LVR, $2,000,001+ | 7.04% | 7.19% | up 0.15 |
Each change is logged the night it appears in the rates Athena Home Loans publishes. See how every lender answered the RBA on the rate tracker.
Fees
8 fees published, grouped by when they're charged.
- When you take it outUp to $3953 fees, each listed below
- While you hold itVaries2 fees, each listed below
- When you close it or pay it off$599Discharge Fee
When you take it out3
- Application Fee$395
- Settlement Fee$330
- Valuation Fee
First $200 free, then charged at cost
From $0
While you hold it2
- Offset Account FeeNo fee
- Ongoing FeeNo fee
When you make a transaction2
- Redraw FeeNo fee
- Split Loan FeeNo fee
When you close it or pay it off1
- Discharge Fee$599
Features
Offset accountRedrawExtra repaymentsDigital banking
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or permanent resident
- Available to individuals
- Amount $100,000 to $3,000,000
- Maximum LVR 85%
- Lending criteria and T&Cs apply
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Published by Athena Home Loans under the Consumer Data Right, last changed by them on 9 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.