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Athena Tailored Self-Employed Lite Doc

Variable-rate home loan for self-employed borrowers using alternative income documentation (accountant letter, BAS statements, or business bank statements). Up to 80% LVR.

Home loansRates on applicationLender updated 9 Oct 2026
Apply at Athena Home Loans ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Pricing
Rates on application
Variable (owner occ. P&I)
6.99%, 7.05% comparison
Variable (investor P&I)
7.19%
Max LVR
80%
Features
offset, redraw, extra repayments

Rates

Every rate Athena Home Loans publishes for this home loan, 16 in all.

Variable rate by LVR

Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value

  1. ≤50%6.99%
  2. 50–60%7.04%
  3. 60–70%7.09%
  4. 70–80%7.14%
Variable rate for the band
TypeApplies toTermBandRateComparisonConditions
VariableInvestment, Interest only-≤50% LVR7.29%7.29%-
VariableInvestment, Interest only-50–60% LVR7.34%7.34%-
VariableInvestment, Interest only-60–70% LVR7.39%7.39%-
VariableInvestment, Interest only-70–80% LVR7.44%7.44%-
VariableInvestment, P&I-≤50% LVR7.19%7.25%-
VariableInvestment, P&I-50–60% LVR7.24%7.30%-
VariableInvestment, P&I-60–70% LVR7.29%7.35%-
VariableInvestment, P&I-70–80% LVR7.34%7.40%-
VariableOwner occupied, Interest only-≤50% LVR7.19%7.13%-
VariableOwner occupied, Interest only-50–60% LVR7.24%7.18%-
VariableOwner occupied, Interest only-60–70% LVR7.29%7.23%-
VariableOwner occupied, Interest only-70–80% LVR7.34%7.28%-
VariableOwner occupied, P&I-≤50% LVR6.99%7.05%-
VariableOwner occupied, P&I-50–60% LVR7.04%7.10%-
VariableOwner occupied, P&I-60–70% LVR7.09%7.15%-
VariableOwner occupied, P&I-70–80% LVR7.14%7.20%-

Rate changes

16 changes logged, newest first.

DateRateWasNowChange
13 Oct 2026Variable, Investment, Interest only, ≤50% LVR7.09%7.29%up 0.20
13 Oct 2026Variable, Investment, Interest only, 50–60% LVR7.14%7.34%up 0.20
13 Oct 2026Variable, Investment, Interest only, 60–70% LVR7.19%7.39%up 0.20
13 Oct 2026Variable, Investment, Interest only, 70–80% LVR7.24%7.44%up 0.20
13 Oct 2026Variable, Investment, P&I, ≤50% LVR6.99%7.19%up 0.20
13 Oct 2026Variable, Investment, P&I, 50–60% LVR7.04%7.24%up 0.20
13 Oct 2026Variable, Investment, P&I, 60–70% LVR7.09%7.29%up 0.20
13 Oct 2026Variable, Investment, P&I, 70–80% LVR7.14%7.34%up 0.20
13 Oct 2026Variable, Owner occupied, Interest only, ≤50% LVR6.99%7.19%up 0.20
13 Oct 2026Variable, Owner occupied, Interest only, 50–60% LVR7.04%7.24%up 0.20
13 Oct 2026Variable, Owner occupied, Interest only, 60–70% LVR7.09%7.29%up 0.20
13 Oct 2026Variable, Owner occupied, Interest only, 70–80% LVR7.14%7.34%up 0.20
13 Oct 2026Variable, Owner occupied, P&I, ≤50% LVR6.79%6.99%up 0.20
13 Oct 2026Variable, Owner occupied, P&I, 50–60% LVR6.84%7.04%up 0.20
13 Oct 2026Variable, Owner occupied, P&I, 60–70% LVR6.89%7.09%up 0.20
13 Oct 2026Variable, Owner occupied, P&I, 70–80% LVR6.94%7.14%up 0.20

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.

  1. When you take it outUp to $3303 fees, each listed below
  2. While you hold itVaries2 fees, each listed below
  3. When you close it or pay it off$599Discharge Fee

When you take it out3

  • Application Fee

    0.50% of loan amount, plus an additional 0.25% if loan amount is greater than $2,000,000

    0.50% of balance
  • Settlement Fee
    $330
  • Valuation Fee

    First $200 free, then charged at cost

    From $0

While you hold it2

  • Offset Account Fee
    No fee
  • Ongoing Fee
    No fee

When you make a transaction2

  • Redraw Fee
    No fee
  • Split Loan Fee
    No 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
  • Employment: Self-employed
  • Available to individuals
  • Amount $100,000 to $2,500,000
  • Maximum LVR 80%
  • Lending criteria and T&Cs apply

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.