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Athena is a home loan lender that's trying to think about home loans differently it's doing this by offering a few new different features designed to get you to pay off your home loan but is this home loan a good option for you we break down what you need to know Athena's variable rate home loan has one of the lowest interest rates on the Australian market rates differ for investors so check our review page for more information if Venus home loans are only available at the moment if you're refinancing and you're wanting to switch but that's for the moment things will change a bit later down the track like most home loans you'll need a 20% deposit unlike most lenders Athena promises you will have its best current rate automatically so if it offers an enticing rates and new customers with a similar home loan to yours your rate will be reduced automatically that's a pretty big deal so what are the costs there's no application on going or exit fees pros and cons they have a very low interest rate plus if new customers get offered a lower rate for a similar loan you'll get it automatically it has options for interest only repayments options for investors and a mobile friendly online service so what are the cons at the moment Athena is only available for people who are refinancing you'll need a 20% deposit and there are no branches but they do offer phone support so who does this suit this one suits home owners or investors who already have a mortgage and want to switch to a cheaper more convenient mortgage it's not for new borrowers or first home buyers being a digital innovator with no physical service centers means this is really aimed at tech-savvy people who don't need a face to face financial conversation some people are worried about small new lenders on the market you know in comparison to you know what they see are the big reliable banks but the truth is they're the one taking the risk they have to trust you to pay the money back plus all mortgage lenders have to comply by Australian financial regulations so if you're in the market for changing home lenders or refinance thing check out the review below for more details [Music]