Refer a mate to Athena and score

Chance to

WIN YOUR HOME LOAN FOR A YEAR

for them

$250

+

+

for you

$250

Your mates can help you
 pay down your home loan even more!

If you're an Athena customer, refer a friend and we'll pay you and your mate $250 each, when your friend settles. It's unlimited, so the more friends you refer, the more you can earn!


Have friends with multiple properties? Tell them to bring them all over to Athena. If they switch all of them at the same time, we'll pay $250 to you and your mate for every settled loan. Sweet.


But wait, there's more! We are giving you the chance to have your home loan paid by us for an entire year. From now until 3 March 2021, for every new approved application with your Refer-A-Mate code, you will receive an entry into the Ultimates Referral lottery. The more successful referrals, the more entries!

Benefits with friends

For your chance to have us pay your home loan for an entire year get your friends to include your unique Refer-A-Mate code in their application form. For every unconditionally approved application, you get one entry.


1 unconditionally approved application = 1 entry


The more you refer, the more entries you get, and there’s no limit to how many referrals you can make. So share your code with all your friends, family, colleagues, strangers. Get them to help pay down your loan. That’s what friends are for. Our lucky lottery winner will be announced on 5 March 2021.

WIN your home loan

paid for an entire year

How to play

Grab your
 code 

Check your email and SMS for your unique Refer-A-Mate code. 

Spread the love. Refer a mate

Tell your friends how good Athena is and share your code with them. There’s no limit to how many referrals you can make! Just remember they must be a new customer.

Your mate joins Athena 

They apply and include your code into their Athena application form. Your mate receives unconditional approval – you get an entry into the lottery. 

We thank
 you both

Once your mate settles, we’ll pop $250 into your Athena redraw accounts. Keep it in to pay down your loan faster, or take it out to have some fun.

FAQs

How do I find my unique Refer-A-Mate code?

Check your email and SMS for your code. Can’t find it? No worries! Send us an email or SMS and we’ll let you know.

If you’ve just settled your Athena home loan, we’ll email and SMS your code within 7 days from your settlement date.

Can I refer as many people as I want?

Yes, absolutely! If you are super popular (which you probably are), there are no limits on the number of customers you can refer to us. We’ll pay you and your friend the bonus after they settle but not for each customer if they take out a joint loan.

If your friend decides to move multiple properties to Athena in one go, we’ll pay you and your friend $250 each for every loan that settles.

What's an eligible referral?

An eligible referral is a new customer that has never settled an Athena loan before. They must submit an application with your Refer-A-Mate code and settle on an Athena loan. If they want to settle multiple loans with Athena, they must submit all loan applications on the same date for each loan to qualify for the Ultimates Referral bonus.

What's not an eligible referral?
  • The second person on a joint loan;
  • If you refer yourself (sneaky);
  • When you refer someone who has already been referred by you or anyone else; or is already an Athena customer at the time of the loan settling or has submitted an application; or
  • Where there are any discrepancies between the details of the friends you referred and the Athena customer that settled.
When do I get my Ultimates Referral bonus?

Your bonus will be paid directly into your Redraw account within 14 days of your friend’s settlement date. Once it’s there, it’s up to you what you do with it; transfer it or keep it in there and pay your loan down faster. For privacy reasons, we can’t disclose the status of your friend’s application but once they settle, we’ll get in touch!

I've run out of family and friends to refer. Can I refer a stranger?

Yes you can! The more the merrier! Here are some ways you can accelerate your chances to win the Ultimate lottery:

  • Share your code on social media – add it to your IG bio or share it on FB!
  • Share your code on forums where you think people will be interested (just make sure you don't break any forum rules)
  • Tattoo on your forehead – no just kidding!
I've referred friends but I didn't get a bonus?

Most of the time this means your friend didn't submit their loan application with your unique code. Unfortunately, we can only provide the bonus when new customers apply and settle with your unique Refer-A-Mate code.

I haven't received my Ultimates Referral bonus.

We'll pay the bonus directly into your Athena Redraw account within 14 days of your friend's settlement date

What if I leave Athena? Will my code still be valid?

Refer-A-Mate codes are only valid for customers who have at least one open settled Athena home loan.

How do I enter the lottery?

Share your unique Refer-A-Mate code with everyone! For every application that is submitted with your Refer-A-Mate code, you will receive one entry into the lottery. 5 applications submitted with your code = 5 entries.

If you have a friend that submits multiple applications for multiple properties on the same date, you will receive one entry per application.

What is an eligible entry?

An entry is eligible when a new customer submits an application with your Refer-A-Mate code. A new customer is someone who has never had an Athena home loan settle before. If they submit multiple applications with your code, you will receive one entry per application.

What is an ineligible entry?
  • If you refer yourself (sneaky);
  • When you refer someone who has already been referred by you or anyone else; or is already an Athena customer;
  • Your friend submits an application with your code and does not receive unconditional approval
Is this lottery only open to Athena customers?

Yes, only Athena customers with at least one open, settled Athena home loan are eligible to enter.

How will I know if I’ve won?

The winner will be announced on 5 March 2021. We will contact the winner on the day of the draw via email and phone. The winner’s name will be published online on this page from 5 March 2021.

TERMS AND CONDITIONS – ULTIMATES REFERRAL

Athena reserves the right to amend, suspend or terminate the Ultimates Referral program at any time without notice. We will honour any valid referrals sent to us before we do so. We will not honour any referrals that are deemed by us, in our absolute discretion, to be unreasonable, unlawful, at risk of requiring an Australian Credit Licence or for any other reason we believe are not in the spirit of the Athena Ultimates Referral program. All other Athena Terms & Conditions remain valid and binding on you, and are not superseded by these Ultimates Referral Offer Terms. Thank you for reading all that, our lawyer will be happy.


We may have to cancel an “Ultimates Referral” bonus payment because:

  • We believe any of your access methods are fraudulent, or are suspected of being used in a fraudulent way
  • Your conduct is in breach of the terms and conditions
  • We have closed your account
  • We believe the security or quality of Athena’s products or related services are threatened
  • You have unpaid charges on your account

We retain the absolute right to stop the Ultimates Referral program at any time and to change the conditions or incentive of the Program.


Conditions for Referrers (Existing Athena Customers)

You must have at least one open settled Athena home loan to participate in the Ultimates Referral program and have your Refer-A-Mate code remain valid.


A $250 bonus payment will be paid to the referrer when the person they refer submits an Athena home loan application with their Refer-A-Mate code and becomes an Athena customer when their loan settles. An additional $250 bonus will be paid for each additional loan application submitted at the time of the referral, so if the person you refer is a new customer, submits 3 loan applications at the time of referral and these loans all settle, you'll each receive a $750 bonus payment.


Conditions for Referees (Your Mate)

Referees must be new customers that have not settled an Athena home loan before. A $250 bonus payment will be paid to the referee when they submit an Athena home loan application with a Refer-A-Mate code and become an Athena customer when their loan settles. An additional $250 bonus will be paid for each additional loan application submitted at the time of the referral, so if you are a new customer, submit 3 loan applications at the time of referral and these loans all settle, you and your referrer will each receive a $750 bonus payment.


Refer-A-Mate Codes

Payment of referral bonuses associated with Refer-A-Mate codes will only be paid on settlement of the referee's (your mate's) Athena home loan and satisfaction of qualifying criteria as detailed above.


Refer-A-Mate codes may be cancelled at any time after they are issued, at our sole discretion. 


CONDITIONS OF ENTRY – THE ULTIMATE REFERRAL LOTTERY

The Ultimates Lottery competition opens at 10am AEST, 4 September 2020 and closes at 10am AEST, 3 March 2021. To enter, share your unique Refer-A-Mate code with your family and friends and refer them to Athena. Make sure they are a new customer and submit an Athena home loan application with your code. You will receive 1 eligible entry for each Athena home loan application that is submitted with your code and is unconditionally approved. Unlimited eligible entries can be made. Entry is open to all residents of Australia aged 18 years or over who hold an open Athena home loan which is not in arrears. The winner will have their minimum repayments for their Athena home loan paid by Athena for 12 months up to a total maximum value of $100,000. If the winning entry has multiple open Athena home loans, the home loan with the highest minimum repayments per month will be paid by Athena for 12 months. The winner will be drawn at 10am AEST, 5 March 2021 and notified by phone and email on the day. The winner’s name will be published on this page on 5 March 2021. See full terms and conditions here.   


Promoter is Athena Mortgage Pty Ltd, ABN 24 619 536 506.

Authorised under:  

NSW Authority No. TP/00257 

SA Licence No. T20/1027   

ACT Permit No. TP 20/01183 


Last modified 4 September 2020 

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