Enter the Refer-a-Mate code below before you submit your Athena home loan application. For loans settling at $350,000 or above the bonus is $1,000, paid into your offset or redraw account within 30 days of settlement. Under $350,000 it’s $250.
Free to use, for any new Athena customer. Read Athena’s Ultimate$ Refer-a-Mate terms →
How it works
Start your home loan application at athena.com.au as you normally would. You need to be a new customer who hasn’t settled an Athena home loan before.
Towards the end of the application you’ll be asked for an “Ultimate$” Refer-a-Mate referral code. Paste it in before you submit — codes can’t be added afterwards.
Athena pays the bonus into your redraw or offset account within 30 days of your loan’s settlement date. $1,000 if the loan settles at $350,000 or above, $250 if below.
Questions
Yes. ATH-41817 is a current Ultimate$ Refer-a-Mate code, and using it qualifies you for the bonus once your loan settles.
We re-check the code and the amounts against Athena’s published terms and update this page. Plenty of other sites still quote a flat $250, expired promotions, or stale rates.
It depends on the size of the loan when it settles:
That amount is paid to each eligible party, so we receive the same as you do. If you’re referring yourself — an existing Athena customer bringing another property across, or a past customer returning after selling — the amounts double to $2,000 and $500.
Yes. Athena’s terms require the referred person to be a new customer who hasn’t settled an Athena home loan before.
Self-referrals are handled separately and specifically exclude topping up an existing loan, splitting a loan on the same property, and previous customers who refinanced away and are now coming back.
Within 30 days of your loan’s settlement date, paid straight into your Athena redraw or offset account. There’s nothing to claim — it arrives on its own.
Yes. Athena is very clear about this in the rules for the Refer-a-Mate program — the code can be shared with anyone, any way we like.
So congratulations, stranger. This is 100% legit.
Athena’s published terms don’t restrict the Ultimate$ program by loan type — they refer to Athena home loan applications generally, with no carve-out for investment, interest-only, owner-occupier, refinancing or purchase.
The conditions that do matter are the ones above: a new customer, the code entered before submission, and the loan actually settling. If your situation is unusual, check with Athena before you submit.
The referral code has to go in during the application — it can’t be added after your loan has settled. If you’re mid-application, keep this page open, or copy the code now and paste it somewhere safe.
An Athena customer sharing their own referral code. This site isn’t operated by, endorsed by, or affiliated with Athena Home Loans. If the bonus is paid, we receive the same amount you do — that is how Refer-a-Mate works, for both sides. Athena sets no limit on how many people can be referred, so using this code doesn’t take anything away from anyone else.
Nothing here is financial advice. Athena’s published terms, their approval decision, and their right to amend, suspend or terminate the program at any time are what actually govern the payment.