Shared by FrugalFrank
Life's too short for a long home loan.Pop my code ATH-44580 in your home loan application and as a friend of mine, they'll give us both a $1000 bonus.
Verified 4 Oct 2026
Recently confirmed
Athena Home Loans referral codes
- Category
- Banking
- Last verified
- 04/10/2026
Eligible new Athena borrowers and their referrers each receive A$1,000 for loans settling at A$350,000 or more, or A$250 below. Enter an Ultimate$ code before submitting your home loan application.
Approved referral codes
Offer details
How the referral works
Get a valid Ultimate$ code from an Athena customer with an open settled loan. Enter it in your Athena home loan application before submitting; it cannot be added afterwards. Complete Athena's lending assessment and settle the eligible loan. Each eligible party receives A$1,000 for a loan settling at A$350,000 or more, or A$250 below that amount, in their Athena redraw or offset account within 30 days of settlement.
Reward summary
New customer and referrer: A$1,000 each for loans settling at A$350,000 or more; A$250 each below A$350,000. Paid within 30 days of settlement. Eligible self-referrals receive A$2,000 or A$500 respectively.
Terms summary
The referred borrower must never have settled an Athena loan, and the referrer must hold a valid Ultimate$ code and an open settled Athena loan. Enter the code before application submission; retrospective additions and duplicate referrals do not qualify. The loan must settle. Rewards are per loan, not per joint borrower, and paid into Athena redraw or offset accounts within 30 days. Eligible self-referrals use your own code for an additional property or a return after sale or early payout, with applications from 15 June 2026. Top-ups, changes or splits on the same property and returns after refinancing away are excluded. Athena may cancel bonuses for fraud, breaches, closed accounts or arrears, and may change or end the program. No fixed expiry is published; confirm eligibility and any combination with other offers with Athena.
How the referral works
Get a valid Ultimate$ code from an Athena customer with an open settled loan. Enter it in your Athena home loan application before submitting; it cannot be added afterwards. Complete Athena's lending assessment and settle the eligible loan. Each eligible party receives A$1,000 for a loan settling at A$350,000 or more, or A$250 below that amount, in their Athena redraw or offset account within 30 days of settlement.
Reward summary
New customer and referrer: A$1,000 each for loans settling at A$350,000 or more; A$250 each below A$350,000. Paid within 30 days of settlement. Eligible self-referrals receive A$2,000 or A$500 respectively.
Terms summary
The referred borrower must never have settled an Athena loan, and the referrer must hold a valid Ultimate$ code and an open settled Athena loan. Enter the code before application submission; retrospective additions and duplicate referrals do not qualify. The loan must settle. Rewards are per loan, not per joint borrower, and paid into Athena redraw or offset accounts within 30 days. Eligible self-referrals use your own code for an additional property or a return after sale or early payout, with applications from 15 June 2026. Top-ups, changes or splits on the same property and returns after refinancing away are excluded. Athena may cancel bonuses for fraud, breaches, closed accounts or arrears, and may change or end the program. No fixed expiry is published; confirm eligibility and any combination with other offers with Athena.
Verified against Athena's official Ultimate$ referral page on 4 October 2026 (terms last modified 16 June 2026). All amounts are Australian dollars. Loan approval and referral eligibility are determined by Athena. Compare the loan's rates, fees and features as well as the bonus before applying. ReferralMate provides general information, not personal financial advice.
Official referral termsAthena Home Loans referral code FAQ
For an eligible loan settling at A$350,000 or more, the new borrower and referrer each receive A$1,000. Below A$350,000, each receives A$250. The threshold uses the settled loan amount. A joint loan earns one borrower bonus, not a separate bonus for each co-borrower.
Enter a valid Ultimate$ code in your Athena home loan application before submitting it. Athena does not allow codes to be added once the application is submitted or under assessment. Ask Athena before submitting if you cannot find the code field.
The referred borrower must be a new customer who has never settled an Athena home loan, apply with the code and settle the eligible loan. The referrer must have an open settled Athena home loan and a valid Ultimate$ code. Existing customers, duplicate referrals and applications already submitted do not qualify for refer-a-mate.
Athena pays each eligible party into their Athena redraw or offset account within 30 days of settlement. Applying or receiving approval alone does not earn the bonus. Contact Athena if an eligible payment has not arrived after that period; it cannot disclose another customer's application progress.
Eligible self-referrals pay A$2,000 for loans settling at A$350,000 or more, or A$500 below. Use your own Ultimate$ code before submitting an application from 15 June 2026. This covers existing customers bringing another property and eligible returns after a property sale or early payout. Top-ups, loan changes, splits on the same property and returning after refinancing away do not qualify. Ask Athena to confirm your circumstances.
Find your Ultimate$ code in the Athena app or the email and SMS sent after settlement. Athena says new borrowers receive it within seven days of settlement. Customers with an open settled loan can refer strangers and share codes on social media or forums, subject to the forum rules and Athena's terms. There is no referral-number cap, but Athena can cancel codes or bonuses for breaches, fraud or arrears.
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