Updated September 28, 2026 · SumCue Editorial Team
Athena Home Loans vs Baufi24
Athena Home Loans
Higher score in this comparison
Baufi24
Athena Home Loans vs Baufi24: the differences
| Compare | Athena Home LoansReviewSee alternativesSee alternatives | Baufi24ReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 6.24% to 6.39% | 4% to 4.5%Lower |
| Loan amount | A$10,000 to A$2,000,000 | €1,000 to €100,000 |
| Term | 300 monthsHigher | 12 to 180 months |
| Arrangement fee | AUD 0 - no application, valuation, ongoing, monthly or exit fees on Straight Up and Power Up | 0 EUR |
| Funding time | 15 mins to apply online, with fast pre-approval | Financing confirmations preferably within 24 hours |
| Representative example | Comparison rate based on a $150,000 secured loan over a 25 year term | Property loan example: net loan amount 300,000 EUR, 2% repayment, 90% loan-to-value, Sollzins 4.38% with 10-year fixed Zinsbindung |
| Rate type | Variable | Fixed |
| Lender type | Direct lender | Broker |
| Loan types | Secured, Bridging, Debt consolidation | Secured, Personal, Car, Debt consolidation |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Home owners and investors, including self-employed; all loans subject to Athena's eligibility and lending criteria | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Soft prequal).
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Key differences
- Athena Home Loans scores higher overall: 9.3 vs 9.0.
- Founded is lower at Baufi24: 2008 vs 2019.
- APR is lower at Baufi24: 4% to 4.5% vs 6.24% to 6.39%.
- Term is higher at Athena Home Loans: 300 months vs 12 to 180 months.
- Support channels: only Athena Home Loans offers Chat.
- Loan types: only Athena Home Loans offers Bridging.
- Loan types: only Baufi24 offers Personal, Car.
Our verdict on each
Athena Home Loans
Athena Home Loans suits Australian owner-occupiers and investors who want a fee-free home loan from a direct lender. It offers a variable rate of 6.24% with fees of AUD 0 on Straight Up, though the fixed period runs 1 to 3 only.
Baufi24
Baufi24 lends for property purchases, remortgages and buy-to-let at a fixed rate, and both the origination fee and the product fee are €0, so it suits German borrowers who want a predictable bill. A fixed period of 10 years and lending to 90% loan to value make it a steady option.
Score breakdown
| Area | Athena Home Loans | Baufi24 |
|---|---|---|
| Cost | 9.3HigherStraight Up and Power Up carry fees of AUD 0, with no application, valuation, ongoing, monthly or exit fees. | 8.9Origination and product fees are both €0, with the initial rate at 4.38% and lending up to 90% loan to value. |
| Offer | 9.9HigherVariable rate of 6.24%, free early repayment, and applications that take 15 mins to apply online, with fast pre-approval. | 9.4A fixed rate held for 10 years, purchase, remortgage and buy to let covered, and a soft prequal credit check on applications. |
| Trust | 8.8 | 8.9Higher |
Pick Athena Home Loans if, pick Baufi24 if
Pick Athena Home Loans if cost, offer, and term matter most.
Pick Baufi24 if apr matter most.
A third option
State Bank of Mauritius has term at up to 360 months, against 300 months for Athena Home Loans and 12 to 180 months for Baufi24.
State Bank of Mauritius reviewSources behind this comparison
Athena Home Loans
- athena.com.au: 18 facts, checked September 26, 2026
Baufi24
- baufi24.de: 16 facts, checked September 26, 2026
How they place
| Ranking | Athena Home Loans | Baufi24 |
|---|---|---|
| Loans | 293 of 2043 | 613 of 2043 |
| Mortgages | 117 of 853 | 272 of 853 |
Every fact side by side
| Fact | Athena Home Loans | Baufi24 |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | Athena Mortgage Pty Ltd | Bilthouse Service GmbH |
| Headquarters | Australia | Germany |
| Founded | 2019 | 2008Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Mortgages
| Fact | Athena Home Loans | Baufi24 |
|---|---|---|
| Initial rate | 6.24% | 4.38%Lower |
| APRC | 6.24% | Not confirmed |
| Fixed period | 1 to 3 years | 10 yearsHigher |
| Maximum loan to value | 85% | 90%Higher |
| Product fee | A$0 | €0 |
| Purpose | Purchase, Remortgage, First time buyer, Buy to letCovers more | Purchase, Remortgage, Buy to let |
Where each stands against the rest
| Fact | Athena Home Loans | Baufi24 | Median |
|---|---|---|---|
| APR | 6.24% to 6.39%below the median | 4% to 4.5%lowest quarter | 9.99 |
| Term | 300 monthshighest quarter | 12 to 180 monthshighest quarter | 60 months |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
Athena Home Loans
Pros
- Straight Up and Power Up carry fees of AUD 0, with no application, valuation, ongoing, monthly or exit fees
- Free early repayment, so you can pay the home loan off ahead of schedule without a charge
- Variable rate of 6.24% with a 1 to 3 fixed period available
Cons
- The fixed period runs 1 to 3, short against a site median of 10 years for the wider market
- Maximum loan to value is 85%, below the 90% seen across lenders on the site
- Purpose covers purchase, remortgage, first-time-buyer and buy-to-let, with no split or construction option listed
Baufi24
Pros
- The origination fee is 0 EUR and the product fee is €0, so setting the loan up costs nothing on the listed terms.
- A fixed period of 10 years matches 10, the most common length on our data.
- The credit check is soft prequal, so an early rate check rests on a soft prequalification rather than a full credit search.
Cons
- The initial rate of 4.38% ranks 144 of 316, so cheaper headline offers exist on the market.
- Baufi24 is a broker, so the lender comes from its partner panel rather than being named up front by you.
- The consumer loan side runs amounts of €1,000 to €100,000 and terms of 12 to 180 months, which suits smaller borrowing rather than property finance.
Who each suits
Athena Home Loans
Who it suits
- Home owners and investors in Australia, including self-employed applicants
- Buyers who want fees of AUD 0 and no exit fee on Straight Up and Power Up
- Self-employed applicants who can meet Athena's eligibility and lending criteria
Who should look elsewhere
- Borrowers wanting a long fixed period, since the fixed period runs 1 to 3
- Buyers needing a maximum loan to value above 85%, where Creduma ES may be worth checking
- Anyone looking for a credit check free prequalification, since credit checks here are soft prequal
Baufi24
Who it suits
- German buyers with a deposit in place, since lending stops at 90% loan to value.
- Borrowers who want a level payment, since fixed pricing holds for 10 years.
- Landlords and existing owners, as the property side covers purchase, remortgage and buy to let.
Who should look elsewhere
- Creditilia ES, quoted at 4%, if the rate alone decides your choice.
- Prestalo, listed at 2.36%, for anyone shopping purely on the lowest headline number.
- Sofkredit, whose initial rates run 8% to 14%, sits far above the fixed rate here and serves a different market.
Country by country
| Country | Athena Home Loans | Baufi24 |
|---|---|---|
| Australia | Yes | No |
| Germany | No | Yes |
Questions about each
Athena Home Loans
What does Athena Home Loans charge in fees?+
Straight Up and Power Up carry fees of AUD 0, with no application, valuation, ongoing, monthly or exit fees. Early repayment is free, so paying the home loan off early adds no charge. The legal entity behind the loans is Athena Mortgage Pty Ltd.
What rate does Athena Home Loans offer?+
Athena Home Loans is a variable rate lender, and the advertised initial rate is 6.24%. Comparison rates on Straight Up start at 6.24%, and the representative example is based on a secured loan over a longer term.
Baufi24
What rate does Baufi24 offer on property lending?+
Pricing is fixed, with an initial rate of 4.38% and an overall range of 4% to 4.5%. The rate is held for 10 years, so your payment stays level through the fixed stretch before it is reset.
What fees does Baufi24 charge?+
The origination fee is 0 EUR and the product fee is €0, so the listed charges on the property product are nil. That leaves the interest and the loan itself as the things to compare, with no setup charge to add to your budget.
Other options to compare
Athena Home Loans
Baufi24