finance

Work smarter, not harder

Designed for the self-employed or business owner. This has it all, with a simple application process, flexible features and a 100% offset.

Work Smart 100% Offset

5.78
%p.a.*
Variable rate

5.96
%p.a.^
Comparison rate

Owner occupied loans, principal and interest repayments, 70% maximum loan with no LMI

5.51
%p.a.*
Variable rate

5.69
%p.a.^
Comparison rate

Investment loans, principal and interest repayments, 70% maximum loan with no LMI


^ The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
* Credit eligibility criteria, term and conditions, fees and charges apply.

  • Dedicated Specialists

    Benefit from your own dedicated and experienced Finance Specialist to tailor your solution.

  • Fast and Easy

    Rely on our team for efficient service with fast approvals available on DPN loans.

  • Proactive reviews

    Unlike a bank, we proactively monitor your loans to ensure your solution remains competitive.

  • Complex Structures

    DPN's expertise in finance ensures your loans are structured correctly to meet your requirements.


  • Free redraw

    Online redraw of $500 or more at no cost when you have made additional repayments.

  • Bridging finance

    Our bridging loans include lots of options, to help you when building or buying your new home.

  • Construction loans

    Access construction loans with maximum flexibility including 100% offset, fixed rates and interest only.

  • 100% Offset

    Reduce the interest payable by depositing your salary into the offset account.


  • Interest Only

    Access interest only rates for up to five years, which can provide lower repayments and financial flexibility. Different rates and conditions apply.

  • Flexible repayments

    Loan repayments can be made weekly, fortnightly or monthly to match your salary payments.

  • Fixed rate flexibility

    Access fixed rates for up to five years with the choice of additional payments and redraw. Different rates and conditions apply.

  • Easy access

    Access your funds easily via internet banking and a large ATM network with no ATM fees.


See Work Smart 100% Offset - Fact Sheet


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Enjoy your very own finance expert

Whether you need a loan, refinance or your situation is more complex, we'll tailor a solution for you with competitive rates and the correct structure to save you money.

  • Karen Shirtliff
    November, 2017
    Our annual review ensures we are still progressing and with Warren constantly checking our finance options, we know we are being looked after and can look forward to a secure retirement.

  • Pete Godden
    October, 2017
    Everything was so thoroughly explained, nothing was too much trouble. Could not have asked for an easier or smoother transaction and would happily recommend Eva and DPN.

  • Yasha R
    November, 2017
    Excellent service from Eva Loisance. She was able to get me a fantastic loan. Followed up all my emails and phone calls. Eva was able to take all the hassle out of getting a loan. Highly recommend.

Awards & Recognition