Our Dream Big 100% Offset Home Loan puts you in control. It combines a fully featured home loan with all the benefits of a transactional 100% offset account and lets you see at a glance what you owe and what you own because the offset balance is shown separately.

Loan purpose
  • Purchase or refinance of an owner occupied or investment property
  • Debt consolidation
  • Home equity loans for investment or personal purposes
  • Go-between bridging finance
  • Construction of a new residential property

Interest rates

Choice of a variable rate or a fixed rate for a 1 to 5 year term

100% Offset
  • 100% offset for variable and fixed rates including construction
  • Deposit salary directly into the offset and access funds via online banking, EFTPOS, ATMs and BPay.
  • Credit interest is not paid if the net balance is positive (that is if the offset balance exceeds the balance of the loan).

Loan terms

5 – 30 year terms.



Interest calculated

Interest is calculated daily on the net closing balance of the loan (that is the amount owed less the offset balance) and is charged monthly.

Loan to valuation ratio (LVR)
  • Up to 90%* Owner Occupied - Principal and Interest (including capitalised LMI)
  • Up to 90%* Investment - Principal and Interest
  • Up to 80%* Interest Only

* LVRs >80% are subject to Lenders Mortgage Insurance (LMI) approval. LMI can be added to the loan amount or paid by borrower.

Loan amounts

Minimum $10,000. No maximum, subject to LMI approval.

Repayment frequency
  • Weekly, fortnightly or monthly repayments (Principal and Interest)
  • Monthly repayments (Interest Only is available for up to 5 years)
  • Payments automatically debited from the offset balance.

Voluntary repayments
  • Variable rate: extra repayments may be made at any time without penalty
  • Fixed rate: up to $20,000 p.a. above minimum repayments may be made without penalty
  • No maximum deposit to offset balance.

Split loans

Available. Split your loan into more than one portion.  Additional fees apply per split.


Available, minimum redraw of $500.

Credit increases

Available whilst on a variable rate. Fees apply.

Rate conversion

Convert from a variable rate to a fixed rate at any time.  A loan variation fee may apply.

Application fee

Nil (waived).

Valuation fee

$330 *2.

Settlement fee


Loan processing fee

$150 for standard loans*1.

Solicitor documentation fee

At cost.

Monthly offset administration fee

$10 per month, only applies to loans with 100% offset

Fees: Additional information

*1. Additional fees apply for construction loans or additional splits. Other fees may be payable, details provided in mortgage documents.

*2. Valuation fee of $330 is payable per security on a standard property of up to $1m. Higher valuation fees apply for non-standard properties such as dual income, duplex and properties with value above $1m.

Disclaimer: This information is provided by DPN Pty Ltd ABN: 94 630 700 186, Australian Credit Licence 514759. DPN Finance Pty Ltd is an authorised credit representative 504129 and related entity of DPN. Credit for Dream Big Home Loan, Dream Big 100% Offset and Work Smart 100% Offset is provided by Adelaide Bank a division of Bendigo and Adelaide Bank Ltd, ABN 11 068 049 178 and Australian Credit Licence 237879. Credit eligibility criteria, terms and conditions, fees and charges apply. Information correct as at 30 August 2019 and is subject to change.