Our Dream Big Home loan provides homeowners and investors with competitive rates and access to a range of great features including flexible repayment options and free online redraw. 

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

Loan: choice of a variable rate or a fixed rate for a 1 to 5 year term

Application fee

Nil, save $200

Valuation fee

Nil, save $300

Settlement fee

Nil, save $200

Loan processing fee

Nil, save $150

Documentation fee

$330 inclusive of GST plus disbursements.

Monthly administration fee


Loan amounts

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

Loan terms

5 – 30 year terms.



Interest calculated

Interest is calculated daily on the closing balance of the loan 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.

Repayment frequency
  • Weekly, fortnightly or monthly repayments (Principal and Interest)
  • Monthly repayments (Interest Only is available for up to 5 years)

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

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.

Disclaimer: This information is provided by ©Denuo Pty Ltd trading as Direct Property Network (DPN) ABN: 44 023 361 281, Australian Credit Licence 383530. 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 13 August 2018 and is subject to change.