– Dream Loan Express Home Loan


Get a competitive loan rate with one of’s most popular loans.

The Dream Loan Express home loan is for refinancing and purchasing purposes. The product also charges no application fees and no annual or ongoing service fees, saving considerable money over the long term. The product also comes with a 100% offset account facility where you can deposit additional funds to reduce your loan interest.

The waiver of the loan application fee is only in effect for a limited time, so apply now to save money on the home loan that can make your dreams comes true. This variable loan is available for residential property purchases and refinance purposes.

Things to consider about this loan

This loan is available for refinancers - it is not available as a construction loan.

Features of this loan

  • Competitive interest rate. Dream Loan Express gives you many money saving advantages. It offers you competitive rates with, $0 annual fees and application fees.
  • Loan to value ratio (LVR). Ability of borrowers to apply for up to of a property's value.
  • Loan amount. You may borrow a maximum loan amount of up to .
  • Interest-only repayments. Principal and interest, or interest-only available with Interest-only available up to 10 years​​ on variable loans.
  • Flexible repayment options. Free Bpay, direct credit and debit transactions with your option of weekly, fortnightly and monthly repayments.
  • Split loan option. Up to free account splits on your loan.
  • Visa debit card. Borrowers can take advantage of 5 free transactions every month using CueCard and Westpac ATMs. You are provided with Visa debit card protection. Your card will be given Verified by Visa protection and in addition it is connected to the redraw offset established for you.
  • 100% offset account. Borrowers can also take advantage of an unlimited number of free online transactions and free redraws from their 100% offset account. As a borrower, you may access your loan plan online and manage everything with just the click of a mouse button. This access is available to you 24 hours a day, 7 days a week. Your access gives you the ability to manage your bill payments and redraws, your statements and loan transactions.


Fees you can avoid

  • application
  • annual fees

Fees you can’t avoid

  • Settlement fee:
  • Valuation fee: . This covers the lender's 3rd party costs. The lender will have to have the value of your property appraised before they can use the property as a security to lend against.
  • Discharge fee: . This fee covers the administrative costs of preparing your loan discharge documents. Although say that there is no exit fee with this loan, when you pay out loan it will still be considered a discharge and the relevant fee will apply.

How to apply

If you think the Dream Loan Express is for you, then clicking ‘enquire’ will safely redirect you to the homepage of Pre-qualification for a loan is a simple process with the completion of the simple pre-qualify form. On the form you can stipulate the best time to contact you and a mortgage representative will provide you with anymore information that you need. Additional contact options include direct phone calls, Skype communications and online chat sessions.

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24 Responses

  1. Default Gravatar
    PhilOctober 10, 2013

    Do you have to pay the $220 valuation fee at time of application?
    Also if the loan is not approved is this charge still payable?

    • finder Customer Care
      MarcOctober 11, 2013Staff

      Hi Phil,
      thanks for the question.

      The valuation fee is charged at application at the application stage or at the presentation of a contract of sale. If the valuation has been completed it’s non-refundable.

      I hope this helps,

  2. Default Gravatar
    MarieSeptember 26, 2013

    If I need to lodge a cheque where can I do an over the counter transaction.

    • finder Customer Care
      MarcSeptember 27, 2013Staff

      Hello Marie,
      thanks for the question.

      This can be done at any Westpac of Bank of Melbourne branch.


  3. Default Gravatar
    MichelleSeptember 26, 2013

    Hi, we have just signed a contract to purchase an old shop (zoned residential 1). The property is just the ‘shell’ of the shop. Purchase price is $180,000-. we want to borrow 70% ($126,000-) & have 100% off set and redraw capability. we will be renovating the shop into a two bedroom apartment – using our own funds for the work. Could your Dream Loan Express loan be used for this?? If not, do you have another product that would suit our needs? Pls advise of rates & fees. thanks Michelle

    • finder Customer Care
      MarcSeptember 27, 2013Staff

      Hello Michelle,
      thanks for the question. currently do not offer construction loans, which it sounds as though you may need for this type of serious renovation work. You may be able to refinance to this loan once work is completed, but it’s best to speak to Loans directly to find out the steps involved in this.

      You may also be interested in the loans on this page.


  4. Default Gravatar
    JoeySeptember 9, 2013

    I have a few questions:

    1. I have just purchased my first home – are you able to also facilitate the first home owners grant at settlement similar to the big 4 banks?

    2. I am interested in an interest only option for 5 – 10 years, does the repayments revert to P&I repayments upon expiry of the interest only period?

    3. I read that there is a $300 exit fee that applies; hasn’t this fee been made illegal as the legislation pertaining to bank loan exit fees was amended two years ago?

    Many thanks!

    • finder Customer Care
      MarcSeptember 10, 2013Staff

      Hello Joey,
      thanks for the questions. does lodge your first home owner grant on your behalf so it’s available for you at settlement time.

      2.Once the interest only period expires your loan will revert to principal and interest payments.

      3.The ban on exit fees applies to fees charged for leaving a loan early (within the first four years). Discharge fees are charged by all lenders in the normal course of terminating a loan, refinancing or selling the security used for the loan.

      I hope this helps,

  5. Default Gravatar
    RizviSeptember 3, 2013

    Is there any Islamic home finance available in NSW? If yes, who are they?

    • finder Customer Care
      MarcSeptember 3, 2013Staff

      Hello Rizvi,
      thanks for your question.

      There are a number of mortgage brokers and lenders who may be able to help you.

      I have sent you an email to help you with your request.


  6. Default Gravatar
    trevorAugust 14, 2013

    The loan details say minimum of 10 years. I would be looking at around 115,000 but would like to pay out in approx 5 years. Can this be done

    • finder Customer Care
      ShirleyAugust 15, 2013Staff

      Hi Trevor,

      Thanks for your question.

      Please direct this enquiry straight to as they would be able to assess your financial situation.


  7. Default Gravatar
    graemeJuly 28, 2013

    Hi do they offer a fixed rate for 5 or 10 years thanks graeme

    • finder Customer Care
      ShirleyJuly 29, 2013Staff

      Hi Graeme,

      Thanks for your comment.

      At the moment is only offering a fixed period of three years.

      Hope this helps,

  8. Default Gravatar
    KevinJuly 12, 2013

    Can you make weekly or fortnightly repayments on this loan, and who is the funder? Is it a major bank supplying the funds?

    • finder Customer Care
      JacobJuly 12, 2013Staff

      Hi Kevin. Thanks for your question. You can make either weekly, fortnightly or monthly repayments. Whatever suits you best. is a non bank lender, funded by our parent company Firstmac. Firstmac has been around for over 30 years and is Australia’s largest privately owned non bank lender. Jacob.

  9. Default Gravatar
    June 29, 2013

    Please advise the weekly repayments on a refinance loan of $236,000

  10. Default Gravatar
    gregJune 23, 2013

    which bank provides the finance for your loan

    • finder Customer Care
      ShirleyJune 23, 2013Staff

      Hi Greg,

      Thanks for your comment. is the online brand of Firstmac. Here are their details: ACN 094 145 963 ACL 290600.

      Hope this helps,

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