Kimsor Pan | DPM Lending Referral

DPM Lending

A personal introduction. A helpful next step.

Your friend has introduced you to Kimsor Pan at DPM Lending.

Whether you’re buying a home, refinancing or considering an investment property, Kimsor can help you explore your lending options and understand your next steps.

Complimentary initial consultation.
No obligation to proceed with a loan.

Meet Kimsor

Book your initial consultation

Choose a time to speak with Kimsor.

Please enter your friend’s full name in the “Who referred you?” field so we can recognise their introduction and check eligibility for both rewards.

Kimsor Pan, Lending Consultant at DPM.

Your lending consultant

Meet Kimsor Pan

Lending Consultant

Kimsor joined DPM in 2019 bringing more than 7 years’ industry experience, having previously worked for Bank of Melbourne. Kimsor has strong experience and knowledge dealing with complex consumer lending to business lending. By having a holistic conversation with clients, Kimsor can provide advice and recommendations on buying your first home, investment property and ways to structure loans to benefit clients’ financial position.

0494 065 173 kimsor.pan@dpm.com.au

For you and your friend

A little extra to enjoy

Complete an eligible complimentary initial lending consultation and you and the friend who introduced you could each receive a $250 Alba Thermal Springs & Spa voucher.*

Your initial consultation is an opportunity to discuss your circumstances, ask questions and understand how DPM Lending could help. There is no obligation to proceed with a loan.

*Eligibility criteria and terms apply. View full offer terms.

An outdoor thermal pool at Alba Thermal Springs and Spa.
$250 each*

Alba Thermal Springs & Spa vouchers

For you and the friend who introduced you.

Book your initial consultation

Choose a time to speak with Kimsor.

Please enter your friend’s full name in the “Who referred you?” field so we can recognise their introduction and check eligibility for both rewards.

Choose a time with Kimsor

Prefer to contact us directly?

Call 0494 065 173 or email kimsor.pan@dpm.com.au.

Please mention this offer and the full name of the friend who introduced you.

Your next steps

What happens next?

  1. Appointment confirmation

    We’ll confirm your appointment and any information needed beforehand.

  2. Your initial consultation

    Discuss your circumstances, ask questions and explore your lending options with Kimsor.

  3. Eligibility and vouchers

    After your consultation, we’ll check eligibility and arrange both vouchers.

Offer terms

Terms & conditions

DPM Lending introduction offer

1

Promoter and campaign period

The offer is provided by DPM Lending Pty Ltd (ACL 374850), ABN 19 111 003 395.

The campaign runs from 12 October to 30 November 2026 inclusive.

2

Eligible referrers

Any individual aged 18 or over who lives in Australia can make an introduction. The referrer does not need to be a client of DPM.

The following people are not eligible to receive a reward as a referrer:
(a) directors, employees, contractors, and authorised or credit representatives of DPM and its related entities, and their immediate family members;
(b) any person or business that refers clients to DPM in the course of their business or profession, including real estate agents, accountants, financial advisers, mortgage brokers, lawyers and buyers’ agents, or that receives a fee or commission from DPM under another referral arrangement; and
(c) the referred person themselves, or a person living at the same address as the referred person.

A referrer must be able to be identified and contacted so DPM can verify the introduction and deliver the reward. DPM may decline to issue a reward where it cannot verify the introduction or reasonably suspects the offer is being misused.

3

Eligible referred persons

To be an eligible referred person, an individual must:
(a) be aged 18 or over and live in Australia;
(b) be introduced by an eligible referrer, with the referrer’s full name provided when the referred person first books, enquires or contacts DPM Lending about that lending need (the introduction cannot be added after the initial booking, enquiry or contact);
(c) have a new lending need that is separate from any loan or application already arranged or in progress through DPM Lending. A new lending need means a new purchase, refinance, top-up, investment loan or other facility, and not a review, variation or servicing request on an existing loan;
(d) not already be in discussions with DPM Lending about that lending need when the introduction is made; and
(e) not be a person described in clause 2(a) or 2(b).

A referred person may be an existing, current or former client of DPM Lending or of any other DPM service. A referred person may be introduced more than once during the campaign period, whether by the same referrer or a different one, but only where each introduction relates to a separate lending need and is made at least 30 days after the date of the referred person’s previous qualifying consultation. A referred person can receive no more than two rewards in total under this offer.

Where two or more people name the same referred person for the same lending need, the reward goes to the first valid introduction recorded by DPM. Joint borrowers who live at the same address are treated as one referred person, and each must meet these requirements.

A referrer and a referred person cannot receive rewards for introducing each other, and DPM may decline a reward where introductions appear reciprocal or arranged for the purpose of obtaining rewards.

DPM will check eligibility against its records. DPM’s decision on eligibility is final, to the extent permitted by law. To protect client privacy, DPM may decline to tell a referrer why an introduction was not eligible.

4

Eligible lending enquiries

The offer applies to all DPM lending enquiry types, excluding car loans.

5

Qualifying consultation

The referred person must complete an initial consultation with a DPM lending consultant within 30 days of the offer expiry date (30 November 2026). Consultations may take place in person, by Teams or by telephone.

A booking alone does not qualify. Cancelled appointments and appointments that are not attended do not qualify.

There is no requirement to apply for, obtain approval for or settle a loan.

6

Recording the introduction

The referred person must provide the referrer’s full name in the booking or enquiry form, or when contacting DPM by telephone or email.

DPM will verify the introduction and eligibility before issuing rewards. Where a name is ambiguous, additional information may be requested to identify the referrer.

7

Rewards

For each qualifying introduction, the referrer and referred person will each receive a $250 Alba Thermal Springs & Spa voucher.

Recipients based outside Victoria will receive a $250 Visa Debit Card instead.

8

Multiple introductions and other offers

A referrer may make more than one qualifying introduction during the campaign period, up to a maximum of two qualifying introductions per referrer. Each introduction must be of a person who meets the requirements of clause 3. Where the same referred person is introduced more than once, each qualifying introduction counts separately towards the referrer’s maximum, and clause 3 limits how often a referred person can be introduced and how many rewards can be issued in relation to them.

A qualifying introduction means the introduction of an eligible referred person who completes a qualifying consultation on or before 30 November 2026 under clause 5. Each qualifying introduction entitles the referrer and the referred person to one reward each, and no more.

All rewards are subject to the availability limit in clause 3. If this clause and the availability clause are inconsistent, the availability clause prevails.

This offer cannot be combined with any other DPM promotional offer, rebate or incentive connected to a lending consultation or loan, unless the terms of that other offer expressly allow it. Where a person is eligible for more than one offer, DPM will apply whichever has the greater value to that person. Other DPM offers that are unrelated to lending consultations or loans continue to apply on their own terms.

9

Reward delivery

Rewards will be distributed within 7 business days of the campaign’s close on 30 November 2026, once eligibility has been verified.

Participants must provide the contact details needed to deliver their reward.

10

Voucher and card conditions

Rewards are subject to the relevant issuer’s terms and conditions, including applicable expiry dates, redemption conditions and usage restrictions.

Alba Thermal Springs terms

11

Personal information

DPM will use information collected through this offer to manage lending enquiries, verify introductions and eligibility, and arrange reward delivery in accordance with its Privacy Policy.

13

Availability

The number of rewards available under this offer is limited and is determined by DPM. Rewards are allocated in the order that referred persons book an initial consultation with DPM Lending. If a booking is cancelled or not attended, its allocation may be released and offered to another referred person.

Once all rewards have been allocated, the offer closes to new bookings and DPM will update this page as soon as practicable. A referred person who booked before the offer closed remains eligible, provided they complete the qualifying consultation on or before 30 November 2026 and meet these terms.

If a nominated reward becomes unavailable, DPM may substitute a reward of equal or greater value.

DPM may end, suspend or vary this offer at any time. DPM will not withdraw a reward from a person who has already booked a qualifying consultation in reliance on the offer, except where eligibility requirements are not met or fraud is suspected.

Nothing in these terms limits any rights under the Australian Consumer Law.

Limited offer, subject to availability. The offer closes on 30 November 2026, or earlier if all rewards have been allocated. Eligibility criteria and terms apply.

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