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Target Market Determinations

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From 5 October 2021, we need to comply with a new law under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019.

This has been introduced to ensure the right products are recommended to the right members, by focussing on them in the design and distribution of our financial products.

One of the requirements of the new law is to create a Target Market Determination (TMD) for each financial product we offer.

What is a Target Market Determination (TMD)?

A TMD is a document that describes:

  • The consumer for which the product has been designed
  • The conditions around the product’s distribution
  • The events or circumstances where we may need to review the TMD
  • When the TMD will be reviewed
  • Recording keeping and reporting obligations of distributors

Please note a TMD is not intended to provide financial advice. When making a decision about a product, please refer to the Terms and Conditions and any supplementary document(s). These will outline the relevant terms and conditions being provided under that product.

How can you view a TMD?

We have listed all our TMDs below, they have been set out in their product categories.

If you have any issues, please contact us on 1300 36 2000.

Home Loans - Owner Occupied Principal and Interest Interest Only
First Rate Home Loan - Variable Click here Click here
First Rate Home Loan - Fixed Click here Click here
All in One Home Loan - Variable Click here Click here
All in One Home Loan (First Home Buyer) - Variable Click here Click here
All in One Rewards Package - Variable Click here Click here
First Rate Home Loan (First Home Buyer) - Variable Click here Click here
First Rate Home Loan (First Home Buyer) - Fixed Click here Click here
Tide You Over – Line of Credit Click here
Bridging Finance Click here
Home Loans - Investment Principal and Interest Interest Only
First Rate Investment Loan - Variable Click here Click here
First Rate Home Loan - Fixed Click here Click here
All in One Investment Loan - Variable Click here Click here
All in One Rewards Package - Variable Click here Click here
Personal Lending Variable Rate Fixed Rate
Personal Loan Click here Click here
Car Loan Click here Click here
Premium Personal Loan Click here
Consolidator Loan Click here
Overdraft Click here
Cards    
Visa Credit Card Click here
Visa Debit Card Click here


Third Party Products

If you require a copy of a TMD for one of our third party products, please refer to the below links related to your product.

QBE Insurance

Ezicover (Zurich)

Cash Passport