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
  • Record 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.

Home Loans

Product View TMD
Advantage Home Loan Click here
Advantage Investor Home Loan Click here
Advantage Plus Home Loan Click here
Advantage Plus Investor Home Loan Click here
First Home Buyer Advantage Plus Home Loan Click here
Advantage Plus Government Scheme Click here
Shared Equity AdvPlus Click here
Bridging Loan Click here
Mortgage Offset Account Click here


Product View TMD
Flexi Home Equity Click here

Personal Lending

Product View TMD
Personal Loan Click here
Car Loan Click here
Premium Personal Loan Click here
Consolidator Loan Click here
Community Support Loan Click here

Self-Managed Super Fund 

Product View TMD
Self-Managed Super Fund Loan Click here


Product View TMD
Access Savings Click here
Budget Savings Click here
Special Purpose Click here
Pensioner Security Click here
Cash Management Click here
Christmas Savings Click here
Power-up eSaver Click here
Bonus Saver Click here
MoneyMAX Click here
Standard Term Deposit Click here
Kick Starter Term Deposit Click here


Product View TMD
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.

CGU Insurance

Ezicover (Zurich)

Cash Passport

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