A target market determination (TMD) seeks to offer consumers, distributors and staff with an understanding of the class of consumers and therefore the target market for which these products have been designed, having regard to the objectives, financial situation and needs of the target market.
Home Loans
- First Home Loan – Effective from 31st October 2025
- Goldrate Home Loan – Effective from 31st October 2025
- Customs Value Home Loan – Effective from 31st October 2025
- Goldrate Bridging Loan – Effective from 4th February 2026
- Customs Value Bridging Loan – Effective from 4th February 2026
Transactions & Savings Accounts
- Easy Access – Effective from 30th July 2025
- U30 SUPER CHARGE – Effective from 30th July 2025
- Savings Plus – Effective from 30th July 2025
- Safeguard – Effective from 30th September 2025
- Bonus Saver – Effective from 30th September 2025
- Dynamo/Flex Account – Effective from 30th September 2025
- Retirement Plus Saver – Effective from 30th July 2025
- Mortgage Offset – Effective from 30th July 2025
Term Deposits
- Edvest Term Deposit – Effective from 4th February 2026
- Standard Term Deposit – Effective from 4th February 2026
Personal Loans
- Personal Loan Secured and Unsecured – Effective from 11th February 2026
- Car Loan – Effective from 11th February 2026
Credit Cards & Overdrafts
- Standard Credit Card – Effective from 12th January 2026
- Overdraft – Effective from 12th January 2026