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.

If you would like to speak to our team about any of our Target Market Determinations, please visit our contact page.

Home Loans

Owner Occupied Loans

First Home Loan Owner P&I – Effective from 25th November 2024
First Home Loan Owner IO – Effective from 25th November 2024
Goldrate Owner Occupied P&I – Effective from 5th October 2021
Goldrate Owner Occupied IO – Effective from 5th October 2021
Customs Value Owner Occupied P&I – Effective from 5th October 2021
Customs Value Owner Occupied IO – Effective from 5th October 2021

Investment Loans

Goldrate Investment P&I – Effective from 5th October 2021
Goldrate Investment IO – Effective from 3rd February 2025
Customs Value Investment P&I – Effective from 5th October 2021
Customs Value Investment IO – Effective from 3rd February 2025

Other

Goldrate Land Rent Scheme – Effective from 5th October 2021
Customs Value Land Rent Scheme – Effective from 5th October 2021
Goldrate Bridging Loan – Effective from 3rd February 2025
Customs Value Bridging Loan – Effective from 3rd February 2025

Transactions & Savings Accounts

Easy Access – Effective from 21st November 2024
U30 Super Charge – Effective from 21st November 2024
Savings Plus –Effective from 21st November 2024
Safeguard – Effective from 3rd February 2025
Bonus Saver – Effective from 21st November 2024
Dynamo/ Flex Account – Effective from 3rd February 2025
Retirement Plus Saver – Effective from 21st November 2024
Mortgage Offset – Effective from 21st November 2024

Term Deposits

Edvest Int on Maturity – Effective from 5th October 2021
Edvest Int paid Fortnightly – Effective from 5th October 2021
Edvest Int Paid Six Monthly – Effective from 5th October 2021
Special TD Int on maturity – Effective from 5th October 2021
Special TD Int paid monthly – Effective from 5th October 2021
Standard Int on Maturity – Effective from 5th October 2021
Standard Int Paid Monthly – Effective from 5th October 2021
Standard Int Paid Six Monthly – Effective from 5th October 2021

Personal Loans

Personal Loan Secured and Unsecured – Effective from 3rd February 2025
Car Loan – Effective from 3rd February 2025

Credit Cards & Overdrafts

Standard Credit Card – Effective from 5th October 2021
Overdraft Card – Effective from 5th October 2021