Broker Resources
Target Market Determination - Residential
Target Market Determinations (TMD)
We are required to make Target Market Determinations available under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act (Cth) 2019.This is to ensure that the right products end up in the hands of the right customer by focusing on our customers in the design and distribution of our financial products.
What is a Target Market Determination (TMD)?
A TMD is a document which describes:
• the persons for which the product has been designed,
• the persons for which the product has been designed,
• the conditions around the product’s distribution,
• when this TMD will be reviewed, and• 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 always make sure you refer to the Terms and Conditions and any supplementary document(s). These will outline the relevant terms and conditions being provided under that product.
Target Market Determinations
Allstate
CABERNET Allstate Introduction - Target Market Definition
Cabernet Flex SMSF TMD - SMSF Fixed - Feb24
Cabernet Flex SMSF TMD - SMSF Fixed - Feb24
Cabernet Flex SMSF TMD - SMSF Variable - Feb24
Cabernet Flexi Home and Flexi Investor TMD - Prime Fixed - Feb24
Cabernet Flexi Home and Flexi Investor TMD - Prime Variable - Nov24
Cabernet Flexi Home- Flexi Investor-FlexiBuild TMD -Fixed- Jun22
Cabernet Flexi Home- Flexi Investor-FlexiBuild TMD -Variable- Jun22
Cabernet Flexi Home-Flexi Investor-FlexiBuild NDIS TMD-Fixed- Jun22
Cabernet Flexi Home-Flexi Investor-FlexiBuild NDIS TMD-Variable- Jun22
Cabernet Indue Visa Debit Card - Origin-MMS - Dec24
Cabernet NDIS TMD - Fixed - Apr25
Cabernet NDIS TMD - Variable - Apr25
Cabernet Xpat TMD - Fixed - Feb24
Cabernet Xpat TMD - Variable - Feb24
Green TMD - Full Doc - Oct22
Green TMD - SMSF V2 - Oct22
Navy Freedom TMD - Fixed Rate - June25 V4
Navy Freedom TMD - Variable Rate - June25 V4
Navy Lifestyle TMD -Variable Rate - June25 V4
Navy Options Altdoc TMD - Fixed Rate - June25 V4
Navy Options Altdoc TMD - Variable Rate - June25 V4
Navy Prime TMD - Fixed Rate - June25 V4
Navy Prime TMD - Variable Rate - June25 V4
Navy Specialist & Specialist Plus TMD - Variable Rates v4.0
Navy TMD - Lifestyle SMSF -Variable & Fixed Rates - 31Mar24 V3
Navy TMD - Retire Residential SMSF -Variable & Fixed Rates - 31Mar24 V3
Ocean Bridging TMD - Apr25
Ocean Expat TMD - Apr25
Ocean Non-Resident TMD - Apr25
Ocean Prestige TMD - Apr25
Ocean Residential TMD - Apr25
Ocean SMSF TMD - Apr25
Platinum Altdoc TMD - 4Jun25
Platinum Alternate Altdoc TMD - 4Jun25
Platinum Primo Full Doc TMD - 4Jun25
Platinum Resi SMSF TMD - 4Jun25
Platinum Xpat Alternate Altdoc TMD - 4Jun25
Platinum Xpat TMD - 4Jun25
Purple TMD - Altdoc & Full Doc Loans - Residential & Commercial- Oct24
Purple TMD - Bridging - Relocation Loans - Oct24
Purple TMD - Everyday Heroes - Altdoc & Full Doc Loans - Oct24
Purple TMD - Non-Resident - International Borrower - Full Doc
Purple TMD - Residual Stock Loan - Oct24
Purple TMD - Rural Home Loan, Full Doc & AltDoc
Purple TMD - Single Build Construction Loans - Oct24
Purple TMD - SMSF Loan - Commercial & Residential- Oct24
Purple TMD - Xpat - International Borrower - Full Doc
RedZed TMD Recharge RZTMDREC0225 V1 - Feb25
RedZed TMD RedZed Solutions RZTMDRZS0225 V1 - Feb25
RedZed TMD Reward RZTMDREW1124 V2 - Nov24
RedZed TMD SE Prime RZTMDSEP1124 V2 -Nov24
RedZed TMD SE Prime XL RZTMDSEPXL1124 V1 -Nov24
RedZed-Super-Resi-TMD-RZSRSMSFRLP0224 V1 - Feb24
Archived Items
Allstate
Cabernet Flex SMSF TMD - SMSF Fixed - Dec22
Cabernet Flex SMSF TMD - SMSF Variable - Dec22
Cabernet Flex SMSF TMD -Fixed- Jun22
Cabernet Flex SMSF TMD -Variable-Jun22
Cabernet Flexi Home and Flexi Investor TMD - Prime Variable - Feb24
Cabernet Flexi Home TMD - OO Fixed - Mar22
Cabernet Flexi Home TMD - OO Variable - Mar22
Cabernet Flexi Investor TMD - Inv Fixed
Cabernet Flexi Investor TMD - Inv Variable
Cabernet FlexiBuild TMD - Inv Variable
Cabernet FlexiBuild TMD - OO Fixed
Cabernet FlexiBuild TMD - OO Variable
Cabernet NDIS TMD - Fixed - Feb24
Cabernet NDIS TMD - Variable - Feb24
Cabernet Visa Debit Card - TMD - Apr23
Cabernet Visa Debit Card TMD - Indue tmd
Cabernet Xpat TMD - Fixed - June22
Cabernet Xpat TMD - Variable June22
Navy TMD - Freedom OS -Variable & Fixed Rates - 31Mar24 V3
Navy TMD - Lifestyle -Variable Rate - 31Mar24 V3
Navy TMD - Options Altdoc -Variable & Fixed Rates - 31Mar24 V3
Navy TMD - Prime -Variable & Fixed Rates - 31Mar24 V3
Navy TMD - Specialist -Variable Rate - 31Mar24 V3
Navy TMD - Specialist Plus -Variable Rate - 31Mar24 V3
Navy TMD - Xpat -Variable & Fixed Rates - 31Mar24 V3
Ocean Bridging TMD - Apr23
Ocean Bridging TMD -Dec22
Ocean Construction TMD - v1.0 -21Aug24
Ocean Expat TMD - Apr23
Ocean Jumbo & Ocean Prestige TMD (Altdoc & Full Doc) -Apr24
Ocean Non-Resident TMD - Apr23
Ocean Residential TMD - Apr23
Ocean Residential TMD -Dec22
Ocean SMSF TMD - Apr23
Ocean TMD 23Oct22
ORANGE Allstate Introduction - Target Market Definition
ORANGE Allstate Introduction - Target Market Definition
Orange Options TMD - 3 Years Fixed
Orange Options TMD - Variable
Orange TMD - 85 No LMI - Apr22
Orange TMD - Prime Basic - Apr22
Orange TMD - Specialist Altdoc (Lifestyle & Plus) - Apr22
Orange TMD - Specialist Full Doc (Lifestyle & Plus) - Apr22
Purple TMD - Altdoc & Full Doc Loans - Oct21
Purple TMD - Relocation Loans - Oct21
Purple TMD - Single Build Construction Loans - Oct21
Red Recharge TMD - Apr24
Red Reward TMD - Apr24
Red SE Prime XL TMD - Apr24
Red Solutions TMD - 21May24
Red Super Resi SMSF TMD - Feb24
Red TMD - Sep21