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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 Variable - Feb24

Cabernet Flexi Home and Flexi Investor TMD - Prime Fixed - Feb24

Cabernet Flexi Home and Flexi Investor TMD - Prime Variable - Feb24

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 NDIS TMD - Fixed - Feb24

Cabernet NDIS TMD - Variable - Feb24

Cabernet Visa Debit Card - TMD - Apr23

Cabernet Xpat TMD - Fixed - Feb24

Cabernet Xpat TMD - Variable - Feb24

Green TMD - Full Doc - Oct22

Green TMD - SMSF V2 - Oct22

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 - Retire Residential SMSF -Variable & Fixed Rates - 31Mar24 V3

Navy TMD - Xpat -Variable & Fixed Rates - 31Mar24 V3

Ocean Bridging TMD - Apr23

Ocean Expat TMD - Apr23

Ocean Jumbo & Ocean Prestige TMD (Altdoc & Full Doc) -Apr24

Ocean Non-Resident TMD - Apr23

Ocean Residential TMD - Apr23

Ocean SMSF TMD - Apr23

ORANGE Allstate Introduction - Target Market Definition

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 TMD - Apr24

Red SE Prime XL TMD - Apr24

Red Super Resi SMSF TMD - 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 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 Xpat TMD - Fixed - June22

Cabernet Xpat TMD - Variable June22

Ocean Bridging TMD -Dec22

Ocean Residential TMD -Dec22

Ocean TMD 23Oct22

Orange Options TMD - 3 Years Fixed

Orange Options TMD - Variable

Orange TMD - 85 No LMI - Apr22

Orange TMD - Prime Basic - Apr22

Orange TMD - Prime Flame - Apr22

Orange TMD - Specialist Altdoc (Lifestyle & Plus) - Apr22

Orange TMD - Specialist Full Doc (Lifestyle & Plus) - Apr22

Red TMD - Sep21