Target Market Determinations
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What is a Target Market Determination?
Target Market Determinations (TMDs) set out (amongst other things) who the product has been designed for (the product’s ‘target market’), conditions that apply to the product’s distribution and the events or circumstances that suggest a need for the TMD to be reviewed.
This page contains the TMDs for:
- RAMS Home Loan products,
- RAMS Savings and Transactions products.
RAMS Home Loans
RAMS Fully Featured Home Loans TMD
Document Status: Active
Effective Date: 6 August 2024
Products: RAMS Full Feature Home Loan, RAMS Fixed Rate Home Loan
Download the RAMS Fully Featured Home Loans TMD
Document Status: Historical
Effective Date: 1 April 2024 - 5 August 2024
Products: RAMS Full Feature Home Loan, RAMS Fixed Rate Home Loan
Download the RAMS Fully Featured Home Loans TMD
Document Status: Historical
Effective Date: 31 May 2023 - 31 March 2024
Products: RAMS Full Feature Home Loan, RAMS Fixed Rate Home Loan
Download the RAMS Fully Featured Home Loans TMD
Document Status: Historical
Effective Date: 5 October 2022 - 30 May 2023
Products: RAMS Full Feature Home Loan, RAMS Fixed Rate Home Loan
Download the RAMS Fully Featured Home Loans TMD
Document Status: Historical
Effective Date: 11 July 2022 - 4 October 2022
Products: RAMS Full Feature Home Loan, RAMS Fixed Rate Home Loan
Download the RAMS Fully Featured Home Loans Historical TMD
Document Status: Historical
Effective Date: 5 October 2021 - 10 July 2022
Products: RAMS Full Feature Home Loan, RAMS Fixed Rate Home Loan
Download the RAMS Fully Featured Home Loans Historical TMD
RAMS Basic Home Loans TMD
Document Status: Active
Effective Date: 6 August 2024
Products: RAMS Essential Home Loan, RAMS Fixed Rate Classic Home Loan
Download the RAMS Basic Home Loans TMD
Document Status: Historical
Effective Date: 1 April 2024 - 5 August 2024
Products: RAMS Essential Home Loan, RAMS Fixed Rate Classic Home Loan
Download the RAMS Basic Home Loans TMD
Document Status: Historical
Effective Date: 31 May 2023 - 31 March 2024
Products: RAMS Essential Home Loan, RAMS Fixed Rate Classic Home Loan
Download the RAMS Basic Home Loans TMD
Document Status: Historical
Effective Date: 5 October 2022 - 30 May 2023
Products: RAMS Essential Home Loan, RAMS Fixed Rate Classic Home Loan
Download the RAMS Basic Home Loans TMD
Document Status: Historical
Effective Date: 5 October 2021 - 4 October 2022
Products: RAMS Essential Home Loan, RAMS Fixed Rate Classic Home Loan
Download the RAMS Basic Home Loans Historical TMD
RAMS Line of Credit TMD
Document Status: Historical
Effective Date: 1 April 2024 - 5 August 2024
Products: RAMS Line of Credit
Download the RAMS Line of Credit TMD
Document Status: Historical
Effective Date: 31 May 2023 - 31 March 2024
Products: RAMS Line of Credit
Download the RAMS Line of Credit TMD
Document Status: Historical
Effective Date: 5 October 2022 - 30 May 2023
Products: RAMS Line of Credit
Download the RAMS Line of Credit TMD
Document Status: Historical
Effective Date: 5 October 2021 - 4 October 2022
Products: RAMS Line of Credit
Download the RAMS Line of Credit Historical TMD
RAMS Savings and Transaction Accounts
RAMS Everyday Transaction TMD
Document Status: Active
Effective Date: 6 August 2024
Products: RAMS Action
Download the RAMS Everyday Transaction TMD
Document Status: Historical
Effective Date: 1 April 2024 - 5 August 2024
Products: RAMS Action
Download the RAMS Everyday Transaction TMD
Document Status: Historical
Effective Date: 29 June 2023 - 31 March 2024
Products: RAMS Action
Download the RAMS Everyday Transaction TMD
Document Status: Historical
Effective Date: 29 May 2023 - 28 June 2023
Products: RAMS Action
Download the RAMS Everyday Transaction TMD
Document Status: Historical
Effective Date: 5 October 2022 - 28 May 2023
Products: RAMS Action
Download the RAMS Everyday Transaction TMD
Document Status: Historical
Effective Date: 5 October 2021- 4 October 2022
Products: RAMS Action
Download the RAMS Everyday Transaction Historical TMD
RAMS At Call Savings TMD
Document Status: Active
Effective Date: 1 April 2024
Products: RAMS Saver
Download the RAMS At Call Savings TMD
Document Status: Historical
Effective Date: 29 June 2023 - 31 March 2024
Products: RAMS Saver
Download the RAMS At Call Savings TMD
Document Status: Historical
Effective Date: 29 May 2023 - 28 June 2023
Products: RAMS Saver
Download the RAMS At Call Savings TMD
Document Status: Historical
Effective Date: 5 October 2022 - 28 May 2023
Products: RAMS Saver
Download the RAMS At Call Savings TMD
Document Status: Historical
Effective Date: 5 October 2021 - 4 October 2022
Products: RAMS Saver
Download the RAMS At Call Savings Historical TMD
RAMS Home Loan products and RAMS Savings and Transactions products are published here on behalf of the Product Issuer, Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
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