• 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.

    And provides the links to the: 

    • RAMS Home Insurance products, and 
    • RAMS Landlord Insurance products. 

    RAMS Home Loans

    RAMS Fully Featured Home Loans TMD

    Document Status: Active

    Effective Date: 5 October 2021

    Products: RAMS Full Featured Home Loan, RAMS Fixed Rate Home Loan

    Download the RAMS Fully Featured Home Loans TMD

     

    RAMS Basic Home Loans TMD

    Document Status: Active

    Effective Date: 5 October 2021

    Products: RAMS Essential Home Loan, RAMS Fixed Rate Classic Home Loan

    Download the RAMS Basic Home Loans TMD

     

    RAMS Line of Credit TMD

    Document Status: Active

    Effective Date: 5 October 2021

    Products: RAMS Line of Credit

    Download the RAMS Line of Credit TMD

    RAMS Savings and Transaction Accounts

    RAMS Everyday Transaction TMD

    Document Status: Active

    Effective Date: 5 October 2021

    Products: RAMS Action

    Download the RAMS Everyday Transaction TMD

     

    RAMS At Call Savings TMD

    Document Status: Active

    Effective Date: 5 October 2021

    Products: RAMS Saver

    Download the RAMS At Call Savings TMD

    RAMS Home and Contents and Landlord Insurance

    RAMS Home Contents Insurance TMD

    Document Status: Active

    Products: RAMS Home Contents Insurance

    Access the RAMS Home Contents Insurance TMD

     

    RAMS Home Building Insurance TMD

    Document Status: Active

    Products: RAMS Home Building Insurance

    Access the RAMS Home Building Insurance TMD

     

    RAMS Landlord Contents Insurance TMD

    Document Status: Active

    Products: RAMS Landlord Contents Insurance

    Access the RAMS Landlord Contents Insurance TMD  

     

    RAMS Landlord Building Insurance TMD

    Document Status: Active

    Products: RAMS Landlord Building Insurance

    Access the RAMS Landlord Building Insurance 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.

    Things you should know

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    Home and Contents Insurance and Landlord Insurance is issued by Allianz Australia General Insurance Limited ABN 99 003 719 319, which is a corporate authorised representative of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). RAMS Financial Group Pty Limited ABN 30 105 207 538 (RAMS) and its franchisees refer clients to Allianz Insurance for their Home and Contents Insurance and Landlord Insurance needs. RAMS Home and Contents Insurance & Landlord Insurance TMDs have been prepared by Allianz Australia General Insurance Limited (ABN 99 003 719 319, AR No. 1289392) (AAGIL), an authorised representative of Allianz Australia Insurance Limited (ABN 15 000 122 850, AFS Licence No. 234708), as the issuer of the product to which these TMDs apply. RAMS is a subsidiary of Westpac Banking Corporation (Westpac). Neither RAMS nor Westpac guarantee the insurance provided by Allianz. If you take out insurance, RAMS or its franchisee may receive a commission. This information does not take into account your personal circumstances. Policy terms, conditions and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement. For more information, call 13 7267 or visit rams.com.au/insurance.