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:
And provides the links to the:
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
Products: RAMS Essential Home Loan, RAMS Fixed Rate Classic Home Loan
Download the RAMS Basic Home Loans TMD
Products: RAMS Line of Credit
Download the RAMS Line of Credit TMD
Products: RAMS Action
Download the RAMS Everyday Transaction TMD
Products: RAMS Saver
Download the RAMS At Call Savings TMD
Products: RAMS Home Contents Insurance
Access the RAMS Home Contents Insurance TMD
Products: RAMS Home Building Insurance
Access the RAMS Home Building Insurance TMD
Products: RAMS Landlord Contents Insurance
Access the RAMS Landlord Contents Insurance TMD
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
To view PDF files you need Adobe Acrobat Reader. If you still can’t view the document, get in touch by visiting our contact us page.
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.
Hello world! I'm the modal body
By submitting this form you acknowledge that you have read and accept our
Would you like RAMS and its franchisees to keep you informed about products and services including via email?
Please call 13 RAMS that’s 13 7267 and a RAMS Mobile Home Loan Specialist will give you a call and come out to discuss your home loan needs with you.
If you’d like we can call you back. Just click on the ‘Have us Call You’ button, enter your number and we’ll be in touch soon.
Alternatively, you can try submitting a different region or postcode.
Enter your full phone number below and a RAMS Consultant will call you back at the time of your choice.
Australian Eastern Standard Time