• 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: 5 October 2021

    Products: RAMS Full Feature 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 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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