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 current TMDs for RAMS Home Loan products.

RAMS Home Loans

RAMS Transferring Home Loans TMD

Document Status: Active

Effective Date: 1 August 2026

Download the RAMS Transferring Home Loans TMD

RAMS Fully Featured Home Loans TMD

Document Status: Historical

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: Historical

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

If you require a previous version of a Savings and Transaction TMD, please contact us on 13 RAMS, that's 13 7267 and/or service@ramsservices.com.au.   Please provide the product name and time period in your request.

Things you should know

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