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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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