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.