What is a Target Market Determination?
Target Market Determinations (TMD) are required under section 994B of the Corporations Act 2001 (Cth). They outline:
- who a product is likely appropriate for,
- how the product may be distributed,
- why and when this TMD will be reviewed; and
- obligations of distributors.
A TMD is not intended to provide financial advice. When deciding if a product is suitable for you, always make sure you refer to the relevant product Terms and Conditions and any supplementary document(s) such as the Fees and Charges and Interest Rate Schedule. These will outline the relevant terms and conditions being provided under that product.
We’re here to help, so if you have any questions about a TMD, you can message us, email us, call 13 25 77, or visit your local branch.
Target Market Determinations
You can view and download our Target Market Determination documents below.
- Basic Variable Home Loan - Owner Occupied
- & Investor Basic Loan - Interest Only
- & Investor Basic Loan - Principal & Interest
- & Investor Loan - Interest Only
- & Investor Loan - Pricnipal & Interest
- Bridging Loan - Owner Occupied
- Fixed Rate Home Loan - Interest Only Investor
- Fixed Rate Home Loan - Interest Only Owner Occupied
- Fixed Rate Home Loan - Principal & Interest Investor
- Fixed Rate Home Loan - Principal & Interest Owner Occupied
- Offset Variable Home Loan
- Reverse Mortgage
- Variable Home Loan - Investor
- Variable Home Loan - Owner Occupied
Products are issued by our insurance provider, Insurance Australia Limited, trading as CGU. Insurance product TMDs are available on the CGU website.
We're here to help
Talk to us
Whether you’d prefer to chat to us over the phone, in person, or online, you can get in touch.
Get answers online
We’ve got heaps of info and answers to your questions in our comprehensive help centre.