Target Market Determinations - Police Bank

Home Loans Transactions & Savings Accounts Term Deposits Personal Loans Credit Cards & Overdrafts

What is a Target Market Determination?

A Target Market Determination (TMD) is a document which describes who a product is appropriate for (target market), and any conditions around how the product can be distributed to members. It also describes the events or circumstances where we may need to review the Target Market Determination for a financial product.

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Home Loans

Owner Occupied Loans

First Home Loan Owner P&I – Effective from 25th November 2024
First Home Loan Owner IO – Effective from 25th November 2024
Goldrate Owner Occupied P&I – Effective from 5th October 2021
Goldrate Owner Occupied IO – Effective from 5th October 2021
Police Value Owner Occupied P&I – Effective from 5th October 2021
Police Value Owner Occupied IO – Effective from 5th October 2021

Investment Loans

Goldrate Investment P&I – Effective from 5th October 2021
Goldrate Investment IO – Effective from 3rd February 2025
Police Value Investment P&I – Effective from 5th October 2021
Police Value Investment IO – Effective from 3rd February 2025

Other

Goldrate Land Rent Scheme – Effective from 5th October 2021
Police Value Land Rent Scheme – Effective from 5th October 2021
Goldrate Bridging Loan – Effective from 3rd February 2025
Police Value Bridging Loan – Effective from 3rd February 2025
Essential Workers Home Loan – Effective from 3rd February 2025

Transactions & Savings Accounts

Easy Access – Effective from 30th July 2025
U30 Super Charge – Effective from 30th July 2025
Savings Plus – Effective from 30th July 2025
Safeguard – Effective from 30th July 2025
Bonus Saver – Effective from 21st November 2024
Dynamo/ Flex Account – Effective from 3rd February 2025
Retirement Plus Saver – Effective from 30th July 2025
Mortgage Offset – Effective from 30th July 2025

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Term Deposits

Edvest Int on Maturity – Effective from 5th October 2021
Edvest Int paid Fortnightly – Effective from 5th October 2021
Edvest Int Paid Six Monthly – Effective from 5th October 2021
Special TD Int on maturity – Effective from 5th October 2021
Special TD Int paid monthly – Effective from 5th October 2021
Standard Int on Maturity – Effective from 5th October 2021
Standard Int Paid Monthly – Effective from 5th October 2021
Standard Int Paid Six Monthly – Effective from 5th October 2021

Personal Loans

Personal Loan Secured and Unsecured – Effective from 3rd February 2025
Car Loan – Effective from 3rd February 2025
Student Personal Loan – Effective from 3rd February 2025

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Credit Cards & Overdrafts

Standard Credit Card – Effective from 5th October 2021
Student Credit Card – Effective from 5th October 2021
Overdraft Card – Effective from 5th October 2021