Delivering better customer outcomes
We are required to make Target Market Determinations available under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act (Cth) 2019.
This is to ensure that the right products end up in the hands of the right customer by focusing on our customers in the design and distribution of our financial products.
What is a Target Market Determination (TMD)?
A TMD is a document which describes:
- the persons for which the product has been designed,
- the conditions around the product’s distribution,
- when this TMD will be reviewed, and
- record keeping and reporting obligations of distributors.
Please note a TMD is not intended to provide financial advice. When making a decision about a product always make sure you refer to the Terms and Conditions and any supplementary document(s). These will outline the relevant terms and conditions being provided under that product.
This page includes the Target Market Determinations for financial products issued and/or distributed by Bendigo Bank.
Products for personal customers
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Residential Investment Home Loan interest only - fixed ratepdf, 143 KB
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Residential Investment Home Loan interest only - variable ratepdf, 141 KB
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Residential Investment Home Loan principal and interest - fixed ratepdf, 159 KB
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Residential Investment Home Loan principal and interest - variable ratepdf, 152 KB
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Non-Individual Residential Investment interest only - fixed ratepdf, 182 KB
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Non-Individual Residential Investment interest only - variable ratepdf, 181 KB
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Non-Individual Residential Investment principal and interest - fixed ratepdf, 175 KB
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Non-Individual Residential Investment principal and interest - variable ratepdf, 196 KB
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First Home Guarantee interest only - variable ratepdf, 200 KB
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First Home Guarantee principal and interest - fixed ratepdf, 174 KB
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First Home Guarantee principal and interest - variable ratepdf, 172 KB
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Family Home Guarantee interest only - variable ratepdf, 185 KB
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Family Home Guarantee principal and interest - fixed ratepdf, 195 KB
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Family Home Guarantee principal and interest - variable ratepdf, 174 KB
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Regional First Home Buyer Guarantee interest only - variable ratepdf, 177 KB
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Regional First Home Buyer Guarantee principal and interest - fixed ratepdf, 174 KB
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Regional First Home Buyer Guarantee principal and interest - variable ratepdf, 180 KB
Products are issued by our insurance provider, Insurance Australia Limited, trading as CGU. The links for each of the insurance TMD’s will open a PDF document on the Insurance Australia Limited website.
Products are issued by our Life insurance provider, AIA Australia. AIA Australia has prepared TMDs which describe the class of consumers that comprise the target market for this product. The TMDs will open on AIA Australia’s website.
Products are issued by Sandhurst Trustees Limited, a subsidiary of Bendigo and Adelaide Bank Limited.
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Adelaide Cash Management Trustpdf, 160 KB
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Bendigo Balanced Index Fundpdf, 161 KB
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Bendigo Balanced Wholesale Fundpdf, 161 KB
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Bendigo Conservative Index Fundpdf, 162 KB
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Bendigo Conservative Wholesale Fundpdf, 162 KB
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Bendigo Defensive Index Fundpdf, 162 KB
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Bendigo Defensive Wholesale Fundpdf, 161 KB
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Bendigo Growth Index Fundpdf, 162 KB
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Bendigo Growth Wholesale Fundpdf, 162 KB
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Bendigo High Growth Index Fundpdf, 162 KB
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Bendigo High Growth Wholesale Fundpdf, 187 KB
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Bendigo Income Generation Fundpdf, 185 KB
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Bendigo Socially Responsible Growth Fundpdf, 189 KB
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Instructions and Key Definitionspdf, 150 KB
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Sandhurst Balanced Fundpdf, 187 KB
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Sandhurst Cash Common Fundpdf, 160 KB
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Sandhurst Conservative Fundpdf, 187 KB
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Sandhurst Growth Fundpdf, 188 KB
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Sandhurst IML Industrial Share Fundpdf, 188 KB
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Sandhurst Industrial Share Fundpdf, 162 KB
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Sandhurst Investment Term Fundpdf, 160 KB
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Sandhurst Select 90 Fundpdf, 160 KB
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Sandhurst Strategic Income Fundpdf, 161 KB
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Secured Green Personal Loanpdf, 164 KB
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Unsecured Green Personal Loanpdf, 70 KB
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Secured Natural Disaster Personal Loanpdf, 50 KB
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Unsecured Natural Disaster Personal Loanpdf, 49 KB
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Secured Personal Loanpdf, 48 KB
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Unsecured Personal Loanpdf, 48 KB
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Secured Student Personal Loanpdf, 135 KB
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Unsecured Student Personal Loanpdf, 49 KB
Products are issued by Bendigo Superannuation Pty Ltd, a subsidiary of Bendigo and Adelaide Bank Limited.
Products for business customers
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Foreign Exchange Call Optionspdf, 209 KB
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Foreign Exchange Collar Optionspdf, 204 KB
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Foreign Exchange Forwardspdf, 186 KB
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Foreign Exchange PUT optionspdf, 208 KB
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Foreign Exchange Savings Accountpdf, 196 KB
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Foreign Exchange Spotpdf, 203 KB
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Foreign Exchange Swapspdf, 228 KB
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Foreign Exchange Term Depositpdf, 225 KB
Products are issued by Sandhurst Trustees Limited, a subsidiary of Bendigo and Adelaide Bank Limited.
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Commercial Flexi Loan interest only - fixed ratepdf, 230 KB
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Commercial Flexi Loan interest only - variable ratepdf, 211 KB
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Commercial Flexi Term Loan principal and interest - fixed ratepdf, 264 KB
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Commercial Flexi Term Loan principal and interest - variable ratepdf, 264 KB
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Commercial Line of Credit - variable ratepdf, 252 KB
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Commercial Term Loan interest only - fixed ratepdf, 210 KB
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Commercial Term Loan interest only - variable ratepdf, 233 KB
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Commercial Term Loan principal and interest - fixed ratepdf, 238 KB
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Commercial Term Loan principal and interest - variable ratepdf, 236 KB
