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, 51 KB
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Residential Investment Home Loan interest only - variable ratepdf, 50 KB
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Residential Investment Home Loan principal and interest - fixed ratepdf, 50 KB
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Residential Investment Home Loan principal and interest - variable ratepdf, 49 KB
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Non-Individual Residential Investment interest only - fixed ratepdf, 97 KB
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Non-Individual Residential Investment interest only - variable ratepdf, 96 KB
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Non-Individual Residential Investment principal and interest - fixed ratepdf, 71 KB
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Non-Individual Residential Investment principal and interest - variable ratepdf, 95 KB
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First Home Guarantee interest only - variable ratepdf, 209 KB
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First Home Guarantee principal and interest - fixed ratepdf, 158 KB
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First Home Guarantee principal and interest - variable ratepdf, 156 KB
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Family Home Guarantee interest only - variable ratepdf, 204 KB
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Family Home Guarantee principal and interest - fixed ratepdf, 185 KB
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Family Home 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, 247 KB
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Bendigo Balanced Index Fundpdf, 306 KB
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Bendigo Balanced Wholesale Fundpdf, 267 KB
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Bendigo Conservative Index Fundpdf, 302 KB
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Bendigo Conservative Wholesale Fundpdf, 262 KB
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Bendigo Defensive Index Fundpdf, 275 KB
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Bendigo Defensive Wholesale Fundpdf, 278 KB
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Bendigo Diversified Fixed Interest Fundpdf, 108 KB
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Bendigo Growth Index Fundpdf, 268 KB
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Bendigo Growth Wholesale Fundpdf, 276 KB
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Bendigo High Growth Index Fundpdf, 278 KB
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Bendigo High Growth Wholesale Fundpdf, 279 KB
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Bendigo Income Generation Fundpdf, 84 KB
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Bendigo Socially Responsible Growth Fundpdf, 262 KB
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Instructions and Key Definitionspdf, 187 KB
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Sandhurst Balanced Fundpdf, 275 KB
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Sandhurst Cash Common Fundpdf, 84 KB
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Sandhurst Conservative Fundpdf, 302 KB
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Sandhurst Future Leaders Fundpdf, 84 KB
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Sandhurst Growth Fundpdf, 243 KB
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Sandhurst IML Industrial Share Fundpdf, 84 KB
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Sandhurst Industrial Share Fundpdf, 59 KB
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Sandhurst Investment Term Fundpdf, 85 KB
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Sandhurst Select Mortgage Fundpdf, 84 KB
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Sandhurst Strategic Income Fundpdf, 85 KB
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Secured Green Personal Loanpdf, 50 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, 49 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.
This product is issued by our telegraphic transfer provider, American Express International Inc. The TMD link will open a PDF document on the American Express website.
Products for business customers
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Business Solutions Term Loan Other Secured interest only - fixed ratepdf, 209 KB
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Business Solutions Term Loan Other Secured interest only - variable ratepdf, 183 KB
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Business Solutions Term Loan Other Secured principal and interest - fixed ratepdf, 210 KB
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Business Solutions Term Loan Other Secured principal and interest - variable ratepdf, 209 KB
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Business Solutions Term Loan Resi Secured interest only - fixed ratepdf, 209 KB
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Business Solutions Term Loan Resi Secured interest only - variable ratepdf, 207 KB
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Business Solutions Term Loan Resi Secured principal and interest - fixed ratepdf, 209 KB
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Business Solutions Term Loan Resi Secured principal and interest - variable ratepdf, 208 KB
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Foreign Exchange Call Optionspdf, 50 KB
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Foreign Exchange Collar Optionspdf, 48 KB
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Foreign Exchange Forwardspdf, 46 KB
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Foreign Exchange PUT optionspdf, 78 KB
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Foreign Exchange Savings Accountpdf, 48 KB
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Foreign Exchange Spotpdf, 46 KB
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Foreign Exchange Swapspdf, 46 KB
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Foreign Exchange Term Depositpdf, 49 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 Sandhurst Trustees Limited, a subsidiary of Bendigo and Adelaide Bank Limited.
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Commercial Flexi Loan interest only - fixed ratepdf, 260 KB
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Commercial Flexi Loan interest only - variable ratepdf, 239 KB
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Commercial Flexi Term Loan principal and interest - fixed ratepdf, 292 KB
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Commercial Flexi Term Loan principal and interest - variable ratepdf, 294 KB
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Commercial Line of Credit - variable ratepdf, 280 KB
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Commercial Term Loan interest only - fixed ratepdf, 242 KB
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Commercial Term Loan interest only - variable ratepdf, 266 KB
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Commercial Term Loan principal and interest - fixed ratepdf, 271 KB
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Commercial Term Loan principal and interest - variable ratepdf, 269 KB
