Target Market Determinations

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

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

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