Under the Design and Distribution Obligations (DDO) regime introduced in October 2021, every issuer of a regulated financial product must publish a Target Market Determination (TMD) describing the class of consumers the product is designed for, and the conditions under which the product can be distributed.
Londy Loans is a distributor of credit products — we do not issue them. The TMDs below are published by the lenders on our panel; we link to each lender's published TMD here for your reference.
Final wording and link list pending Fintelligence/Ausloans compliance review. Below is the structural scaffold per ASIC RG 274 requirements.
How TMDs apply to our credit assistance
When we assess your file, part of the responsible-lending preliminary assessment includes matching your circumstances to the TMD of any product we recommend. If your situation falls outside a particular lender's target market, we won't recommend that product to you — even if it might otherwise be priced competitively.
This applies to all credit products on our panel: personal loans, car loans, commercial vehicle loans, caravan and boat loans, EV finance, equipment finance, and ABN low-doc finance.
Lender TMDs we currently distribute
The TMDs for the most active lenders on our panel are linked below. Each opens on the lender's own website:
- Westpac — TMDs available at westpac.com.au
- Commonwealth Bank — TMDs available at commbank.com.au
- ANZ — TMDs available at anz.com.au
- NAB — TMDs available at nab.com.au
- Bank of Queensland — TMDs available at boq.com.au
- Pepper Money — TMDs available at peppermoney.com.au
- Liberty Financial — TMDs available at liberty.com.au
- Capital Finance — TMDs available at capitalfinance.com.au
- FinanceOne — TMDs available at financeone.com.au
- Money3 — TMDs available at money3.com.au
- Plenti — TMDs available at plenti.com.au
- Now Finance — TMDs available at nowfinance.com.au
A full list of all 40+ lenders on our panel and their respective TMD pages is available on request. Email david@londy.com.au if you would like a specific TMD pointed out for a product we are recommending to you.
Reporting TMD compliance issues
Londy Loans collects and reports significant dealings outside the TMD to the issuing lender as required under the DDO regime. We also report on complaints relating to our distribution of credit products.
If you believe we have provided you credit assistance for a product that was not appropriate for your target market, please refer to our complaints process.
Updates to this page
This page is current as of April 2026. We update the linked TMD list quarterly and as new lenders join (or leave) our panel.