There is a view that Gen X and Gen Y have little desire to have a 30-year home loan mortgage like their parents. They want options and opportunities to meet their changed investment strategies. To that end our loan terms are structured over multiple rolling periods. At each rollover term there is the option to repay the mortgage in full, without penalty or roll it over for a further term at the then governing interest rate. We however also offer longer term 20-year loan products to suit all customer needs.