Mr. John O'Beirne:

The longest currently available is repayable over 30 years. We are considering whether there is more we could do, while being mindful of how we would manage the mortgage repayment over that extended period and ensure it was suitable and appropriate. Senator Paddy Burke is correct that the nature of work and how people are employed is changing. We must ensure we are abreast of that change and providing the service people seek.