Rui Lopes, chief executive of Simplefy, says recent lengthening of mortgage repayment terms may be a temporary market response rather than a permanent shift. He argues 100% financing is a pragmatic solution to the widespread shortfall in household savings for deposits, while noting longer terms can mismatch actual housing tenure since borrowers typically do not stay in their first home for the full 30–40 years implied by those mortgages. The remarks highlight trade-offs between short-term access to property and longer-term affordability and risk.