Read the ARAPA side letter carefully and do the sums:
You need to reach you 15 year limit within the defined period ( how many guys actually hit their 15 year limit in that period)?
You have to be on your existing mortgage for the property you are currently in! and you hit your 15 year limit. ( no new property purchases if you read between the lines!)
Not what we want it to be where the 15 years is changed to 25 years.... Its very conditional and only a very select few will qualify.
Scam Scam Scam.