It's variable rate, but it's not necessarily as restricted as is being implied. And you can have, say, an interest only period for 10 years and then a 15 year p

It's variable rate, but it's not necessarily as restricted as is being implied. And you can have, say, an interest only period for 10 years and then a 15 year period to pay back, which is not that different from a 30 year mortgage.