In most cases, lenders structure their home loan products around 25, 30, or even 40 year loan terms. To shorten the loan term you might to apply for a home loan that allows you to make additional repayments with minimal or no penalty, or to make these payments into an offset account that would enable you to reduce your payments while having easy access to these additional funds. It would then be up to you to effectively make these additional payments and pay out your loan earlier than the prescribed maximum period.
An Aussie Broker is able to help you understand whether these options are appropriate for your personal circumstances. They can also assist you in finding out which loans, including those from the big four banks, allow you to do this. This service is part of your free appointment with an expert Aussie broker.