ChangeGPS Division 7A supports three loan types. Unsecured loans are standard Division 7A complying loans with a maximum term of 7 years. Secured loans are loans secured over real property with a maximum term of 25 years — these must meet the ATO's requirements for a secured complying loan. Pre-1997 loans are loans made before 4 December 1997, which are subject to different Division 7A rules. When you select Pre-1997 as the loan type in Step 2, Division 7A displays a warning advising you to consult the relevant ATO guidelines. The loan term for unsecured and secured loans is set automatically when you select the loan type.