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body19j=! body19k=! body19l=! body19m=! body19n=% BoETotValue;  d;)% EstTotLoans;$ links12.1a;//& links12.1All;//$ links12.1b;//& links12.1BTL;//$ links12.1c;//$ links12.1d;//$ links12.1e;//$ links12.1f;//$ links12.1g;//% links12.1NK;//" links12a;//$ links12All;//" links12b;//$ links12BTL;//" links12c;//" links12d;//" links12e;//" links12f;//" links12g;//# links12NK;//$ links14.1a=....$ links14.1b=....$ links14.1c=....$ links14.1d=....$ links14.1e=....$ links14.1f=....$ links14.1g=....$ links14.1h=....$ links14.1i=....$ links14.1j=....$ links14.1k=....$ links14.1l=....$ links14.1m=....$ links14.1n=...." links14a=...." links14b=...." links14c=...." links14d=...." links14e=...." links14f=...." links14g=...." links14h=...." links14i=...." links14j=...." links14k=...." links14l=...." links14m=...." links14n=....$ links15.1a=....$ links15.1b=....$ links15.1c=....$ links15.1d=....$ links15.1e=....$ links15.1f=....$ links15.1g=....$ links15.1h=....$ links15.1i=....$ links15.1j=....$ links15.1k=....$ links15.1l=....$ links15.1m=....$ links15.1n=...." links15a=...." links15b=...." links15c=...." links15d=...." links15e=...." links15f=...." links15g=...." links15h=...." links15i=...." links15j=...." links15k=...." links15l=...." links15m=...." links15n=....$ links16.1a=....$ links16.1b=....$ links16.1c=....$ links16.1d=....$ links16.1e=....$ links16.1f=....$ links16.1g=....$ links16.1h=....$ links16.1i=.... links16.1j<....$ links16.1k=....$ links16.1l=....$ links16.1m=....$ links16.1n=...." links16a=...." links16b=...." links16c=...." links16d=...." links16e=...." links16f=...." links16g=...." links16h=...." links16i=...." links16j=...." links16k=...." links16l=...." links16m=...." links16n=....$ links17.1a=....$ links17.1b=....$ links17.1c=....$ links17.1d=....$ links17.1e=....$ links17.1f=....$ links17.1g=....$ links17.1h=....$ links17.1i=....$ links17.1j=....$ links17.1k=....$ links17.1l=....$ links17.1m=....$ links17.1n=...." links17a=...." links17b=...." links17c=...." links17d=...." links17e=...." links17f=...." links17g=...." links17h=...." links17i=...." links17j=...." links17k=...." links17l=...." links17m=...." links17n=....$ links18.1a=....$ links18.1b=....$ links18.1c=....$ links18.1d=....$ links18.1e=....$ links18.1f=....$ links18.1g=....$ links18.1h=....$ links18.1i=....$ links18.1j=....$ links18.1k=....$ links18.1l=....$ links18.1m=....$ links18.1n=...." links18a=...." links18b=...." links18c=...." links18d=...." links18e=...." links18f=...." links18g=...." links18h=...." links18i=...." links18j=...." links18k=...." links18l=...." links18m=...." links18n=....$ links19.1a=....$ links19.1b=....$ links19.1c=....$ links19.1d=....$ links19.1e=....$ links19.1f=....$ links19.1g=....$ links19.1h=....$ links19.1i=....$ links19.1j=....$ links19.1k=....$ links19.1l=....$ links19.1m=....$ links19.1n=...." links19a=...." links19b=...." links19c=...." links19d=...." links19e=...." links19f=...." links19g=...." links19h=...." links19i=...." links19j=...." links19k=...." links19l=...." links19m=...." links19n=....  ; * );; "E/ mQuarterQ1loans.NumberIncomePercentInterestofadvancemultiple % of incomeAgeborrowerYearQ4Q2Q3MonthValuemedianUK payments as CML ResearchAdvance}5. Interest payment calculations are net of MIRAS (and previous to this MITR) up until MIRAS was discontinued in April 2000.a6. Affordability calculations are based on averages of calculations for individual transactions.7. Prior to April 2005, estimates of the proportion of first time buyers and movers exclude cases where the previous tenure of buyers is not known. n4. Average figures shown are medians, as this tends to better represent the poisition of the typical borrower.purchase % of total for house0Table ML3 Home movers: lending and affordability0Source: CML/BankSearch Regulated Mortgage Surveyl1. Totals shown are estimates grossed up from the sample of lenders reporting to reflect total market size.{2. All figures from April 2005 onwards are based on Product Sales Data reported to CML. Figures pre-April 2005 are taken jfrom the Survey of Mortgage Lenders. Prior to 1992Q2 (and annually prior to 1993) figures are taken from pthe ɫTV Societies 5% sample of mortgage completions. There are material differences in both the reporting mmethodologies and the sample of contributing lenders for the different surveys. Figures after April 2005 are 4not strictly comparable with those up to that point.[3. Before Q2 1992 figures on loans for house purchase are for all building societies only._8. There is no data available on capital and interest payment as % of income before April 2005.5/6/20082? ?B@>@YBCXcc   4JT ePwH8  dMbP?_*+%M \\CML1-TRU-DOM01\Canon iRC4580< ߁ 4dXA4Canon  X` $Canon iR C4080/C4580 UFR II<Iddd      d d d d d dd@@d  d  d dd d"eddd     d"    @  !"#$%&'()*+,-d.d/dd     ddd !"#$%&d!ddd d!    d H8 4 22h 1 4 22h 1Xd2 Arial\CNZSRGBA.ICC\CNZSRGBA.ICC\CNZSRGBA.ICC CONFIDENTIALCONFIDENTIALHArialDefault SettingsX " PXX??U} `$} ;} ;} ;} `;} ;} ;}  ;} ;} ;} ;}  :    ;   @ @ @ @                        $ ""A""""""" """"""""""   ! ! !! ! ! !  !  !  !  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B. 1.1 4. C. 3.  ).  (.  *.~ $@~ BABX|oM@1-cd@1*4@@Cp@3d@)@( f@*(@ ~ $@~ BAB23-L@1v&@1*4@@C^@3@)γ@(`d@*`@ ~ $@~ BABPg/J@1VP@1*4@@CL@3@)ʵ@(e@*@ ~ $@~ BABʼn)2H@1q!v@1*4A@C@3@) @(`f@*@ ~ $@~ BAB I8H@1q>@1*4A@C@3@)@(g@*@ ~ $@~ Bz AB*B* >I@1L#@1*4A@C@3@)@(`h@*@ ~ $@~ B@xABIJTD H@10u@1*4A@C@3v@) @(@h@*H@ ~ $@~ BHc#ABn:I@1O@1*4A@C@3j@)@(i@*,@ ~ $ @~ B!ABfJ@1@1*4A@C@"@3@)ܺ@(j@*̛@ ~ $@~ B l$ABuJ@1Wԣ@1*4A@C@3L@)@(k@*X@ ~ $@~ BFABiQH@1r)b:@1*4A@C@3O@)@(k@*@ ~ $@~ BAB22EG@1@1*4A@C@3@) @(j@*9@ ~ $@~ BABJ@1^@1*4A@C@3@)@(k@*@ ~ + @+~ DPADvhH@2ViX@2*5A@E@@G)@-0R@,`k@.Л@ ~ $$@~ BZABtF@1DM 3@1*4B@C@3@)@(k@*H@ ~ $(@~ BpABvGF@1/Z@1*4B@C@3@)@(l@*@ Dl<.""@?4xxxxxxxxxxxxxxxxxx ! 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Totals shown are estimates grossed up from the sample of lenders reporting to reflect total market size. ?{2. All figures from April 2005 onwards are based on Product Sales Data reported to CML. Figures pre-April 2005 are taken r 6jfrom the Survey of Mortgage Lenders. Prior to 1992Q2 (and annually prior to 1993) figures are taken from x 6pthe ɫTV Societies 5% sample of mortgage completions. There are material differences in both the reporting u 6mmethodologies and the sample of contributing lenders for the different surveys. Figures after April 2005 are <64not strictly comparable with those up to that point.c@[3. Before Q2 1992 figures on loans for house purchase are for all building societies only.v$n4. Average figures shown are medians, as this tends to better represent the poisition of the typical borrower.$}5. Interest payment calculations are net of MIRAS (and previous to this MITR) up until MIRAS was discontinued in April 2000.i@a6. 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