Proportion of sales with a loan<2004>65.6<2005>61.5<2006>67.4<2007>74.7<2008>71.5<2009>61.1<2010>60.5<2011>77.2<2012>63.6<2013>62.7<2014>68.2<2015>61.2<2016>60.5<2017>61.1<2018>58.3<2019>71.3<2020>69.8<2021>62.3<2022>71.7<2023>64.5<2024>54.3<2025>54.8 Total Borrowing<2004>190658214<2005>198230414<2006>269703191<2007>282582976<2008>226948256<2009>171253730<2010>186318477<2011>186582380<2012>189417688<2013>185599571<2014>268337567<2015>259415415<2016>285438472<2017>294914965<2018>310861387<2019>348777992<2020>398870747<2021>465278602<2022>472189437<2023>158683372<2024>191625521<2025>304022075 Loan to value 10-19%<2004>6<2005>6<2006>12<2007>15<2008>25<2009>17<2010>16<2011>16<2012>13<2013>18<2014>13<2015>12<2016>19<2017>14<2018>18<2019>25<2020>21<2021>14<2022>14<2023>15<2024>4<2025>14 Loan to value 20-29%<2004>30<2005>25<2006>29<2007>33<2008>33<2009>22<2010>26<2011>21<2012>17<2013>26<2014>35<2015>44<2016>40<2017>28<2018>31<2019>32<2020>31<2021>20<2022>22<2023>14<2024>13<2025>19 Loan to value 30-39%<2004>27<2005>28<2006>37<2007>36<2008>34<2009>19<2010>33<2011>24<2012>18<2013>23<2014>38<2015>34<2016>34<2017>24<2018>32<2019>38<2020>42<2021>46<2022>24<2023>22<2024>14<2025>34 Loan to value 40-49%<2004>28<2005>49<2006>38<2007>52<2008>35<2009>43<2010>47<2011>35<2012>32<2013>42<2014>52<2015>39<2016>41<2017>38<2018>28<2019>51<2020>51<2021>48<2022>48<2023>11<2024>26<2025>39 Loan to value 50-59%<2004>39<2005>72<2006>60<2007>59<2008>67<2009>59<2010>53<2011>49<2012>70<2013>48<2014>73<2015>62<2016>84<2017>66<2018>45<2019>64<2020>61<2021>86<2022>88<2023>23<2024>24<2025>33 Loan to value 60-69%<2004>71<2005>77<2006>64<2007>82<2008>69<2009>86<2010>62<2011>69<2012>65<2013>74<2014>95<2015>98<2016>84<2017>86<2018>78<2019>95<2020>100<2021>104<2022>128<2023>47<2024>39<2025>67 Loan to value 70-79%<2004>91<2005>77<2006>110<2007>111<2008>120<2009>92<2010>101<2011>97<2012>73<2013>81<2014>107<2015>115<2016>125<2017>138<2018>98<2019>164<2020>139<2021>196<2022>193<2023>54<2024>84<2025>107 Loan to value 80-89%<2004>153<2005>121<2006>161<2007>185<2008>128<2009>115<2010>126<2011>123<2012>140<2013>163<2014>199<2015>181<2016>195<2017>213<2018>170<2019>203<2020>222<2021>193<2022>151<2023>70<2024>100<2025>130 Loan to value 90-100%<2004>319<2005>305<2006>387<2007>323<2008>152<2009>54<2010>87<2011>99<2012>114<2013>87<2014>115<2015>117<2016>152<2017>123<2018>101<2019>164<2020>157<2021>190<2022>156<2023>63<2024>82<2025>105