<data>
<row _id="1"><Year>2004</Year><Proportion of sales with a loan>65.6</Proportion of sales with a loan><Total Borrowing>190658214</Total Borrowing><Loan to value 10-19%>6</Loan to value 10-19%><Loan to value 20-29%>30</Loan to value 20-29%><Loan to value 30-39%>27</Loan to value 30-39%><Loan to value 40-49%>28</Loan to value 40-49%><Loan to value 50-59%>39</Loan to value 50-59%><Loan to value 60-69%>71</Loan to value 60-69%><Loan to value 70-79%>91</Loan to value 70-79%><Loan to value 80-89%>153</Loan to value 80-89%><Loan to value 90-100%>319</Loan to value 90-100%></row>
<row _id="2"><Year>2005</Year><Proportion of sales with a loan>61.5</Proportion of sales with a loan><Total Borrowing>198230414</Total Borrowing><Loan to value 10-19%>6</Loan to value 10-19%><Loan to value 20-29%>25</Loan to value 20-29%><Loan to value 30-39%>28</Loan to value 30-39%><Loan to value 40-49%>49</Loan to value 40-49%><Loan to value 50-59%>72</Loan to value 50-59%><Loan to value 60-69%>77</Loan to value 60-69%><Loan to value 70-79%>77</Loan to value 70-79%><Loan to value 80-89%>121</Loan to value 80-89%><Loan to value 90-100%>305</Loan to value 90-100%></row>
<row _id="3"><Year>2006</Year><Proportion of sales with a loan>67.4</Proportion of sales with a loan><Total Borrowing>269703191</Total Borrowing><Loan to value 10-19%>12</Loan to value 10-19%><Loan to value 20-29%>29</Loan to value 20-29%><Loan to value 30-39%>37</Loan to value 30-39%><Loan to value 40-49%>38</Loan to value 40-49%><Loan to value 50-59%>60</Loan to value 50-59%><Loan to value 60-69%>64</Loan to value 60-69%><Loan to value 70-79%>110</Loan to value 70-79%><Loan to value 80-89%>161</Loan to value 80-89%><Loan to value 90-100%>387</Loan to value 90-100%></row>
<row _id="4"><Year>2007</Year><Proportion of sales with a loan>74.7</Proportion of sales with a loan><Total Borrowing>282582976</Total Borrowing><Loan to value 10-19%>15</Loan to value 10-19%><Loan to value 20-29%>33</Loan to value 20-29%><Loan to value 30-39%>36</Loan to value 30-39%><Loan to value 40-49%>52</Loan to value 40-49%><Loan to value 50-59%>59</Loan to value 50-59%><Loan to value 60-69%>82</Loan to value 60-69%><Loan to value 70-79%>111</Loan to value 70-79%><Loan to value 80-89%>185</Loan to value 80-89%><Loan to value 90-100%>323</Loan to value 90-100%></row>
<row _id="5"><Year>2008</Year><Proportion of sales with a loan>71.5</Proportion of sales with a loan><Total Borrowing>226948256</Total Borrowing><Loan to value 10-19%>25</Loan to value 10-19%><Loan to value 20-29%>33</Loan to value 20-29%><Loan to value 30-39%>34</Loan to value 30-39%><Loan to value 40-49%>35</Loan to value 40-49%><Loan to value 50-59%>67</Loan to value 50-59%><Loan to value 60-69%>69</Loan to value 60-69%><Loan to value 70-79%>120</Loan to value 70-79%><Loan to value 80-89%>128</Loan to value 80-89%><Loan to value 90-100%>152</Loan to value 90-100%></row>
<row _id="6"><Year>2009</Year><Proportion of sales with a loan>61.1</Proportion of sales with a loan><Total Borrowing>171253730</Total Borrowing><Loan to value 10-19%>17</Loan to value 10-19%><Loan to value 20-29%>22</Loan to value 20-29%><Loan to value 30-39%>19</Loan to value 30-39%><Loan to value 40-49%>43</Loan to value 40-49%><Loan to value 50-59%>59</Loan to value 50-59%><Loan to value 60-69%>86</Loan to value 60-69%><Loan to value 70-79%>92</Loan to value 70-79%><Loan to value 80-89%>115</Loan to value 80-89%><Loan to value 90-100%>54</Loan to value 90-100%></row>
<row _id="7"><Year>2010</Year><Proportion of sales with a loan>60.5</Proportion of sales with a loan><Total Borrowing>186318477</Total Borrowing><Loan to value 10-19%>16</Loan to value 10-19%><Loan to value 20-29%>26</Loan to value 20-29%><Loan to value 30-39%>33</Loan to value 30-39%><Loan to value 40-49%>47</Loan to value 40-49%><Loan to value 50-59%>53</Loan to value 50-59%><Loan to value 60-69%>62</Loan to value 60-69%><Loan to value 70-79%>101</Loan to value 70-79%><Loan to value 80-89%>126</Loan to value 80-89%><Loan to value 90-100%>87</Loan to value 90-100%></row>
<row _id="8"><Year>2011</Year><Proportion of sales with a loan>77.2</Proportion of sales with a loan><Total Borrowing>186582380</Total Borrowing><Loan to value 10-19%>16</Loan to value 10-19%><Loan to value 20-29%>21</Loan to value 20-29%><Loan to value 30-39%>24</Loan to value 30-39%><Loan to value 40-49%>35</Loan to value 40-49%><Loan to value 50-59%>49</Loan to value 50-59%><Loan to value 60-69%>69</Loan to value 60-69%><Loan to value 70-79%>97</Loan to value 70-79%><Loan to value 80-89%>123</Loan to value 80-89%><Loan to value 90-100%>99</Loan to value 90-100%></row>
<row _id="9"><Year>2012</Year><Proportion of sales with a loan>63.6</Proportion of sales with a loan><Total Borrowing>189417688</Total Borrowing><Loan to value 10-19%>13</Loan to value 10-19%><Loan to value 20-29%>17</Loan to value 20-29%><Loan to value 30-39%>18</Loan to value 30-39%><Loan to value 40-49%>32</Loan to value 40-49%><Loan to value 50-59%>70</Loan to value 50-59%><Loan to value 60-69%>65</Loan to value 60-69%><Loan to value 70-79%>73</Loan to value 70-79%><Loan to value 80-89%>140</Loan to value 80-89%><Loan to value 90-100%>114</Loan to value 90-100%></row>
<row _id="10"><Year>2013</Year><Proportion of sales with a loan>62.7</Proportion of sales with a loan><Total Borrowing>185599571</Total Borrowing><Loan to value 10-19%>18</Loan to value 10-19%><Loan to value 20-29%>26</Loan to value 20-29%><Loan to value 30-39%>23</Loan to value 30-39%><Loan to value 40-49%>42</Loan to value 40-49%><Loan to value 50-59%>48</Loan to value 50-59%><Loan to value 60-69%>74</Loan to value 60-69%><Loan to value 70-79%>81</Loan to value 70-79%><Loan to value 80-89%>163</Loan to value 80-89%><Loan to value 90-100%>87</Loan to value 90-100%></row>
<row _id="11"><Year>2014</Year><Proportion of sales with a loan>68.2</Proportion of sales with a loan><Total Borrowing>268337567</Total Borrowing><Loan to value 10-19%>13</Loan to value 10-19%><Loan to value 20-29%>35</Loan to value 20-29%><Loan to value 30-39%>38</Loan to value 30-39%><Loan to value 40-49%>52</Loan to value 40-49%><Loan to value 50-59%>73</Loan to value 50-59%><Loan to value 60-69%>95</Loan to value 60-69%><Loan to value 70-79%>107</Loan to value 70-79%><Loan to value 80-89%>199</Loan to value 80-89%><Loan to value 90-100%>115</Loan to value 90-100%></row>
<row _id="12"><Year>2015</Year><Proportion of sales with a loan>61.2</Proportion of sales with a loan><Total Borrowing>259415415</Total Borrowing><Loan to value 10-19%>12</Loan to value 10-19%><Loan to value 20-29%>44</Loan to value 20-29%><Loan to value 30-39%>34</Loan to value 30-39%><Loan to value 40-49%>39</Loan to value 40-49%><Loan to value 50-59%>62</Loan to value 50-59%><Loan to value 60-69%>98</Loan to value 60-69%><Loan to value 70-79%>115</Loan to value 70-79%><Loan to value 80-89%>181</Loan to value 80-89%><Loan to value 90-100%>117</Loan to value 90-100%></row>
<row _id="13"><Year>2016</Year><Proportion of sales with a loan>60.5</Proportion of sales with a loan><Total Borrowing>285438472</Total Borrowing><Loan to value 10-19%>19</Loan to value 10-19%><Loan to value 20-29%>40</Loan to value 20-29%><Loan to value 30-39%>34</Loan to value 30-39%><Loan to value 40-49%>41</Loan to value 40-49%><Loan to value 50-59%>84</Loan to value 50-59%><Loan to value 60-69%>84</Loan to value 60-69%><Loan to value 70-79%>125</Loan to value 70-79%><Loan to value 80-89%>195</Loan to value 80-89%><Loan to value 90-100%>152</Loan to value 90-100%></row>
<row _id="14"><Year>2017</Year><Proportion of sales with a loan>61.1</Proportion of sales with a loan><Total Borrowing>294914965</Total Borrowing><Loan to value 10-19%>14</Loan to value 10-19%><Loan to value 20-29%>28</Loan to value 20-29%><Loan to value 30-39%>24</Loan to value 30-39%><Loan to value 40-49%>38</Loan to value 40-49%><Loan to value 50-59%>66</Loan to value 50-59%><Loan to value 60-69%>86</Loan to value 60-69%><Loan to value 70-79%>138</Loan to value 70-79%><Loan to value 80-89%>213</Loan to value 80-89%><Loan to value 90-100%>123</Loan to value 90-100%></row>
<row _id="15"><Year>2018</Year><Proportion of sales with a loan>58.3</Proportion of sales with a loan><Total Borrowing>310861387</Total Borrowing><Loan to value 10-19%>18</Loan to value 10-19%><Loan to value 20-29%>31</Loan to value 20-29%><Loan to value 30-39%>32</Loan to value 30-39%><Loan to value 40-49%>28</Loan to value 40-49%><Loan to value 50-59%>45</Loan to value 50-59%><Loan to value 60-69%>78</Loan to value 60-69%><Loan to value 70-79%>98</Loan to value 70-79%><Loan to value 80-89%>170</Loan to value 80-89%><Loan to value 90-100%>101</Loan to value 90-100%></row>
<row _id="16"><Year>2019</Year><Proportion of sales with a loan>71.3</Proportion of sales with a loan><Total Borrowing>348777992</Total Borrowing><Loan to value 10-19%>25</Loan to value 10-19%><Loan to value 20-29%>32</Loan to value 20-29%><Loan to value 30-39%>38</Loan to value 30-39%><Loan to value 40-49%>51</Loan to value 40-49%><Loan to value 50-59%>64</Loan to value 50-59%><Loan to value 60-69%>95</Loan to value 60-69%><Loan to value 70-79%>164</Loan to value 70-79%><Loan to value 80-89%>203</Loan to value 80-89%><Loan to value 90-100%>164</Loan to value 90-100%></row>
<row _id="17"><Year>2020</Year><Proportion of sales with a loan>69.8</Proportion of sales with a loan><Total Borrowing>398870747</Total Borrowing><Loan to value 10-19%>21</Loan to value 10-19%><Loan to value 20-29%>31</Loan to value 20-29%><Loan to value 30-39%>42</Loan to value 30-39%><Loan to value 40-49%>51</Loan to value 40-49%><Loan to value 50-59%>61</Loan to value 50-59%><Loan to value 60-69%>100</Loan to value 60-69%><Loan to value 70-79%>139</Loan to value 70-79%><Loan to value 80-89%>222</Loan to value 80-89%><Loan to value 90-100%>157</Loan to value 90-100%></row>
<row _id="18"><Year>2021</Year><Proportion of sales with a loan>62.3</Proportion of sales with a loan><Total Borrowing>465278602</Total Borrowing><Loan to value 10-19%>14</Loan to value 10-19%><Loan to value 20-29%>20</Loan to value 20-29%><Loan to value 30-39%>46</Loan to value 30-39%><Loan to value 40-49%>48</Loan to value 40-49%><Loan to value 50-59%>86</Loan to value 50-59%><Loan to value 60-69%>104</Loan to value 60-69%><Loan to value 70-79%>196</Loan to value 70-79%><Loan to value 80-89%>193</Loan to value 80-89%><Loan to value 90-100%>190</Loan to value 90-100%></row>
<row _id="19"><Year>2022</Year><Proportion of sales with a loan>71.7</Proportion of sales with a loan><Total Borrowing>472189437</Total Borrowing><Loan to value 10-19%>14</Loan to value 10-19%><Loan to value 20-29%>22</Loan to value 20-29%><Loan to value 30-39%>24</Loan to value 30-39%><Loan to value 40-49%>48</Loan to value 40-49%><Loan to value 50-59%>88</Loan to value 50-59%><Loan to value 60-69%>128</Loan to value 60-69%><Loan to value 70-79%>193</Loan to value 70-79%><Loan to value 80-89%>151</Loan to value 80-89%><Loan to value 90-100%>156</Loan to value 90-100%></row>
<row _id="20"><Year>2023</Year><Proportion of sales with a loan>64.5</Proportion of sales with a loan><Total Borrowing>158683372</Total Borrowing><Loan to value 10-19%>15</Loan to value 10-19%><Loan to value 20-29%>14</Loan to value 20-29%><Loan to value 30-39%>22</Loan to value 30-39%><Loan to value 40-49%>11</Loan to value 40-49%><Loan to value 50-59%>23</Loan to value 50-59%><Loan to value 60-69%>47</Loan to value 60-69%><Loan to value 70-79%>54</Loan to value 70-79%><Loan to value 80-89%>70</Loan to value 80-89%><Loan to value 90-100%>63</Loan to value 90-100%></row>
<row _id="21"><Year>2024</Year><Proportion of sales with a loan>54.3</Proportion of sales with a loan><Total Borrowing>191625521</Total Borrowing><Loan to value 10-19%>4</Loan to value 10-19%><Loan to value 20-29%>13</Loan to value 20-29%><Loan to value 30-39%>14</Loan to value 30-39%><Loan to value 40-49%>26</Loan to value 40-49%><Loan to value 50-59%>24</Loan to value 50-59%><Loan to value 60-69%>39</Loan to value 60-69%><Loan to value 70-79%>84</Loan to value 70-79%><Loan to value 80-89%>100</Loan to value 80-89%><Loan to value 90-100%>82</Loan to value 90-100%></row>
<row _id="22"><Year>2025</Year><Proportion of sales with a loan>54.8</Proportion of sales with a loan><Total Borrowing>304022075</Total Borrowing><Loan to value 10-19%>14</Loan to value 10-19%><Loan to value 20-29%>19</Loan to value 20-29%><Loan to value 30-39%>34</Loan to value 30-39%><Loan to value 40-49%>39</Loan to value 40-49%><Loan to value 50-59%>33</Loan to value 50-59%><Loan to value 60-69%>67</Loan to value 60-69%><Loan to value 70-79%>107</Loan to value 70-79%><Loan to value 80-89%>130</Loan to value 80-89%><Loan to value 90-100%>105</Loan to value 90-100%></row>
</data>
