Stress Test Data Framework Dictionary 2017: Version 02

Retailmortgageadditionalsegmentation

Enumeration Definition
All mortgages The ‘indexed LTV band’ column will be relevant only when the ‘all mortgages’ value is selected.
LPA rent receiver This is relevant only for BTL mortgages where an (LPA) Landlord Protection Act receiver of rent has been appointed.
Shared equity A mortgage in which the lender owns a share of the property’s equity in exchange for providing a portion of the down payment and thus shares in the proceeds when the property is eventually sold.
Shared ownership A mortgage where the buyer purchases a proportion of the property and has the option to increase their proportional ownership through additional purchases at a later date.