Variables Year mortgage completed, whether dwelling is wholly occupied by borrower, amount and length of mortgage, gross rate of interest, purchase price, whether an option/low-start mortgage, whether mortgage is for 100% of valuation, whether rate of interest is fixed. Whether dwelling is within authority's area, whether new, date built. Applicant's age and sex, annual income, other income, total income on which mortgage is based, whether first time as on owner-occupier, previous tenure. Mortgage code, period code, price code, applicant's age code, income code, region code.