This looks like a great set of data, but being new here, I'm a little confused as to the terminology. What does columns showing data such as "2.9%-M-1.0" as for example in November 2003 mean? I take it M represents the inflation adjusted value of sterling at the time - ie in November 2003 a pound is worth the same as it is now? What does the 2.9% represent, is this the average mortgage rates margin over base rate? Are average mortgage rates shown as fixeds or SVR? If fixed what length of fixed?