price inflation from the example on page 10. The BoS SAM No. 6 PLC sales booklet is very similar to the BoS SAM No. 4 PLC sales booklet, but most of the example on page 5 has been removed. Barclays Bank shared appreciation mortgages sales booklet On page 5 of the Barclays Bank shared appreciation mortgages sales booklet there are three examples of shared appreciation mortgages. They are based on loans of £15,000, £20,000 and £25,000, an original property valuation of £100,000 and a final property valuation of £150,000. The quoted repayments, including the initial loan and the shared appreciation, but not including any legal fees or other costs, are £37,500, £50,000 and £62,500. These repayments are much less than the repayments that are actually being made.The examples do not give the number of years of the mortgage, but if it is assumed to be 20 years, the average house price inflation of the examples is 2.0% and the APR is 4.7%. Barclays SAMS Limited agreement The agreement between Barclays SAMS Limited (the "Lender") and the "Borrower" states that it is a credit agreement regulated by the Consumer Credit Act 1974. The agreement gives an example of a shared appreciation mortgage, based on a total loan of £20,000, an original property valuation of £120,000, property valuation before redemption of £140,000, and repayment of the loan after just two years. The total loan is 16.6% of the original property valuation and the repayment would be (3 × 16.6% × £20,000) + £20,000 = £29,960 (Barclays' figures), i.e. 21.4% of the final valuation. The average house price inflation is 8.0% and the APR is 22.4%. The percentage ratio of the loan to the final valuation, the average house price inflation, and the APR are distorted by the unrealistically short two-year term of the loan. The repayment of £29,960 is much lower than the repayments that are actually being made. Barclays used a checklist titled "Barclays Mortgage Service" when they were discussing a mortgage with prospective borrowers. "Y/N" was printed against 18 statements for "Y" or "N" to be circled by hand as appropriate. None of the statements included any recommendation to seek legal or other independent advice, or any recommendation to discuss the mortgage with their family. UK House Price Index The UK House Price Index for all property types (detached houses, semi-detached houses, terraced houses, flats and maisonettes) increased from £65,092