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{"sheet":"Page 1","index":0,"n_rows":33,"n_cols":5,"rows_kept":33,"cut":false,"hidden":false,"merged":[[20,1,20,16],[22,1,22,16],[24,1,24,16],[25,1,25,16],[27,1,27,2]]}
[]
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[null,"Report Date:",null,null,"2016-10-31"]
[null,"Reporting Period:",null,null,"01-October-16 to 31-October-16"]
[null,"Trustee Distribution Date:",null,null,"2016-10-10"]
[null,"Issuer Distribution Date:",null,null,"2016-10-17"]
[]
[]
[null,"Investors (or other appropriate third parties) can register at https://boeportal.co.uk/santanderuk (Internet Explorer version 8 or higher required) to download further disclosures in accordance with the Bank of England Market Notice Detailed eligibility requirements for residential mortgage backed securities and covered bonds backed by residential mortgages dated 30th November 2010."]
[]
[null,"DISCLAIMER: The following document has been prepared by Santander UK.  The document is provided to you for information purposes only.  The document is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  Whilst every effort has been taken to ensure that the document is accurate, current, complete, fit for its intended purpose and compliant with the relevant United Kingdom legislation and regulations as at the date of issue, Santander UK does not warrant that this document is accurate, current, complete, fit for its intended purpose and compliant with the relevant United Kingdom legislation and regulations as errors might occur due to circumstances which are beyond our control.  In particular, Santander UK does not warrant that any market data or prices are complete or accurate.  Any opinions or estimates expressed in the documents may be subject to change without notice and Santander UK is under no obligation to update the opinions or estimates and neither Santander UK nor any of its affiliates accepts any liability whatsoever for any direct or consequential loss arising from any use of this document or its contents.  Please remember that past performance is not necessarily a guide for future performance.  The value of instruments and the income from them can go down as well as up."]
[]
[]
[null,"\n"]
[]
[null,"Contacts:"]
[]
[null,"All queries should be directed to:"]
[]
[]
[null,"Medium Term Funding Team","0207 756 7107","MTF@santander.co.uk"]

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[null,"MAIN PARTIES TO THE STRUCTURE, RATINGS AND TRIGGERS (IF APPLICABLE)"]
[]
[null,"Role","Counterparty","Fitch/Moody's/S&P Long Term Rating ","Fitch/Moody's/S&P Short Term Rating ","Applicable Trigger (loss of)","Consequence"]
[null,"Issuer","Holmes Master Issuer"]
[null,"Funding","Holmes Funding Limited"]
[null,"Mortgages Trustee ","Holmes Trustees Limited"]
[null,"Seller","Santander UK","A / A1 / A","F1 / P-1 / A-1","A3 (Moody's)","Funding required to establish a liquidity reserve fund."]
[null,null,null,null,null,"BBB / Baa2 / BBB","Seller to submit to the Mortgages Trustee, Funding, the Security Trustee and the Rating Agencies draft letters of notice to the Borrowers of sale and purchase of Loans."]
[null,null,null,null,null,"BBB- / Baa3 / BBB-","Completion of legal assignment of Loans to the Mortgages Trustee."]
[null,null,null,null,null,"F2 / P-2 / A-3","New Loans may not be assigned to the Mortgages Trustee."]
[null,null,null,null,null,"F2 / P-2 / A-2","Funding may not offer payments to the Seller to acquire an increased interest in the Trust Property."]
[null,null,null,null,null,"A3 (Moody's)","Independent auditors need to be appointed to determine whether a random selection of Loans and their Related Security constituting the Trust Property complied with the representations and warranties at the date of assignment."]
[null,null,null,null,null,"F1 (Fitch) / A-1 (S&P)","Quarterly (instead of annual) review of the calculation components of the Minimum Seller Share."]
[null,null,null,null,null,"Baa3 (Moody's)","Adjustment to Minimum Seller Share."]
[null,"Servicer","Santander UK","A / A1 / A","F1 / P-1 / A-1","F1 / P-1 / A-1","The title deeds and the customer files relating to the Loans in the Portfolio to be segregated from the title deeds and customer files of other properties and mortgages of the Seller which do not form part of the Portfolio."]
[null,"Cash Manager","Santander UK","A / A1 / A","F1 / P-1 / A-1"]
[null,"Each Start-up Loan Provider","Santander UK","A / A1 / A","F1 / P-1 / A-1"]
[null,"Funding Account Bank A","Bank of New York Mellon","AA+ / Aa1 / AA-","F1+ / P1 / A-1+","A or F1 / P-1 / A or A-1 (or A+ if no ST rating)","Termination of role and transfer of Funding Transaction Account to a financial institution having the required ratings, unless within 30 calendar days: \n(a) a guarantee of the Account Bank A’s obligations is obtained from a financial institution having the required ratings; or \n(b) such other actions required by the Rating Agencies are taken to ensure that the ratings assigned to the outstanding Rated Notes are not adversely affected."]
[null,"Funding Account Bank B","Santander UK","A / A1 / A","F1 / P-1 / A-1"]
[null,null,null,null,null,"A or F1 / P-1 / A or A-1 (or A+ if no ST rating)","Termination of role and transfer of Funding GIC Account to a financial institution having the required ratings, unless within 30 calendar days: \n(a) a guarantee of the Account Bank B’s obligations is obtained from a financial institution having the required ratings; or \n(b) such other actions required by the Rating Agencies are taken to ensure that the ratings assigned to the outstanding Rated Notes are not adversely affected.  \nIf certain conditions are met pursuant to the Panel Bank Guidelines (see Schedule 5 to the Cash Management Agreement) a limited amount of cash may be kept with Santander UK as an Eligible Bank when it is rated below A or F1 / P-1 / A or A-, but no lower than F2 and BBB+ / P-2 / A-2 and BBB+."]
[null,"Mortgage Trust Account Bank","Santander UK","A / A1 / A","F1 / P-1 / A-1","BBB+ or F2 / P-2 / BBB+ or A-2\n","Termination of role and transfer of Mortgages Trustee GIC Account to a financial institution rated A and F1 / P-1 / A and A-1 (or A+ if no ST rating), unless within 30 calendar days: (a) the rights and obligations in respect of the provision of the Mortgages Trustee GIC Account are transferred to a financial institution rated A and F1 / P-1 / A and A-1 (or A+ if no ST rating); or\n(b) a guarantee from a financial institution rated A and F1 / P-1 / A and A-1 (or A+ if no ST rating) is obtained; or\n(c) such other action required by the Rating Agencies is taken to ensure that the ratings assigned to the outstanding Rated Notes are not adversely affected, \nand for each of the remedial actions above, a confirmation from the Ratings Agencies that the outstanding Rated Notes will not be downgraded is also required.  "]
[null,null,null,null,null,"A or F1 / P-1 / A or A-1 (or A+ if no ST rating)","Termination of role and transfer of Mortgages Trustee GIC Account to a financial institution rated A and F1 / P-1 / A and A-1 (or A+ if no ST rating), unless within 60 London Business Days: \n(a) a stand-by arrangement is put in place in respect of the Mortgages Trustee GIC Account with a financial institution rated A and F1 / P-1 / A and A-1 (or A+ if no ST rating); or\n(b) such other action required by the Rating Agencies is taken to ensure that the ratings assigned to the outstanding Rated Notes are not adversely affected, \nand for each of the remedial actions above, a confirmation from the Rating Agencies that the outstanding Rated Notes will not be downgraded is also required."]
[null,null,null,null,null,"A or A-1 (or A+ if no ST rating) (S&P)","Termination of role and transfer of Mortgages Trustee GIC Account to a financial institution rated A and F1 / P-1 / A and A-1 (or A+ if no ST rating), unless within 60 London Business Days: \n(a) the Excess Amount (being the amount by which the monies collected by the Servicer in respect of the Loans and standing to the credit of the Mortgages Trustee GIC Account exceed 5% of the Funding Share) is transferred to a financial institution rated A and A-1 (or A+ if no ST rating) by S&P; or\n(b) such other action required by the Rating Agencies is taken to ensure that the ratings assigned to the outstanding Rated Notes are not adversely affected, \nand for each of the remedial actions above, a confirmation from the Rating Agencies that the outstanding Rated Notes will not be downgraded is also required.  "]
[null,"Issuer Account Bank ","Santander UK","A / A1 / A","F1 / P-1 / A-1","F1 / P-1 / A or A-1 (or A+ if no ST rating)","Termination of Issuer Bank Account Agreement and closure of account, unless within 30 calendar days: \n(a) the relevant Master Issuer Transaction Account and rights and obligations of the Issuer Account Bank are transferred to a financial institution rated A and F1 / P-1 / A and A-1 (or A+ if no ST rating); \n(b) a guarantee of the Issuer Account Bank’s obligations is obtained from a financial institution having the above ratings; or \n(c) such other actions are taken to ensure that the ratings assigned to the outstanding issuing entity rated notes are not adversely affected,\nand for each of the remedial actions above, a confirmation from the Ratings Agencies that the outstanding Rated Notes will not be downgraded is also required.\n"]
[null,"Funding Swap Provider","Santander UK","A / A1 / A","F1 / P-1 / A-1","A or F1 / A2 or P-1 (or A1 if no ST rating) / A or A-1 (A+ if not ST rating) ","Remedial action required including posting collateral with possibility of obtaining guarantee, transferring to eligible transferee or taking such other action as will result in the rating of the relevant Notes being maintained at the same level."]
[null,null,null,null,null,"BBB- or F3 / A3 or P-2 (A3 if no ST rating) / BBB+ ","Further remedial action required including posting/continuing to post collateral with the possibility of obtaining a guarantee, transferring to eligible transferee or taking such other action as will result in the rating of the relevant Notes being maintained at the same level."]
[null,"Issuer Swap Provider","Abbey National Treasury Services plc.","A / A1 / A","F1 / P-1 / A-1","A or F1 / A2 or P-1 (or A1 if no ST rating) / A or A-1 (A+ if no ST rating)","Remedial action required as above."]
[null,null,null,null,null,"BBB- or F3 / A3 or P-2 (A3 if no ST rating) / BBB+ ","Further remedial action required as above."]
[null,"Paying Agent and related roles","Bank of New York Mellon","AA+ / Aa1 / AA-","F1+ / P1 / A-1+"]
[null,"Corporate Services Provider","Wilmington Trust SP Services (London) Limited"]
[null,"Note Trustee and Security Trustee","Bank of New York Mellon"]
[null,"The table above is a brief overview only.  For a more detailed summary, please consult pages 60 to 68 (Rating Triggers Table) of the base prospectus.  Investors are also advised to consult the underlying Transaction Documents to understand the precise legal terms and conditions associated with the roles listed above and the rating triggers summarised above."]

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[]
[null,"COLLATERAL REPORT"]
[]
[null,"Mortgage Loan Profile",null,null,null,null,null,null,null,"Trust Assets"]
[]
[null,"Original number of Mortgage Loans in Pool",null,null,null,115191,null,null,null,"Current value of Mortgage Loans in Pool at 01 October 2016",null,null,null,5893756714.8699999]
[null,"Original current value of Mortgage Loans in Pool",null,null,null,6399214137.6800003,null,null,null,"Last months Closing Trust Assets at 01 September 2016",null,null,null,6013362000.0600004]
[null,"Current number of Mortgage Loans in Pool at 31-October-2016",null,null,null,63540,null,null,null,"Mortgage collections - Interest on 01 October2016",null,null,null,15812693.529999999]
[null,"Current £ value of Mortgage Loans in Pool at 31-October-2016",null,null,null,5773672987.4300003,null,null,null,"Mortgage collections - Principal (Scheduled) on 01 October 2016",null,null,null,34887864.270001411]
[null,"Weighted Average Yield on 10-October-2016",null,null,null,3.2015511902533156E-2,null,null,null,"Mortgage collections - Principal (Unscheduled) on 01 October 2016",null,null,null,84226258.209998593]
[null,null,null,null,null,null,null,null,null,"Principal Ledger as calculated on 10 October 2016",null,null,null,469094254.35000002]
[null,null,null,null,null,null,null,null,null,"Funding Share as calculated on 30 September 2016",null,null,null,3441277422.0299983]
[null,null,null,null,null,null,null,null,null,"Funding Share % as calculated on 30 September 2016",null,null,null,0.5722718]
[null,null,null,null,null,null,null,null,null,"Seller Share as calculated on 30 September 2016",null,null,null,2572084578.0300021]
[null,null,null,null,null,null,null,null,null,"Seller Share % as calculated on 30 September 2016",null,null,null,0.4277282]
[null,null,null,null,null,"`",null,null,null,"Minimum Seller Share (Amount) 30 September 2016"]
[null,null,null,null,null,null,null,null,null,"W",null,null,null,256020286.41999999]
[null,null,null,null,null,null,null,null,null,"X",null,null,null,259325295.45427999]
[null,null,null,null,null,null,null,null,null,"Y",null,null,null,202607037.51600003]
[null,null,null,null,null,null,null,null,null,"Z",null,null,null,0]
[null,null,null,null,null,null,null,null,null,"AA",null,null,null,61653.88]
[null,null,null,null,null,null,null,null,null,"W + X + Y + Z + AA =",null,null,null,718014273.27028]
[null,null,null,null,null,null,null,null,null,"Minimum Seller Share (% of Total) on 01 October 2016",null,null,null,0.12182624903038901]
[]
[null,"Arrears Analysis of Non Repossessed Mortgage Loans at 31 October 2016",null,"Number","Current Balance\n£","Arrears \n£","By Number\n%","By Current Balance\n%"]
[null,"Less than 1 month in arrears",null,63205,5741663787.9499998,0,99.472773056342461,99.445600754499111]
[null,"1<=2 months in arrears",null,278,26366839.84,203698.48,0.43751967264715136,0.45667359231123528]
[null,"2<=3 months in arrears",null,57,5642359.6399999997,71072.77,8.9707271010387155E-2,9.7725653189644004E-2]
[null,"3<=4 months in arrears",null,0,0,0,0,0]
[null,"4<=5 months in arrears",null,0,0,0,0,0]
[null,"5<=6 months in arrears",null,0,0,0,0,0]
[null,"6<=7 months in arrears",null,0,0,0,0,0]
[null,"7<=8 months in arrears",null,0,0,0,0,0]
[null,"8<=9 months in arrears",null,0,0,0,0,0]
[null,"9<=10 months in arrears",null,0,0,0,0,0]
[null,"10<=11 months in arrears",null,0,0,0,0,0]
[null,"11<=12 months in arrears",null,0,0,0,0,0]
[null,"More than 12 months in arrears",null,0,0,0,0,0]
[null,"Total",null,63540,5773672987.4300003,274771.25,100,99.999999999999986]
[]
[]
[null,"Arrears Capitalised at 31 October 2016",null,"Number","Current Balance","Capitalised Amount"]
[null,null,null,null,"£","£"]
[]
[null,"Capitalisation cases (in month)",null,1,106158.08,3544.79]
[null,"Capitalisation cases (cumulative) *",null,1232,117724008.62,1592649.4060000011]
[]
[null,"*Includes properties in possession cases, cases no longer in arrears but excludes any Loans repurchased from the Portfolio or Loans that have been redeemed since May 2008.  "]
[]
[null,"Losses on Properties in Possession at  31 October 2016",null,"Number","Loss Amount"]
[null,null,null,null,"£"]
[]
[null,"Total loss on sale brought forward",null,2234,71745264.419999972]
[null,"Losses recorded this period",null,0,0]
[null,"Total loss on sale carried forward",null,2234,71745264.419999972]
[null,"Recoveries*",null,56,85239]
[]
[null,"*This figure represents all live cases and would therefore exclude cases that have been closed due to bankruptcy."]
[]
[null,"Properties in Possession at 31 October 2016",null,"Number","Current Balance"]
[null,null,null,null,"£"]
[]
[null,"Total properties in possession since inception",null,4539,530849819.09000033]
[]
[null,"Repossessed (in month)",null,0,0]
[null,"Sold (in month)",null,0,0]
[null,"Current number in possession",null,0,0]
[]
[null,"Total properties sold since inception",null,4539,530849819.09000033]

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[]
[null,"Product Breakdown",null,"Number","%","Current balance","%",null,"Substitution, redemptions and repurchases during period 01 September 2016- 01 October 2016","Number of accounts","Current balance"]
[null,"(By Balance)",null,"of accounts","by number","£","by balance",null,null,"this period","this period"]
[null,"Discounted SVR Loans",null,231,0.36355051935788479,6245676.0300000003,0.10817509137766564,null,null,null,"£"]
[null,"Fixed Rate Loans",null,3995,6.2873780295876616,340792276.50999999,5.9025212763512389,null,"Substitution & Top up",0,0]
[null,"Bank of England Base Rate Tracker Loans",null,29009,45.654705697198615,2831568520.5700002,49.042758859649219,null,"Redeemed this period",356,37657221.739998579]
[null,"Standard Variable Loans",null,30305,47.694365753855841,2595066514.3200002,44.946544772621877,null,"Repurchases this period (including arrears)*",404,46569036.470000014]
[null,"Unknown",null,0,0,0,0,null,"Arrears repurchased this period*",116,11363565.149999999]
[null,"Total",null,63540,100,5773672987.4300003,100,null,"Cumulative arrears repurchased*",7411,814855957.92999995]
[null,null,null,null,null,null,null,null,"* “Arrears” for this purpose means, in respect of a Loan, on any date that two or more Monthly Payments have become due and remain unpaid by the relevant Borrower, and this reporting line relates to repurchases under clause 8.11 of the Mortgage Sale Agreement.  "]
[]
[null,"Payment Type",null,"Number","%","Current balance","%"]
[null,"(By Balance)",null,"of accounts","by number","£","by balance",null,"PPR/CPR Analysis* 01 September 2016- 01 October 2016","1 Month","1 Month Annualised","3 Month Average ","3 Month Annualised","12 Month Average"]
[null,"Interest only and Combined repayment & int-only",null,27933,43.961284230406044,3649112868.21,63.202624675047744,null,null,"%","%","%","%","%"]
[null,"Repayment",null,35607,56.038715769593964,2124560119.22,36.797375324952242,null,"Total (including unscheduled repayments and repurchases from the Mortgages Trust)"]
[null,"Total",null,63540,100,5773672987.4300003,99.999999999999986,null,"Current month",1.9808240794219834E-2,0.21343872070235903,2.0994711356477642E-2,0.23228470703927184,0.21646070034244391]
[null,null,null,null,null,null,null,null,"Previous month",2.1665638550147803E-2,0.23113925679487124,2.2074785959418735E-2,0.23541648814253979,0.21741066600666481]
[null,null,null,null,null,null,null,null,"Unscheduled repayments and repurchases from the Mortgages Trust only"]
[null,"Use Of Proceeds",null,"Number","%","Current balance","%",null,"Current month",1.4088253339724265E-2,0.15655553487479812,1.4643087703868426E-2,0.16225065875566702,0.15748186234131686]
[null,"(By Balance)",null,"of accounts","by number","£","by balance",null,"Previous month",1.5133875028995764E-2,0.16722745505195435,1.5075999320091606E-2,0.16581197681728721,0.15926732363303683]
[null,"Remortgage",null,38149,60.039345294302805,3282395071.6399999,56.85107346374101,null,"*As of February 2014 the definitions and calculations for PPR/CPR have been amended to align the reporting between all Santander UK secured funding structures."]
[null,"House Purchase",null,25391,39.960654705697195,2491277915.79,43.148926536258983,null,"Standard Variable Rate - Applicable to underwritten Santander UK mortgages"]
[null,"Unknown",null,0,0,0,0,null,"Standard Variable Rate - Applicable to underwritten Santander UK mortgages"]
[null,"Total",null,63540,100,5773672987.4300003,100]
[null,null,null,null,null,null,null,null,"Existing Borrowers SVR",4.4900000000000002E-2]
[null,null,null,null,null,null,null,null,"Effective date of change","2016-09-01"]
[null,"Analysis of Mortgage loan size at reporting date",null,"Number","%","Current balance","%",null,"Previous existing Borrowers SVR",4.7399999999999998E-2]
[null,"£",null,"of accounts","by number","£","by balance",null,"Effective date of change","2012-10-03"]
[null,"0 to <=50,000",null,24885,39.164305949008501,594310790.05999994,10.293461222239083]
[null,">50,000 to <=100,000",null,16718,26.310985206169342,1218252338.24,21.100127092273599]
[null,">100,000 to <=150,000",null,10350,16.288951841359772,1272346920.9400001,22.0370451133976]
[null,">150,000 to <=200,000",null,5677,8.9345294302801381,976459673.41999996,16.912278813605713]
[null,">200,000 to <=250,000",null,2670,4.2020774315391876,593681462.87,10.282561277067785]
[null,">250,000 to <=300,000",null,1327,2.0884482215926972,361788253.92000002,6.2661715463909671]
[null,">300,000 to <=350,000",null,759,1.1945231350330501,244363379.86000001,4.232373055973369]
[null,">350,000 to <=400,000",null,458,0.72080579162732139,170591977.58000001,2.954652574737084]
[null,">400,000 to <=450,000",null,263,0.41391249606547059,110757385.83,1.9183176129152535]
[null,">450,000 to <=500,000",null,193,0.3037456720176267,91773594.890000001,1.5895184069101671]
[null,">500,000 to <=550,000",null,108,0.16997167138810199,55709825.060000002,0.96489401428323307]
[null,">550,000 to <=600,000",null,44,6.9247717972930445E-2,25338187.48,0.43885733631198665]
[null,">600,000 to <=650,000",null,41,6.4526282656594269E-2,25508409.300000001,0.44180557775847296]
[null,">650,000 to <=700,000",null,21,3.3050047214353166E-2,14062004.210000001,0.24355387360203323]
[null,">700,000 to <=750,000",null,26,4.091910607491344E-2,18728783.77,0.32438248253364671]
[null,"> 750,000",null,0,0,0,0]
[null,"Total",null,63540,100,5773672987.4300003,100]
[null,"As at the report date, the maximum loan size was £ 749,000.00, the minimum loan size was £ 0.00 and the average loan size was £ 90,866.75."]
[]
[]
[null,"Geographical Analysis By Region",null,"Number","%","Current balance","%"]
[null,null,null,"of accounts","by number","£","by balance"]
[null,"East Anglia",null,2305,3.6276361347182879,203025007.41999999,3.5163925608881992]
[null,"East Midlands",null,3599,5.6641485678312877,275427590.83999997,4.7704051032962882]
[null,"London",null,9638,15.16839785961599,1201739765.5,20.814129378583374]
[null,"North",null,2661,4.1879131255901791,167689787.68000001,2.9043866537831535]
[null,"North West",null,7936,12.489770223481271,567656529.73000002,9.8318095078446319]
[null,"Scotland",null,4783,7.5275417060119612,307496603.88,5.3258403194891386]
[null,"South East",null,15735,24.76392823418319,1711543670.0899999,29.643931580750106]
[null,"South West",null,5199,8.1822474032105763,498582263.72000003,8.6354434136722897]
[null,"Yorkshire and Humberside",null,4236,6.666666666666667,288644858.35000002,4.9993281396160736]
[null,"Wales",null,3292,5.1809883537928858,238057307.53,4.123151900848562]
[null,"West Midlands",null,4156,6.5407617248977017,313809602.69,5.4351814412281794]
[null,"Unknown",null,0,0,0,0]
[null,"Total",null,63540,100.00000000000001,5773672987.4300003,99.999999999999986]

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[]
[null,"Remaining Term","Number","%","Current balance","%",null,"Indexed Current Loan to Value","Number","%","Current balance","%"]
[null,null,"of accounts","by number","£","by balance",null,"Using current capital balance and HPI indexed latest valuation ","of accounts","by number","£","by balance"]
[null,"0 to <5",13116,20.642115203021717,704232354,12.197302402356366,null,">0% =<25%",24874,39.146994019515262,817981079.03999996,14.167430002025505]
[null,">= 5 to < 10",17237,27.127793515895497,1316123757.95,22.795259808017601,null,">25% =<50%",20247,31.864966949952784,1976171919.25,34.22729211634207]
[null,">= 10 to < 15",19895,31.310985206169338,2041603615.3199999,35.360568909337665,null,">50% =<75%",15155,23.851117406358199,2381075981.1199999,41.240229335881978]
[null,">=15 to < 20",10669,16.790997796663518,1371053312.4100001,23.746639537690349,null,">75% =<80%",1998,3.1444759206798865,368429195.44999999,6.381192635123532]
[null,">= 20 to < 25",2004,3.153918791312559,253347006.78999999,4.3879694492841512,null,">80% =<85%",1052,1.6556499842618824,194165667.44999999,3.3629488173771303]
[null,">= 25 to < 30",390,0.6137865911237016,55245836.159999996,0.95685772783247347,null,">85% =<90%",193,0.3037456720176267,31825392.370000001,0.55121570686957544]
[null,">= 30 to < 35",229,0.3604028958136607,32067104.800000001,0.5554021654813851,null,">90% =<95%",12,1.8885741265344664E-2,1860399.9,3.2222121066612548E-2]
[null,">= 35 to < 40",0,0,0,0,null,">95%",8,1.2590494176896444E-2,2133883.75,3.6958860583994439E-2]
[null,">= 40 to < 45",0,0,0,0,null,"Unknown",1,1.5738117721120555E-3,29469.1,5.1040472960900071E-4]
[null,">= 45",0,0,0,0,null,"Total",63540,100,5773672987.4299994,99.999999999999986]
[null,"Unknown",0,0,0,0,null,"As at the report date, the maximum indexed LTV was 139.18, the minimum indexed LTV was 0.00 and the weighted average indexed LTV was 49.12."]
[null,"Total",63540,100,5773672987.4300003,100]
[null,"As at the report date, the maximum remaining term for a loan was 414.00 months, the minimum remaining term was 0 months and the weighted average remaining term was 141.63 months."]
[null,null,null,null,null,null,null,"Loan to Value at Last Valuation","Number","%","Current balance","%"]
[null,null,null,null,null,null,null,"Using current capital balance and unindexed latest valuation ","of accounts","by number","£","by balance"]
[null,"Seasoning","Number","%","Current balance","%",null,">0% =<25%",18309,28.81491973559962,457450888.20999998,7.9230481048359893]
[null,null,"of accounts","by number","£","by balance",null,">25% =<50%",17575,27.65974189486937,1329008708.9200001,23.018427122793696]
[null,"0 to <6",0,0,0,0,null,">50% =<75%",16962,26.694995278564683,2206291039.8600001,38.212954641930168]
[null,">= 6 to < 12",29,4.5640541391249609E-2,5754833.6399999997,9.9673702555184263E-2,null,">75% =<80%",3345,5.2644003777148249,545300495.63,9.4446030597366128]
[null,">= 12 to < 18",101,0.15895498898331759,17937130.5,0.31067105011058566,null,">80% =<85%",2331,3.6685552407932009,399046558.13,6.911485271139771]
[null,">= 18 to < 24",77,0.12118350645262826,11718475.539999999,0.20296396358977326,null,">85% =<90%",2335,3.6748504878816495,414771689.69999999,7.1838445059671603]
[null,">= 24 to < 30",55,8.6559647466163042E-2,7840475.0999999996,0.13579700681125662,null,">90% =<95%",1499,2.3591438463959711,263516395.56999999,4.5641032345217294]
[null,">= 30 to < 36",55,8.6559647466163042E-2,7301229.2300000004,0.12645726985050385,null,">95%",1171,1.8429335851432169,157659780.41,2.7306669559090868]
[null,">= 36 to < 42",56,8.8133459238275105E-2,6790148.25,0.11760534870580638,null,"Unknown",13,2.045955303745672E-2,627431,1.0867103165800956E-2]
[null,">= 42 to < 48",136,0.21403840100723956,12903087.41,0.22348143786618363,null,"Total",63540,99.999999999999986,5773672987.4299994,100]
[null,">=48 to < 54",1481,2.3308152344979538,139648877.27000001,2.4187181638799582,null,"As at the report date, the maximum unindexed LTV was 216.57, the minimum unindexed LTV was 0.00 and the weighted average unindexed LTV was 60.73."]
[null,">=54 to < 60",837,1.3172804532577904,93908446.629999995,1.6264940330782556]
[null,">= 60 to < 66",1025,1.6131570664148567,110392554.44,1.9119987342604654]
[null,">= 66 to < 72",1208,1.9011646207113628,123058472.68000001,2.1313724027653373,null,"Original Loan to Value at Last Valuation","Number","%","Current balance","%"]
[null,">= 72 to < 78",1238,1.9483789738747246,129931404.83,2.2504115683876926,null,"Using original balance and valuation amount","of accounts","by number","£","by balance"]
[null,">= 78 to < 84",604,0.95058231035568141,59350862.039999999,1.0279567645970626,null,">0% =<25%",5215,8.2074283915643687,209350496.99000001,3.6259500225555201]
[null,">= 84 to < 90",1342,2.1120553981743786,125406092.51000001,2.1720331716573593,null,">25% =<50%",15450,24.315391879131258,893123626.84000003,15.468898719834682]
[null,">= 90 to < 96",1624,2.555870317909978,160344823.61000001,2.7771718966261258,null,">50% =<75%",22685,35.701920050361977,2185245436.8099999,37.848444855944379]
[null,">= 96 to < 102",2671,4.2036512433112998,335420329.83999997,5.809479175045964,null,">75% =<80%",5448,8.5741265344664779,674161334.55999994,11.67647242972944]
[null,">= 102 to < 108",4143,6.5203021718602452,574542951.60000002,9.9510823153796757,null,">80% =<85%",4400,6.9247717972930429,567022976.01999998,9.8208363593587507]
[null,">= 108 to < 114",6359,10.00786905886056,721758592.59000003,12.500856805734545,null,">85% =<90%",6229,9.8032735284859935,813958308.27999997,14.097755623709343]
[null,">= 114 to < 120",5281,8.3112999685237643,557961448.05999994,9.663890720426167,null,">90% =<95%",4100,6.4526282656594267,430183376.93000001,7.4507748857020912]
[null,">= 120 to < 126",5760,9.0651558073654392,568717911.26999998,9.8501926331499767,null,">95%",0,0,0,0]
[null,">= 126 to < 132",4049,6.3723638652817121,363824436.85000002,6.3014382290457194,null,"Unknown",13,2.045955303745672E-2,627431,1.0867103165800956E-2]
[null,">= 132 to < 138",3180,5.0047214353163358,263846649.97999999,4.5698232399795904,null,"Total",63540,100,5773672987.4299994,100.00000000000001]
[null,">= 138 to < 144",2535,3.9896128423040604,197055507.09999999,3.4130008320355905,null,"As at the report date, the maximum original LTV was 95.00,the minimum LTV at origination was 0.12 and the weighted average LTV at origination was 67.31."]
[null,">= 144 to < 150",3042,4.7875354107648729,214800161.78999999,3.7203382016551081]
[null,">= 150 to < 156",3465,5.453257790368272,230738054.87,3.9963824652408499]
[null,">= 156 to < 162",3011,4.7387472458293987,195416238.91,3.3846087115679282]
[null,">= 162 to < 168",2557,4.0242367012905254,150945781.66999999,2.6143805165035783]
[null,">= 168 to < 174",2579,4.0588605602769912,134282255.33000001,2.3257682868833949]
[null,">= 174 to < 180",1674,2.6345609065155808,86715966.439999998,1.5019202962965064]
[null,">= 180",3366,5.2974504249291785,165359787.44999999,2.8640310563138702]
[null,"Total",63540,100,5773672987.4299994,100]
[null,"As at the report date, the maximum seasoning for a loan was 254.00 months, the minimum seasoning was 9.00 months and the weighted average seasoning was 117.71 months."]

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["z"]
[null,"LOAN NOTE REPORT"]
[]
[]
[null,"Closing Date","2010-11-12",null,null,null,null,null,null,"Series 2010-1 Notes"]
[]
[null,"2010-1","ISIN (Reg S)","ISIN (144a)","Current Ratings\nS&P/Moody's/Fitch","Original Ratings\nS&P/Moody's/Fitch","Currency","Applicable Exchange Rate","Original Balance","Repaid","Outstanding","Reference rate","Margin p.a.%","Current interest rate p.a.%","Accrual Period","Next coupon date","Interest next coupon","Step up Date","Legal Maturity","Bond Type"]
[]
[null,"A1","XS0557834545","US43641NBB91","A1+/P-1/F1+","A1+/P-1/F1+","USD",1.629,500000000,-500000000,0,"1M USD LIBOR",1.5E-3,null,"-","-","-","n/a","2011-10-01","Bullet"]
[null,"A2","XS0557834628","US43641NBC74","AAA/Aaa/AAA","AAA/Aaa/AAA","USD",1.6279999999999999,900000000,-900000000,0,"3M USD LIBOR",1.4E-2,null,"-","-","-","2014-04-01","2054-10-01","Sched AM"]
[null,"A3","XS0557834891","XS0557834974","AAA/Aaa/AAA","AAA/Aaa/AAA","EUR",1.1412919424788861,500000000,-500000000,0,"3M EURIBOR",1.4E-2,null,"-","-","-","2014-04-01","2054-10-01","Sched AM"]
[null,"A4","XS0557835195","XS0557835278","AAA/Aaa/AAA","AAA/Aaa/AAA","EUR",1.1412919424788861,750000000,-750000000.25,-0.25,"3M EURIBOR",1.4999999999999999E-2,null,"-","-","-","2016-01-01","2054-10-01","Sched AM"]
[null,"A5","XS0557835351","XS0557835435","AAA/Aaa/AAA","AAA/Aaa/AAA","GBP","-",375000000,0,375000000,"GBP FIXED",0,4.0090000000000001E-2,"15/10/2016 -  15/04/2017","2017-04-18",7516875,"2017-10-01","2054-10-01","Bullet"]
[null,"Z","XS0557835518","n/a","n/a","n/a","GBP","-",600000000,-600000000,0,"3M GBP LIBOR",8.9999999999999993E-3,"-","-","-","-","n/a","2054-10-01","P-Through"]
[]
[]
[]
[]
[null,"Closing Date","2011-09-21",null,null,null,null,null,null,"Series 2011-3 Notes"]
[]
[null,"2011-3","ISIN (Reg S)","ISIN (144a)","Current Ratings\nS&P/Moody's/Fitch","Original Ratings\nS&P/Moody's/Fitch","Currency","Applicable Exchange Rate","Original Balance","Repaid","Outstanding","Reference rate","Margin p.a.%","Current interest rate p.a.%","Accrual Period","Next coupon date","Interest next coupon","Step up Date","Legal Maturity","Bond Type"]
[]
[null,"A1","XS0679914787","US43641NBG88","A-1+/P-1/F1+","A-1+/P-1/F1+","USD",1.5793999999999999,500000000,-500000000,0,"1M USD LIBOR",1.2999999999999999E-3,null,"-","-","-","n/a","2012-07-01","Bullet"]
[null,"A2","XS0679914860","US43641NBH61","AAA/Aaa/AAA","AAA/Aaa/AAA","USD",1.5767500000000001,2000000000,-2000000000,0,"3M USD LIBOR",1.55E-2,null,"-","-","-","2015-01-01","2054-10-01","Sched AM"]
[null,"A3","XS0679918853","XS0679922889","AAA/Aaa/AAA","AAA/Aaa/AAA","EUR",1.1458691417440128,200000000,-200000000,0,"3M EURIBOR",1.4E-2,null,"-","-","-","2015-01-01","2054-10-01","Sched AM"]
[null,"A4","XS0679914944","XS0679923937","AAA/Aaa/AAA","AAA/Aaa/AAA","GBP","-",165000000,-165000000,0,"3M GBP LIBOR",1.6500000000000001E-2,"-","-","-","-","2016-10-01","2054-10-01","Sched AM"]
[null,"A5","XS0679915081","US43641NBL73","AAA/Aaa/AAA","AAA/Aaa/AAA","USD",1.58,500000000,0,500000000,"USD FIXED",0,3.6150000000000002E-2,"15/07/2016 - 15/01/2017","2017-01-17",9037500,"2019-01-01","2054-10-01","Sched AM"]
[null,"A6","XS0679915164","US43641NBM56","AAA/Aaa/AAA","AAA/Aaa/AAA","USD",1.58,250000000,0,250000000,"3M USD LIBOR",1.7500000000000002E-2,2.6300000000000004E-2,"17/10/2016 - 17/01/2017","2017-01-17",1680277.78,"2019-01-01","2054-10-01","Sched AM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,".","#"]
[]
[]
[]
[null,"Closing Date","2012-01-25",null,null,null,null,null,null,"Series 2012-1 Notes"]
[]
[null,"2012-1","ISIN (Reg S)","ISIN (144a)","Current Ratings\nS&P/Moody's/Fitch","Original Ratings\nS&P/Moody's/Fitch","Currency","Applicable Exchange Rate","Original Balance","Repaid","Outstanding","Reference rate","Margin p.a.%","Current interest rate p.a.%","Accrual Period","Next coupon date","Interest next coupon","Step up Date","Legal Maturity","Bond Type"]
[]
[null,"A1","XS0736418459","US43641NBN30","A-1+/P-1/F1+","A-1+/P-1/F1+","USD",1.5410013739999999,500000000,-500000000,0,"1M USD LIBOR",2E-3,null,"-","-","-","n/a","2013-01-01","Bullet"]
[null,"A2","XS0736397604","US43641NBP87","AAA/Aaa/AAA","AAA/Aaa/AAA","USD",1.5383500000000001,500000000,-500000000,0,"3M USD LIBOR",1.6500000000000001E-2,null,"-","-","-","2015-04-01","2054-10-01","Sched AM"]
[null,"A3","XS0736398834","XS0739241205","AAA/Aaa/AAA","AAA/Aaa/AAA","EUR",1.2026819808172224,1200000000,-1200000000,0,"3M EURIBOR",1.55E-2,null,"-","-","-","2015-04-01","2054-10-01","Sched AM"]
[null,"A4","XS0736398917","XS0739241114","AAA/Aaa/AAA","AAA/Aaa/AAA","GBP","-",175000000,-175000000,0,"3M GBP LIBOR",1.7500000000000002E-2,null,"-","-","-","2015-04-01","2054-10-01","Sched AM"]
[null,"A5","XS0736399055","XS0739240819","AAA/Aaa/AAA","AAA/Aaa/AAA","JPY",118,20000000000,-20000000000,0,"3M JPY LIBOR",1.2500000000000001E-2,null,"-","-","-","2015-04-01","2054-10-01","Sched AM"]
[null,"A6","XS0736399139","XS0739240900","AAA/Aaa/AAA","AAA/Aaa/AAA","GBP","-",215000000,-97057142.840000004,117942857.16,"3M GBP LIBOR",1.8499999999999999E-2,2.2509999999999999E-2,"17/10/2016 - 17/01/2017","2017-01-17",667668.31000000006,"2017-07-01","2054-10-01","Sched AM"]
[null,"Z","XS0737122464","n/a","n/a","n/a","GBP","-",610000000,-610000000,0,"3M GBP LIBOR",8.9999999999999993E-3,"-","-","-","-","n/a","2054-10-01","P-Through"]

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[]
[null,"LOAN NOTE REPORT"]
[]
[]
[null,"Closing Date","19/04/2012",null,null,null,null,null,null,"Series 2012-2 Notes"]
[]
[null,"2012-2","ISIN (Reg S)","ISIN (144a)","Current Ratings\nS&P/Moody's/Fitch","Original Ratings\nS&P/Moody's/Fitch","Currency","Applicable Exchange Rate","Original Balance","Repaid","Outstanding","Reference rate","Margin p.a.%","Current interest rate p.a.%","Accrual Period","Next coupon date","Interest next coupon","Step up Date","Legal Maturity","Bond Type"]
[]
[null,"A1","XS0773322606","n/a","AAA/Aaa/AAA","AAA/Aaa/AAA","USD",1.5920000000000001,1250000000,-382714285.71000004,867285714.28999996,"3M USD LIBOR",1.55E-2,2.4300000000000002E-2,"17/10/2016 - 17/01/2017","2017-01-17",5385844.29,"2017-10-15","2054-10-01","Sched AM"]
[null,"Z","XS0773322788","n/a","n/a","n/a","GBP","-",175000000,-175000000,0,"3M GBP LIBOR",8.9999999999999993E-3,"-","-","-","-","n/a","2054-10-01","P-Through"]
[]
[]
[]
[]
[null,"Closing Date","2012-06-08",null,null,null,null,null,null,"Series 2012-3 Notes"]
[]
[null,"2012-3","ISIN (Reg S)","ISIN (144a)","2014-01-08","Original Ratings\nS&P/Moody's/Fitch","Currency","Applicable Exchange Rate","Original Balance","Repaid","Outstanding","Reference rate","Margin p.a.%","Current interest rate p.a.%","Accrual Period","Next coupon date","Interest next coupon","Step up Date","Legal Maturity","Bond Type"]
[]
[null,"A1","XS0790113475","XS0790113632","AAA/Aaa/AAA","AAA/Aaa/AAA","GBP","-",515000000,-149155146.65999997,365844853.34000003,"3M GBP LIBOR",1.55E-2,1.951E-2,"17/10/2016 - 17/01/2017","2017-01-17",1795014.01,"2017-10-15","2054-10-01","Sched AM"]
[null,"B1","XS0790113558","US43641NBU72","AA/Aa3/AA","AA/Aa3/AA","USD",1.5525,140000000,0,140000000,"3M USD LIBOR",2.1999999999999999E-2,3.0800000000000001E-2,"17/10/2016 - 17/01/2017","2017-01-17",1101955.56,"2017-10-15","2054-10-01","Sched AM"]
[null,"B2","XS0790188055","XS0790188139","AA/Aa3/AA","AA/Aa3/AA","GBP","-",33000000,0,33000000,"3M GBP LIBOR",2.35E-2,2.751E-2,"17/10/2016 - 17/01/2017","2017-01-17",228306.44,"2017-10-15","2054-10-01","Sched AM"]
[]
[]
[]
[]
[null,"Closing Date","30/05/2013",null,null,null,null,null,null,"Series 2013-1 Notes"]
[]
[null,"2013-1","ISIN (Reg S)","ISIN (144a)","Current Ratings\nS&P/Moody's/Fitch","Original Ratings\nS&P/Moody's/Fitch","Currency","Applicable Exchange Rate","Original Balance","Repaid","Outstanding","Reference rate","Margin p.a.%","Current interest rate p.a.%","Accrual Period","Next coupon date","Interest next coupon","Step up Date","Legal Maturity","Bond Type","Placement"]
[]
[null,"A1","XS0938279378","US43641NBV55","AAA/Aaa/AAA","AAA/Aaa/AAA","USD",1.5095000000000001,750000000,-750000000,0,"1M USD LIBOR",8.0000000000000004E-4,null,"-","-","-","n/a","2014-04-01","Sched AM","Public"]
[null,"A2","XS0938012704","XS0938943080","AAA/Aaa/AAA","AAA/Aaa/AAA","GBP","-",500000000,-500000000,0,"3M GBP LIBOR",4.0000000000000001E-3,"","-","-","-","2016-10-15","2054-10-01","Sched AM","Public"]
[null,"A3","XS0938091575","n/a","AAA/Aaa/AAA","AAA/Aaa/AAA","GBP","-",100000000,-65714285.729999997,34285714.270000003,"3M GBP LIBOR",4.0000000000000001E-3,8.0099999999999998E-3,"17/10/2016 - 17/01/2017","2017-01-17",69065.210000000006,"2017-01-15","2054-10-01","Sched AM","Retained"]
[]
[]
[]
[]
[null,"Closing Date","2016-05-26",null,null,null,null,null,null,"Series 2016-1 Notes"]
[]
[null,"2016-1","ISIN (Reg S)","ISIN (144a)","Current Ratings\nS&P/Moody's/Fitch","Original Ratings\nS&P/Moody's/Fitch","Currency","Applicable Exchange Rate","Original Balance","Repaid","Outstanding","Reference rate","Margin p.a.%","Current interest rate p.a.%","Accrual Period","Next coupon date","Interest next coupon","Step up Date","Legal Maturity","Bond Type","Placement"]
[]
[null,"A1","XS1419677387","US43641NBW39","AAA/Aaa/AAA","AAA/Aaa/AAA","USD",1.4601999999999999,375000000,0,375000000,"1M USD LIBOR",6.0000000000000001E-3,1.1345600000000001E-2,"17/10/2016 - 15/11/2016","2016-11-15",342731.66666666669,"N/A","2017-04-01","Sched AM","Public"]
[null,"A2","XS1419677544","XS1419805996","AAA/Aaa/AAA","AAA/Aaa/AAA","GBP","-",340000000,0,340000000,"3M GBP LIBOR",7.4999999999999997E-3,1.1509999999999999E-2,"17/10/2016 - 17/01/2017","2017-01-17",984164.88,"2021-07-15","2054-10-01","Sched AM","Public"]
[null,"Z","XS1419677460","n/a","n/a","n/a","GBP","-",582000000,0,582000000,"3M GBP LIBOR",8.9999999999999993E-3,1.3010000000000001E-2,"17/10/2016 - 17/01/2017","2017-01-17",1904205.89,"N/A","2054-10-01","P-Through","Retained"]
[]
[null,"*All Notes are listed on the London Stock Exchange."]

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[]
[null,"Combined Credit Enhancement","Total","Total","Current note","Subordination","% Required"]
[null,null,"£","%","subordination","+Reserve Fund"]
[]
[null,"Class A Notes",2978442817.1999998,0.80856409101178717,0.19143590898821283,0.24708768705835266,0.23100000000000001]
[null,"Class B Notes",123177133.66,3.3439153686645205E-2,0.15799675530156765,0.21364853337170744,5.7000000000000002E-2]
[null,"Class Z Notes",582000000,0.15799675530156765,0,5.565177807013981E-2]
[null,null,3683619950.8599997,1.0000000000000002]
[]
[]
[null,"Funding Reserve Fund Required Amount",205000000,5.565177807013981E-2]
[]
[]
[]
[null,"Interest shortfall in period",0]
[null,"Cumulative interest shortfall",0]
[null,"Principal shortfall in period",0]
[null,"Cumulative principal shortfall",0]
[null,"Cumulative net loss",0]
[null,"Excess principal paid in current period",0]
[]
[]
[null,"Funding Reserve Fund"]
[]
[null,"Balance brought forward",205000000]
[null,"Drawings",0]
[null,"Top up",0]
[null,"Balance carried forward",205000000]
[]
[]
[null,"Quarterly Excess Spread*","Excluding Z notes","Including Z notes"]
[null,null,"interest paymemt","interest paymemt"]
[null,"Quarterly Excess Spread annualised ",3.6522550369439827E-2,4.8999201853884511E-2]
[null,"Quarterly Excess Spread rolling 12 month average",2.4109920572266779E-2,2.862713537234084E-2]
[null,"*Quarterly Excess Spread is calculated at each quarterly Interest Payment Date"]
[]
[]
[null,"Monthly Excess Spread* as at October 2016","Excluding Z notes","Including Z notes"]
[]
[null,"Monthly Excess Spread annualised ",1.1272537862516613E-2,1.37612591667151E-2]
[null,"*Monthly Excess Spread is calculated using monthly Funding Revenue received and one third of Fundings quarterly liabilities"]
[]
[]
[null,"Funding Principal Ledger-AAA",469094254.35000002]
[null,"Funding Principal Ledger-AA",0]
[null,"Funding Principal Ledger-A",0]
[null,"Funding Principal Ledger-BBB",0]
[null,"Funding Principal Ledger ",469094254.35000002,null,null,null,null,null,null,null,null,null,"."]
[]
[null,"Accounts as at  31 October 2016","Counterparty",null,"Rate","Amount"]
[]
[null,"Mortgages Trustee GIC","Santander UK ",null,"Libor",227368488.75]
[null,"Funding GIC ","Santander UK ",null,"Libor",205000000]
[null,"Funding Transaction Account","Santander UK ",null,"Libor - 0.25%",46036.11]
[null,"Panel Banks","Bank of New York Mellon",null,"-",0]

{"sheet":"Page 9","index":8,"n_rows":73,"n_cols":9,"rows_kept":73,"cut":false,"hidden":false,"merged":[]}
["WATERFALLS"]
[]
[null,"MORTGAGES TRUSTEE REVENUE WATERFALL",null,null,"FUNDING REVENUE WATERFALL",null,null,"ISSUER REVENUE WATERFALL"]
[null,"*for distribution period  01 September 2016- 01 October 2016",null,null,"*for distribution period 15 July 2016 - 15 October 2016",null,null,"*for distribution period 15 July 2016 - 15 October 2016"]
["(a)","Mortgages Trustee fees",0,"(a)","Funding Security Trustee fees",0,"(a)","Issuing Entity Security Trustee fees",14100]
[null,"Other third party payments ",0,null,"Fee under Intercompany Loan",143951.02499999999,null,"Note Trustee fees",0]
[null,null,null,null,"Other third party payments",0,null,"Agent Bank fees etc.",0]
[]
["(b)","Servicer fee",327203.43]
[null,null,null,"(b)","Cash Manager fees",29375,"(b)","Other third party payments",84726.024999999994]
[]
["(c)","Funding",8861909.2899999991]
[null,"Seller",6623580.8100000005,"(c)","Funding Corporate Services fees",null,"(c)","Issuing Entity Cash Manager fees",45125]
[null,null,null,null,"Account Banks fees",15750,null,"Issuing Entity Corporate Services Provider fees",0]
[null,null,null,null,null,null,null,"Issuing Entity Account Bank fees",0]
[]
[null,null,null,"(d)","Payment to Funding 1 Swap Provider",1248446.58]
[null,"MORTGAGES TRUSTEE PRINCIPAL WATERFALL",null,null,null,null,"(d)","Interest on Class A Notes",21816393.444254696]
[null,null,null,null,null,null,null,"(including any payments to Issuing Entity Swap Providers)",9030905.3542546965]
[null,null,null,"(e)","Interest on AAA Term Advances",14299518.429731328,"(e)","Interest on Class B Notes",854663.23461438913]
["(a)","Funding",119114122.48,"(f)","Credit to AAA Principal Deficiency Ledger",0,null,"(including any payments to Issuing Entity Swap Providers)",610783.31461438909]
[null,null,null,null,null,null,"(f)","Interest on Class M Notes",0]
[null,null,null,null,null,null,null,"(including any payments to Issuing Entity Swap Providers)",0]
["(b)","Seller",0,"(g)","Interest on AA Term Advances",854663.2326471759,"(g)","Interest on Class C Notes",0]
[null,null,null,"(h)","Credit to AA Principal Deficiency Ledger",0,null,"(including any payments to Issuing Entity Swap Providers)",0]
[]
[null,null,null,"(i)","Interest on A Term Advances",0,"(h)","Interest on Class Z Notes",2133761.475409836]
[null,null,null,"(j)","Credit to A Principal Deficiency Ledger",0]
[]
[null,null,null,"(k)","Interest on BBB Term Advances",0,"(i)","Excluded issuer swap payments",0]
[null,null,null,"(l)","Credit to BBB Principal Deficiency Ledger",0]
[]
[]
[null,null,null,"(m)","Swap termination payments",0,"(j)","Issuing Entity profit ",312.5]
[]
[]
[null,null,null,"(n)","Credit to First Reserve Fund",0]
[null,null,null,"(o)","Additional credit to First Reserve Fund",0,null,"ISSUER PRINCIPAL WATERFALL"]
[null,null,null,"(p)","Credit to Liquidity Reserve Fund",0]
[null,null,null,null,null,null,"(a)","Repayment of Class A Notes",469094254.34999996]
[null,null,null,null,null,null,null,"(including principal payments to class A swap providers)",112167982.76999998]
[null,null,null,"(q)","Credit to NR Principal Deficiency Ledger",0,"(b)","Repayment of Class B Notes",0]
[null,null,null,null,null,null,null,"(including principal payments to class A swap providers)",0]
[null,null,null,null,null,null,"(c)","Repayment of Class M Notes",0]
[null,null,null,"(r)","Interest on NR Term Advances",2133761.475409836,null,"(including principal payments to class A swap providers)",0]
[null,null,null,null,null,null,"(d)","Repayment of Class C Notes",0]
[null,null,null,null,null,null,null,"(including principal payments to class A swap providers)",0]
[null,null,null,"(s)","Excluded swap payments (with respect to the Issuer) and other fees under the Intercompany Loan Agreement",312.5,"(e)","Repayment of Class Z Notes",0]
[]
[null,null,null,"(t)","Payment of Funding Start-up Loan",0]
[]
[]
[null,null,null,"(v)","Profit to Funding ",312.5]
[]
[]
[null,null,null,"(w)","Deferred Consideration",9370025.9469151646]
[]
[]
[null,null,null,null,"FUNDING PRINCIPAL WATERFALL"]
[null,null,null,null,"* To be read in conjunction with rules on pgs. 181- 185 of the base prospectus"]
[]
[null,null,null,"(a)","Repayment of AAA Term Advances",469094254.34999996]
[]
[]
[null,null,null,"(b)","Credit to Cash Accumulation Ledger",0]
[]
[]
[null,null,null,"(c)","Repayment of AA Term Advances",0]
[null,null,null,"(d)","Repayment of A Term Advances",0]
[null,null,null,"(e)","Repayment of BBB Term Advances",0]
[]
[]
[null,null,null,"(f)","Repayment of NR Term Advances",0]

{"sheet":"Page 10","index":9,"n_rows":20,"n_cols":15,"rows_kept":20,"cut":false,"hidden":false,"merged":[]}
[null,"SWAP PAYMENTS"]
[]
[]
[null,"Note","Swap Counterparty","Currency Notional","Receive Reference Rate","Receive Margin","Receive Rate","Interest Received","Principal Received","£ Notional","Pay reference rate","Pay margin ","Pay rate","Interest Paid","Principal Paid"]
[null,"Funding 1 Swap","SAN UK",3562067428.8699989,"3M GBP LIBOR",1.794481820180216E-2,2.3219818201802158E-2,21292528.072914418,0,3562067428.8699989,"3M GBP LIBOR",0,2.4571720424527033E-2,22540974.65637726,0]
[null,"2010-1 A5","ANTS",375000000,"GBP FIXED",0,4.0090000000000001E-2,7516875,0,375000000,"3M GBP LIBOR",1.6250000000000001E-2,2.1524999999999999E-2,2073104.5081967213,0]
[null,"2011-3 A5","ANTS",500000000,"USD FIXED",0,3.6150000000000002E-2,0,0,316455696.19999999,"3M GBP LIBOR",1.755E-2,2.2824999999999998E-2,1860195.9424161916,0]
[null,"2011-3 A6","ANTS",250000000,"3M USD LIBOR",1.7500000000000002E-2,2.4301000000000003E-2,1586315.28,0,158227848.09999999,"3M GBP LIBOR",1.755E-2,2.2824999999999998E-2,930097.97120809578,0]
[null,"2012-2 A1","ANTS",1045857142.86,"3M USD LIBOR",1.55E-2,2.2301000000000001E-2,6090066.8200000003,178571428.56999999,656945441.49999988,"3M GBP LIBOR",1.5900000000000001E-2,2.1174999999999999E-2,3582512.476804588,112167982.76999998]
[null,"2012-3 B1","ANTS",140000000,"3M USD LIBOR",2.1999999999999999E-2,2.8801E-2,1052836.56,0,90177133.659999996,"3M GBP LIBOR",2.1024999999999999E-2,2.6299999999999997E-2,610783.31461438909,0]
[null,"2016-1 A1","ANTS",375000000,"1M USD LIBOR",6.0000000000000001E-3,1.1242800000000001E-2,374760,0,256814135.05000001,"3M GBP LIBOR",3.5699999999999998E-3,8.8449999999999987E-3,584994.45562909998,0]
[]
[]
[]
[null,"COLLATERAL"]
[]
[]
[null,"Note","Collateral Postings","Counterparty"]
[]
[null,"There was no collateral posted during the reporting period 01-October-16 to 31-October-16."]

{"sheet":"Page 11","index":10,"n_rows":52,"n_cols":3,"rows_kept":52,"cut":false,"hidden":false,"merged":[[21,1,22,1]]}
[null,"TRIGGER EVENTS"]
[null,"Asset "]
[null,"  Amount debited to AAA Principal Deficiency Sub Ledger, unless certain criteria are met","None"]
[]
[null,"Non Asset "]
[null,"  Insolvency Event occurs in relation to Seller.","None"]
[null,"  Seller's role as Servicer terminated & new servicer appointed within 60 days.","None"]
[null,"  The then current Seller Share is less than the Minimum Seller Share.","None"]
[]
[]
[null,"An Arrears Trigger Event will occur if:"]
[]
[null,"(i) the Outstanding Principal Balance of the Loans in arrears for more than 90 days divided by the\nOutstanding Principal Balance of all of the Loans in the Mortgages Trust (expressed as a percentage)\nexceeds 2 per cent.; or","None"]
[null,"(ii) the Issuer does not exercise its option to redeem the Issuing Entity Notes on the relevant\nstep-up date pursuant to the Terms and Conditions of the Issuing Entity Notes (but only where such\nright of redemption arises on or after a particular specified date and not as a result of the occurrence\nof any event specified in the Terms and Conditions of the relevant Issuing Entity Notes)","None"]
[]
[null,"Full details of all Trigger Events can be found within the Holmes Master Issuer plc. base prospectus"]
[]
[null,"Definitions"]
[1,"Current value of mortgages"]
[null,"Includes all amounts of principal, interest and fees as yet unpaid by the borrower. Current Value of Mortgage Loans in Pool in 'Mortgage Loan Profile' and 'Trust Asset' is different due to the 'Mortgage Loan Profile' value including the accrued interest over the reporting period."]
[2,"Arrears"]
[null,"This arrears multiplier is calculated as the arrears amount ( which is the difference between the expected monthly repayments and the amount that has actually been paid, i.e.  a total of under and/or over payments ) divided by the monthly amount repayable.  It is recalculated every time the arrears amount changes, i.e.  on the date when a payment is due."]
[]
[3,"Defaults"]
[null,"For the purpose of the Bank of England Market Notice dated 30 November 2010 \"defaults\" is defined as properties been taken into possession."]
[4,"1 month CPR"]
[null,"On any trust calculation date, the total principal receipts received during the immediately preceding trust calculation period divided by the aggregate current balance of the loans comprised in the trust property calculated on the previous trust calculation date in respect of the previous trust calculation period."]
[5,"1 month annualised CPR"]
[null,"Calculated as 1 – ((1 – R) ^ 12) where R is (i) total principal receipts received scheduled and unscheduled during the relevant period, divided by (ii) the aggregate outstanding principal balance of the loans in the expected portfolio as at the start of that period."]
[6,"3 month average CPR"]
[null,"The total principal receipts received during the immediately preceding trust calculation period for the last 3 months divided by the average aggregate current balance of the last 3 months of the loans comprised in the trust property."]
[7,"3 month annualised CPR"]
[null,"Calculated as 1 – ((1 – R) ^ 4) where R is (i) total principal receipts received scheduled and unscheduled during the relevant period, divided by (ii) the average aggregate outstanding principal balance over the last 3 months of the loans in the expected portfolio as at the start of that period."]
[8,"12 month average CPR"]
[null,"The total principal receipts received during the immediately preceding trust calculation period for the last 12 months divided by the average aggregate current balance of the last 12 months of the loans comprised in the trust property."]
[9]
[null,"Savings balance"]
[10,"X"]
[null,"Current balance of Loans in the trust property multiplied by 4.4%"]
[11,"Y"]
[null,"Flexible drawings set-off risk"]
[12,"Z"]
[null,"Breach of Mortgage Sale Agreement"]
[13,"AA"]
[null,"Reward loans cashbacks"]
[14,"Excess Spread calculation"]
[null,"After a review of the calculation and reporting, Excess Spread has been updated to include 4 reporting components: \n1. Quarterly including Z Notes 2. Quarterly excluding Z Notes 3. Monthly including Z Notes 4.  Monthly excluding Z Notes\nIn all cases Excess Spread is calculated by dividing excess cash available (pre and post Z Note payment) divided by a. Quarterly = the weighted average Funding Share for the relevant period and b. Monthly = the current Funding Share for the relevant period"]
[]
["Notes","Risk retention"]
[null,"The seller confirms that if it sells one or more new loans and their related security to the mortgages trustee on or after 1 January 2015, the seller, in its capacity as originator, (i) on or immediately following the relevant sale date, will retain, on an on-going basis, a material net economic interest of not less than 5 per cent.  in the nominal value of the securitised exposures in accordance with the text of Article 405 of Regulation (EU) No 575/2013 and Article 51 of Regulation (EU) No 231/2013, and (ii) will disclose via an RNS announcement (or in such other manner as the seller may determine) such retained interest and the manner in which it is held.  Any change to the manner in which such interest is held will be notified to noteholders in accordance with the conditions."]
[]
[null,"All capitalised terms used in this investor report have the meaning or descriptions assigned to them in the Holmes Master Issuer plc. base prospectus."]

{"sheet":"Sheet1","index":11,"n_rows":7,"n_cols":2,"rows_kept":7,"cut":false,"hidden":true,"merged":[]}
[]
[]
[null,"MARTA GONZALEZ DEPRIT"]
[null,"TARGOL RASHTCHI"]
[null,"ALVARO RUIZ DE ALDA"]
[null,"JAMIE WILSON ADAMS"]
[null,"MARTIN MCKINNEY"]