. A method according to any preceding claim, wherein the percentage interest the lender holds at any time is calculated as follows:

CVI = (C2P/PP*100)-AIP where:

CVI is the lender's interest in the property expressed as a percentage;

PP is the total purchase price that was paid by the customer;

C2P is the contract price which was advanced under the second loan at the time of purchase; and

AIP is the sum of any percentage interests acquired from the lender at any time since the purchase.