Where portions of your mortgage account are on a variable rate and further portions are on a fixed rate, the aggregate amount outstanding in respect of all portions of your mortgage account will be used for the purposes of calculating the LTV Percentage. Unless however you elect to break the existing fixed rate arrangements as set out above the LTV Variable rate applicable to that LTV Percentage will only be applied to the variable rate portions of your mortgage account.  At the end of the existing fixed rate arrangements the then applicable LTV Variable rate for that LTV Percentage will be applied to the portion of the loan that was at the fixed rate.