Thanks again.
The single default in the "boarding" resulting in the 6.25% (1 out of 16) could be an anomaly due to the low population size. Similarly too for the "Living with Parents" and "others". However, when you combine them, it is a total of 10 defaults out of 88 or 11.36%. And 88 is a credible population size. Even if you add the 2 "unknowns" and 8 "supplied by Employers", it is still a high 10.1% compared to 0% for fully owned, 0.5ish% for mortgagees and even the 'high-ish' 3+% for renters.
Valuable confirmation, Myles.