My main point was this: All in all despite the benefits of such a scheme the big matter is the 81k
historyftw - that's it in a nutshell. That's why the competition for such schemes is actually very very limited given the £81k hurdle.
I personally would never go self-sponsored integrated as the thought of doing a CPL/IR test with £82k hanging over my head does not appeal, and I actually think modular + RYR TR is a better option for me, as I'm paying chunks at a time.
It's a really disappointingly organised scheme in the end, but there will be those for whom £81k is small change and so this is perfect.
A word of warning - anyone thinking of securing loans on parents properties should come to the conclusion that they can not afford it. You do not risk a family home that's taken 25 years to pay for on on a blue book.