(2)When specifying those factors and conditions, it is necessary to ensure proportionality and to account for the heterogeneity of the immovable property markets across Member States, while at the same time setting out a sufficiently harmonised framework for the assessment of the appropriateness of the risk weights and the minimum LGD values for exposures secured by mortgages on immovable property. To that end, a one-size-fits-all approach should be avoided.