They blather on about not borrowing more than you can afford, most lenders are circa 3.5 - 4 x income, hence a lot of young people and first time buyers have no chance, we borrowed at 3 x mine plus 1 x the Wife and are still going to get hammered, they bake in affordability checks now and one of ours was if rates are 6.5 percent can you afford it...yes was the answer but it is still going to be a turd sandwich and all thanks to Liz and her Tory chums.