Oh really?
In late 2000 me and my ex applied for 60k on a 64k property with 4k deposit, the lender offered 56k.
I got divorced in 2004, she got a 120k, 100% mortgage with Northern Rock on her own.
My sister and her husband got 155k 100% mortgage with Northern rock in July last year.
No subprime in the UK? My ****