I really hope that FTB's are reading these articles TODAY and finally realising just how GOOD the FSA announcement this week was when Lord Turner said he will bring in regulation if has to after property prices have fallen in line with income and loan to income ratios of 3x's . to STOP prices going back up. First they have to fall, and they are falling despite all the spin, and more and more are saying they HAVE to. The FSA sent a LOUD message to lenders this week, return to sensible lending or I will force you. 3x's income and prices will to have to fall in line and go back to being prices that will not break the banks!

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