It's all a load of nonsensical bolox that either has been worked out on the back of a fag packet by a drunk MP or arrived at using the govt's own fake statistics.
I'll say it again and AGAIN.
The only fair measure of 'affordability' is DISPOSABLE income...as widely used for donkeys years by the consumer credit industry.
Having signed up 100s of people for finance over the past 35 years, I know this.
Bear in mind it was when this accepted principle began to be ignored that the whole banking industry went twits up.
