The Budget

I still have in excess of £70K instantly available pre-approved credit on three credit cards and an overdraft facility. Never asked for it, always encouraged to use it, and that doesn't include loan offers dropping on my door mat every other day. Yep, those banks really have got their shit together...

The banks aren't approving home loans to people with 10% deposits any more whereas a few years ago you could borrow 105% of your property value!