The “inexorable” drive to cut risk after the credit crisis has left credit-worthy buyers unable to get on the housing ladder, UK Finance has warned in its response to the FCA’s Mortgage Rule Review discussion paper. UK Finance welcomes this move to ease affordability, which it believes will help more borrowers access finance without materially increasing risks. UK Finance says: “Since the global financial crisis, we have seen an understandable but seemingly inexorable shift towards risk minimisation and risk aversion within the mortgage and financial services sector. UK Finance says: “Some members share the concern that limited uptake of lending in higher risk areas could cause foreseeable harm. “Without careful consideration, a new generation of mortgage property prisoners could be created where there is limited consumer choice to move lenders.”