Looking at Prime Time the other night and seen that rent a quote mortgage broker Karl Dieter slamming the Central Banks decision to tighten rules for mortgages. I can understand individuals being angry with this but this has to be a good thing for the economy. Forcing people to be disciplined in relation to saving for a house is also a good thing. The crash happened because of individual and corporate indiscipline which led to cheap credit, 100% mortgages and crazy spending. Their argument that it will force 1st time buyers and low earneres out of the market. These people want them to buy something beyond their means which resulted in the situation we have now where people are in houses that are too small (were told to get on the f**king ladder) and/or are in negative equity. If these rules were before the crash I don't think there would be as many families in trouble.