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@Hefty
There were some fibbers for sure, but self cert was often just ‘can you afford this yes/no’ rather than putting down a specific lie. Weird times.
Lots were self employed people whose income dropped. Others were on the same income and could afford the higher rate but were annoyed they had to.
There were also, of course, all the people who took out 110% mortgages with Northern Rock, because why not? Free money.