I'm unemployed <a href="http://www.voterpower.org.uk/chaat-corner-d239.pdf#lion">chaat corner</a>  Until now banks had shown reluctance to lend at high loan-to-value (LTV), having been punished for taking too many risks in the lead-up to the 2008 financial crisis. This type of lending can represent a greater danger because lending at high loan-to-value means property prices need only fall a fraction to push the borrower into negative equity.