Given that most people who vote own a house and meaure their worth in life by the increasing value of their house, anything that keeps prices high is a vote winner. I dont see any government doing anything to make it easier for first time buyers.
All the gov wants to do now is get back to the days of growth and rising house prices. All banks want to do is make money and market share – they will attempt to do this whateve the restrictions forced on them.
Face it, if you were offered a bounus in the hundreds of thousands youd work damm hard to get it, if you didnt someone else would soon be along to do your job.
So soon it will be back to normal.