Just means you can't buy what you can't really afford a 100% - 125% mortgage is stupid, if people think they can afford the payments on a mortgage then save even some cash for some sort of a deposit to back up your application to the bank.
IMO A reasonably priced house will always sell.
I cant "afford" a house because I'm not going to bust my balls for a mortgage at the prices local houses are compared to my wages.
A lot of people are getting a kick in the arse to live within their means.

I really want my own house but I'm not going to rush into it, Im gonna get some good wages first!