How would you change the mortgage market?

We'd like your thoughts to find out your top five concerns about the mortgage advice process, as well as any other reforms or proposals which you think might improve life for the mortgage intermediary as well as the consumer. Just some of the issues you might consider within your thinking are: Can consumers afford to own their own homes? Consumer understanding of the mortgage sector How could mortgage regulation be reduced? Can the paperwork process for advice be simplified? Are there too many types of mortgage product in the market? Eligiblity for a 'standard' mortgage...