> A free market for mortgages would not enable such a product The complaint doesnt make sence. 'Free market' does not set fiscal policy or manage base interest

> A free market for mortgages would not enable such a product The complaint doesnt make sence. 'Free market' does not set fiscal policy or manage base interest rates at all. There is no subsidy - If you take a 2% mortgage and suddenly base rate goes up to 20%, the taxpayer does not pay 18%. The government would be paying itself.