The Financial Services Authority (FSA) has announced that it is entering the second stage of its mortgage market review, in which it will focus on the risks facing borrowers. Whereas the first stage centred on the advice and selling practices seen within the sector, the FSA will now turn its attention to consumer experience of products where there is a greater degree of possible detriment to them, such as sub-prime and lifetime mortgages. In particular, it will consider whether borrowers are taking out the right product for them, whether they are getting good value from their loan and whether they are treated correctly by their mortgage provider even if they skink into arrears.