U.K. borrowers are beginning to feel the credit pinch a la U.S. style. And it's not just the risky ones that are seeing the doors close on lending.

That the nonconforming lending market has had to reshape itself in the wake of the subprime debacle is no surprise. However, the U.K. is beginning to see selectivity even in prime lending, leaving higher-rated borrowers with nowhere to run.

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