Strange to see an article like this in what is still sometimes called the Torygraph:
Mortgage lenders are penalising home owners with children by reducing the amount they can borrow. The crackdown could potentially prevent them from switching to cheaper deals when interest rates rise.
Many banks and building societies have tightened their affordability criteria in light of the Financial Services Authority’s post-credit-crunch review of the mortgage market. But it has emerged that families with children are being hit hard.
Emphasis added by me. All the terms emphasised relate to a metaphor of punishment. But it is not meant to depict just punishment; the author, Teresa Hunter, apparently feels that parents who are lent less money than non-parents are having something unfair done to them. This is reinforced by having the first person quoted in the piece as saying:
“It is absolutely unfair to penalise people with children by reducing their capacity to borrow compared with a single person or a childless couple.”
The whole story is presented as being one of discrimination akin to racial discrimination. Did the author notice that there was a little financial unpleasantness in 2008 that had something to do with indiscriminate lending? Does she feel that encouraging people to to borrow more than they can afford is doing them any favours? Has she not noticed that children cost money?