You got it Tiger!
Mikey, 60% is reasonable at this point in time as the banks are trying not to engage in too many risk. Over here in Portugal is easy to reach 75/80% though. Good thing for me that I work as a financial consultant so I'm used to all this stuff and going to use it to my advantage.
Natwest is just taking an oportunity to reach more clients there as they're probably not the best choice for those kinds of loans and mortages.
Can't really answer that one regarding unsecured loans, but it's looking pretty bleak still. Really don't see those banking institutions risking anything anytime soon.