This is nothing new to me. When I worked for The Royal Bank of Scotland all staff had the benefit of a mortgage at either 5 times your salary or 3 ½ times your and your partners joint salary. The first £30,000 was fixed at 5%. This was back in 1985.
With the Abbeys offer I believe that you have to earn at least £50,000 per year so that excludes quite a few. You also need quite a tidy deposit.
It’s all about responsibility and working out if you can really afford the mortgage repayments.