With the economic downturn, the recent times are proving to be challenging for property investors who need to make new investments to increase their portfolios. A lot of the lenders have suddenly tightened the credit lines and obtaining a buy to let mortgage is now proving to be harder than ever.
Times of low deposit mortgage have long disappeared and this has locked out a lot of property investors out of the market. That in turn has led to lower sales of property and a marked reduction in the property investment market.
If the property market activity of the previous years is to return, then we would need to see a significant increase in the amount of commercial mortgage products available to allow buyers to return to the market. Property investor buying activity is a significant factor that drives the market direction and until these investors return to the market, the situation of the property market is likely to remain grim.
This means that the recovery in the market will be a long and slow process, taking a number of years before we return to the [previous highs of property prices. The ball is firmly in the lenders court to drive the market upwards. However, that does not mean that we go back to the irresponsible bad credit mortgage lending practices seen in the previous years. It simply means an increase in responsible lending is required to give the market a push start.
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As we move ahead along the ladder of life and grow with a family, we take on more responsibilities and this is why we need to buy a 
