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Article > The Fear of Finance!

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Since the economic crisis hit, property investors across the UK have been filled with fear and trepidation when broaching the subject of finance!

Investors have faced dramatic changes regarding finance since the carefree days of the early 2000’s, when decisions were based on minimal information and swung in favour of excessive lending to the masses. Confidence in property was so high that checks into affordability and an individual’s earnings were negligible to say the least.

It was only with the arrival of the financial crisis that banks began to realise the extent of the problems that resulted from poor lending. It was due to this uncertainty surrounding the economic climate that the availability of finance swung again this time in the opposite direction, making it difficult for even the most experienced investor to obtain finance.

There is however good news on the horizon! As the economy makes its way along the slow road to recovery, lending is again shifting, this time to a more realistic level. Finance is once again available for the right opportunity. It is unlikely to return to the high levels of the boom years, but it is becoming more achievable and more importantly will be more regulated. One strong indication of this is that high street lenders are introducing good quality products for the buy-to-let market, which offer anything from 60-75% loan to value.

It is also encouraging to see the great opportunities that are currently available, particularly on larger multi-house occupancy deals. One possible avenue in obtaining funding for these deals is through commercial finance and its availability provides a great inroad into the buy-to-let market. Although there are negatives when considering commercial finance such as more complex arrangements and slightly higher rates and fees, these are outweighed by the impressive gains, that being deals offering yields up to 10%.

Platinum Portfolio Builder

Although the number of lenders may have reduced over the last six years it is important to note that there is still funding out there and you only need one lender to complete a deal!!

If you would like take advantage of this unique opportunity to begin your portfolio but don’t know where to start, then PPB would love to help you. Please contact us at or alternatively call 01226 732 606 and we will be happy to offer our expert advice. Visit the Platinum Portfolio Builder website for more information


Platinum Portfolio Builder builds and manages property portfolios for people who want to invest in property but who don’t have the time, knowledge or inclination to do it themselves. They only buy properties where a minimum discount of 25% below an independent RICS valuation is achieved. They have their own in-house team of expert buyers, project managers, builders and letting agents and so let and manage the properties for their clients on an on-going basis until they want to sell them and cash in their profits.

Platinum Portfolio Builder


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