Lately plenty speculators have fallen out or liquidated their stakes in the real estate market after the property prices have fallen considerably. Reports indicate that high number of foreclosures were as a result of property speculators giving up on highly leveraged houses that have lost their value. Now that the property valuations have fallen noticeably, housing marketplace needs these landlords back buying homes and letting them out. They need to be convinced that the property market will commence moving up in the near future and they will profit handsomely on houses that they purchased at a great value.

Understandably they need to leverage their capital with investor mortgage loans to take advantage of house price appreciations. Currently buy to let mortgages are at low levels and the eligibility is really strict that they are not attractive. Many home loan products are now based on income levels. This lowers the amount of mortgage anybody may get regardless of the use of loan. Investor mortgage products need to be reinstated back to their true meaning; an investment instrument. Business side of them needs to be accepted once more so that people may employ them to play the low property appraisals.

Clearly the number of people planning to acquire houses should be increased if the property prices to pick up in the near future. It looks unlikely that it will materialize in the coming a few months. Furthermore, at the rate that the mortgage providers and authorities moving away from investor mortgages and self certification home mortgages is worrying. Unmistakably those Mortgage products have caused the property price boom and ended in many foreclosures ultimately. there should be a way of keeping more buyers in the mortgage and housing marketplace for a timely come back. If there are investors who expect that they may profit in current real estate market conditions, they should be allowed to come back.