BACKGROUND: Bradford and Bingley's turmoil - a look at the factsYorkshire Evening Post, UK -Jun 2, 2008Speculation has been mounting that buy-to-let investors are struggling to refinance in the current market as lenders continue to tighten their ... When you're on the look out for a new home, you need cash. A lot of it. Most homes today have down payments that are more than what the buyer can afford right then and there. The solution for this? A mortgage.