Now just sit back a minute and think this through - would you seriously take financial advice from a load of bankers who have gone cap in hand to the Government begging for billions of pounds of taxpayers' money to bale them out of their sinking ships?

It's about time someone put the record straight on this one.

It's not the property market that is causing the credit crunch - it's the bankers.

These financial whiz-kids who ludicrously sat making decisions based on the sort of risk you and me are to lenders ought to look in a mirror and ask themselves who would invest in them.

You've got to wonder if bankers are safe to walk the streets without a responsible adult.

The banks greed and arrogance in chasing profits without properly assessing risk is the cause of the credit crunch. I would not give them a penny. I stopped investing in pensions years ago when I realised the fund managers were no better than bookmakers. and I could make more money sticking a pin in the stock pages of the Financial Times or on the 3 o'clock at Lingfield.

The only financial knowledge these guys have got over you and me is they can lose £50 billion in a thriving property market.

As I write this there's an ad on the TV saying NatWest understand mortgages. So why is their owner, the Royal Bank of Scotland, looking to raise £12 billion on the money markets to make the books balance after losing the cash on US sub prime mortgages?

I fear more of the proverbial will hit the fan as the credit crunch unravels and that some more "big" names in banking will now step forward in to the confessional and shamefully admit how many billions they have lost.

So who do you go to for sensible property advice? A banker...don't make me laugh.

A guru running seminars...a lot of them seem to have shut up shop too.

Their secret inside knowledge that cost a few grand didn't seem to see the credit crunch coming.

No, you go to the quiet, unassuming guy who has painstakingly built up a portfolio of quality rental properties.

The same guy these bankers have been making jump through hoops when he asked for a few thousand quid to invest in a property.

That guy, and there are a few of them about, is the one to ask because he will sit out the crisis and still be there when the banks, estate agents and property gurus have shed a few thousand jobs.

Perhaps the next time you borrow money, you ought to ask the banker why you should risk your hard-earned assets in his care and what he or she really knows about your business, because they sure as hell don't seem to know much about their own.