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How Borrowers Became Investors: Tamara and David’s Story

Becoming Investors

Tamara and David became FOLK2FOLK Investors in the summer of 2019 to supplement their monthly income from their newly refurbished guest house, Kinbrae House, in Cornwall.

Having moved from Jersey to Falmouth with the dream of opening their own holiday let business, they were originally introduced to FOLK2FOLK as Borrowers by their bank. With the help of a FOLK2FOLK loan, Tamara and David were able to transformed a beautiful Edwardian property into luxury 5-star self-catering apartments.  Now running a successful business, and having paid back their loan, Tamara and David found themselves in a position to make investments. Their first-hand experience of how FOLK2FOLK assess business Borrowers and how its Investors make a very real and important difference to local businesses by lending funds, meant they had confidence in investing via the peer to peer lending platform.

“We are delighted to be able to offer our support to other businesses who need private funding in the same way that we did.”

Their Journey with FOLK2FOLK

Three years ago, Tamara, an interior designer, and her husband David, a former swimming pool designer, decided to up sticks and move from their home in Jersey to the seaside town of Falmouth in Cornwall. They fell in love with an Edwardian property, situated a stone’s throw away from beautiful Gyllyngvase Beach, which had become rundown and required a complete upgrade to transform into the luxury holiday destination it is now. Although having skills and experience fit for the job, they needed financial help to achieve their dream.

Tamara and David initially set their sights on using a high street bank to provide them with a mortgage on the property, but unfortunately, as they had not lived in the UK for very long, none of the banks they spoke to would lend to them. After beginning to believe their dream would never become a reality, they were heartened when a high street bank advised them to give FOLK2FOLK a call.

After contacting FOLK2FOLK, a meeting was set up at Kinbrae House to discuss David and Tamara’s business idea and after learning about their plans, FOLK2FOLK were thrilled to be able to help.

Tamara and David were passionate about keeping the work local, ensuring they used local tradesmen and supplies throughout the renovation of Kinbrae House.

“We were over the moon that we were able to save a lovely Edwardian property in Falmouth and to breathe a new life into it. We have used local trades people and suppliers for most of the work that we have carried out.”

Since opening Kinbrae house, Tamara and David are now in a position where they can invest some of their money and when thinking of where to invest, FOLK2FOLK was a natural solution having seen the positive and very real impact investing via FOLK2FOLK can make to people just like them.

When speaking with Tamara on why they chose to invest via FOLK2FOLK, she said:

“Very interesting projects are offered to Investors; you can choose which ones to invest in and the FOLK2FOLK team are very lovely to deal with.”

Do you have a project we could help fund? Or are you interested in supplementing your monthly income by becoming a Investor? Give us a call on 0333 455 1902 or email enquiries@folk2folk.com.


Capital at risk. No FSCS.

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