Winter is officially here. The forecast for the coming days is filled with frigid temps and snow falling from the sky. For those who are keen on the blustery days of the first season of the year, these days could not be more appealing. Everyone else is left with hoping this is only temporary and the season will be a short one. Discomfort from the cold puts a strain on everything in life. Driving is difficult, dressing correctly is a challenge, and simply walking the dog is just one more thing we will suffer from whilst going outside. The same discomfort can be found with financial issues. For house owners, now could be the ideal time to search for cost cutting measures. This could be the time to remortgage.

The start of a New Year inspires new goals and new habits. For homeowners, it should not go unnoticed that a remortgage might be the thing that should top the list of goals for 2019. There are many benefits to be had by a remortgage deal, but one very important benefit for this year would be the ability to bring peace of mind to one’s household budget.

The last few days it has been hard to escape the news of Brexit. It’s hard to look away when the screens give updates, forecasts, and news. Even if you could put your focus elsewhere, it is hard to do so when you are a helpful home buyer or a home seller. Even homeowners are paying attention as to what the first quarter of 2019 will bring to the housing market.

The housing market is by tradition a space which is sometimes difficult to navigate. House owners and non-property owners alike are exposed to terms only rarely and then if at all over the course of a lifetime. The path is a typical one for most of us. Get educated, find a promising career, then purchase a property and possibly start a family. There are only a few opportunities to actually experience housing market terms and concepts. One thing we all understand is the impact a low interest rate has on mortgage lending. Now, those seeking remortgage can find lower and lower rates.

Since the beginning of the New Year, many house owners have taken steps to discover what is available from lenders regarding remortgage products. What they are finding is quite satisfying. Lenders are not only maintaining the same level of low interest rates and high caliber incentives as last year, but some are going even further. High profile lenders are becoming more aggressive in the lending game with interest rates which are lower and incentives which are more aggressive than last year.

The year 2019 is in full swing and those house owners who have made resolutions should in particular have one item on that list. If a two year deal was in fact obtained in January of 2017, a new deal in the form of a remortgage should be on the to do list in order to side step paying the increased cost from lender SVR. Two year deals will automatically be transitioned to the lender SVR as those deals mature during the month of January. Housing experts are urging those house owners who have not remortgaged to a fixed rate deal to do so before their monthly mortgage costs increase.