First time buyers were an absent player in the housing market only a few years back. It seemed they were never going to return and experts shouted that without them the housing market would remain weakened and so would the economy. Government responded to the lack of first time buyers with the Help to Buy scheme. It served as a launching board to push hopeful home owners within reach of their dreams of owning their own property. Now, some experts are warning that the scheme has worked too well and the time to end it is sooner than later. House prices are climbing upward along with the demand for property. Mortgage lending remains cheap and confidence in the economy has risen to a level that first time buyers are emerging from the shadows. With their arrival in the midst of strong demand some experts worry that house prices will rise too far and too quickly making problems for the economy rather than solving them. The increase in house prices has brought optimism for homeowners as property values are on the rise along with house prices. This is offering a higher remortgage possibility as some homeowners are looking for cash with their new deal. Others will find that low interest deals are available from lenders that will make a remortgage part of a household budget relief with a cheaper interest rate. Experts are warning that the extra data required from lenders could make the remortgage process longer than usual. Planning for time to complete the remortgage is important and for homeowners seeking assistance a broker could be helpful.