It is only natural as one year comes to a close and another new and exciting unknown year looms ahead to wonder at what is in store. For homeowners taking a look through a prophetic lens upon their financial health in the year ahead, there could be wonderful opportunities in store. Those opportunities are within reach of those willing to seriously consider a remortgage now.

Currently the lending market is still rather borrower friendly. It has not strictly tightened as many expected in the wake of the Brexit vote during the summer. Another season has come and gone and now we are at the beginning of winter with many historically low interest rates still being offered attached to remortgages.

The cheapest rates won’t be around forever and waiting for the bottom line interest rate before taking action would be the wrong strategy. The lending market has a tendency to change and to change often and fast when it does. By waiting to get the very best deal ever, a homeowner could be missing the benefits of having a new deal in the here and now. Why wait and miss out when perhaps what is available now is indeed the best opportunity?

Remortgages bring with them no only a possible lower interest rate that can save money and cut down the funds going out of the family budget each month, but there are many more benefits. A remortgage could bring with it a fixed rate that secures a safety net against rising rates for many years into the future. That alone could remove stress and worry and allow a homeowner to make other safe and strong decisions for their financial future.

A remortgage also has the ability to allow the homeowner to trade out equity in the property into cash. That cash then belongs to the homeowner to do what they want to do such as consolidating debt, making a major purchase, investing into the home, or going on holiday. It is up to the homeowner’s discretion as to do with the cash as they please, and the possibility of having that benefit could offer solutions to problems of which a homeowner has overlooked.

The year ahead will be bringing with it unknowns, uncertainties, and changes. Perhaps homeowners need to look seriously at the one thing that could offer more stability and known benefits in the twelve months ahead and that is a remortgage. Shopping now will get them on the path to giving themselves a stable and optimistic outlook for 2017, while taking advantage of the opportunities that are available in 2016.