After two years, the banking sector seems to have calmed down again, and whilst things have not returned to normal in regards to them lending money to home buyers, it is getting slightly better.
In fact, there are now all manner of mortgages, loans and equity releasing deals becoming available. From things such as an Interest only lifetime mortgage to endowments and more besides, the choice can be quite bewildering.
Therefore, it is a sensible idea to seek some form of financial advice from one or more sources. Everyone's situation is different, and whilst re-mortgaging a home may be suitable for some people, it will be a bad idea for others.
There are many websites online which provide great, free impartial advice and these are a good place from which to do some initial groundwork. Martin Lewis over at Money Saving Expert has one such website, and it is visited by hundreds of thousands of people every week.
With the groundwork done, it is then time to get some independent advice before finally approaching a bank for a loan or other financial arrangement. An important thing to keep in mind, is that even though you may make a decision now on what scheme to use, you should really have one which gives the flexibility that it can be changed with little or no penalty.