Homeowners weighing up their options in terms of whether to move or improve may be interested to hear the latest views of a mortgage expert.
MoneySupermarket head of mortgages Louise Cuming noted there has been a lot of change in the home loans industry.
However, she said the majority of the activity has not been helpful for those hoping to move house.
The expert pointed to recent increases in rates from a number of lenders, including the Principality Building Society, which has increased its ten-year product from 5.19 per cent to 5.39 per cent.
Ms Cumming added there are still some good offers available but said homeowners would likely have to lock themselves into a deal to keep the rate down.
"The watchword here is speed, as the best deals will disappear quickly," she said.
Some homeowners may feel moving is not the option for them, deciding instead to increase the space to their home.
A recent Halifax study recently showed the average perceived value added to a property by building something like a conservatory, extension or loft conversion in £21,207.