Whether you're a first-time buyer, a second stepper, a homeowner looking to remortgage or a buy-to-let landlord, 2019 looks set to be a rollercoaster of a year.
With uncertainty aroundand the prospect of further, being proactive with your finances and getting the best mortgage deal could be a new year's resolution that saves you thousands of pounds in the course of 2019.
We've analysed market activity in the past year and identified emerging trends in order to bring you our predictions for the 2019 mortgage market.
When it came to mortgage rates, buyers with small deposits had a rough ride for a few years, but now the tide is turning.
The number of 95% deals also increased, with banks becoming increasingly competitive in their bid to win new mortgage customers.
And with signs that other parts of the mortgage market are continuing to get more expensive, 2019 could see even greater competition at 95% LTV, and even better deals for first-time buyers.
In some parts of the country, would-be homeowners struggled to build up even a 5% deposit and in November, the Building Societies Association to be more innovative in their approach to first-time buyers.
It's likely that if lenders do launch 100% deals, they'll be limited to certain professions or will only be available to people with the likelihood of significant inheritances.
While mortgage providers usually cap lending at 4.5 times the combined annual income of applicants, professional mortgages allow borrowers in specific professions (for example, doctors, dentists etc) to take out a home loan at up to 5.5 or even 6 times their salary.
These income multiples are significant due to restrictions put in place by the Bank of England, which limit how many mortgages can be granted at more than 4.5 times an applicant's income - a level it considers 'risky'.
Amazingly, controversial ground rent 'doubling' clauses on leasehold flats are yet to be banned, and some mortgage lenders will theoretically still offer loans on properties containing these clauses.
Indeed, of the 10 biggest mortgage lenders, only Nationwide and Santander have definitively ruled out offering home loans on properties with doubling ground rent.
In 2019, leasehold is likely to remain under the spotlight, meaning more lenders could amend their criteria.
For some homeowners, taking the second step up the ladder can be even more difficult than buying their first home, with low wage growth and high house prices creating an affordability gap.
And with uncertainty around Brexit, many homeowners are resolving to stay put, meaning 2019 could be the year of the low-cost remortgage.
If you're moving up the ladder, you might be looking to borrow at an LTV of 60-80%, a level that generally offers attractive rates.
The bad news is deals at these levels have become more expensive, and with the possibility of further base rate increases, it seems unlikely that they'll get cheaper this year.
There is some good news, however. Although they're now well above their historic lows, mortgage rates still remain attractive, especially on longer-term fixes.
And, with lenders seeing their profits squeezed, chart-topping introductory rates are increasingly being replaced by cashback or fee-free incentives.
Approximately one in five mortgages come with such incentives, and it would be no surprise if that figure continues to rise this year, or if the biggest cashback incentives creep over the £1,000 mark.
Two and five-year fixed-rate mortgages have long been popular, and the number of 10-year fixes is increasing year-on-year, but don't be surprised to see more lenders offering deals that fill the gaps in 2019.
While you shouldn't bank on 2019 being the year of the four- or six-year mortgage, lenders are likely to continue to diversify the range of deals they offer - so watch this space.
As it stands, the vast majority of Help to Buy remortgaging products require you to pay off your outstanding equity loan, with only a handful of options available to borrowers who aren't able to pay off the outstanding loan at the time of remortgaging.
With more homeowners coming to the end of their fixed terms this year, a growing number of lenders could launch specialist remortgaging products or extend their ranges to include Help to Buy borrowers in 2019.
This means landlords looking to get a mortgage would need to prove their incoming rent would cover at least 145% of their mortgage payments to get approved for a loan.
This move could be the catalyst for other banks and specialist lenders to amend their criteria in 2019.
In October, five-year fixes for landlords hit the lowest rates on record, dropping to an average of just 3.4%.
And, as with the residential market, this reflects a trend of longer-term fixed-rate deals becoming more attractively priced across the board.
Some lenders have also begun to offer 10-year buy-to-let fixes, too - another area that could increase in popularity this year.
Buy-to-let mortgages tend to come with higher up-front fees than normal residential products (up to £2,499 in some cases), but an increasing number of lenders are now offering as they look to entice landlords refinancing their portfolios.