Find the best mortgage deal in July 2019

Looking for the best mortgage deal this July? Whether you are a first-time buyer, downsizer, buy-to-let(er) or looking to remortgage, we can help you out with the best rates and advice

Person with calculator: Find the best mortgage deal
(Image credit: Getty)

Looking for the best mortgage deals and best mortgage lenders? You are in the right place. We have teamed up with online mortgage broker Habito to help make finding cheap mortgage deals even easier.

So, whether you are looking to take out a new mortgage, remortgage your existing home, or just want to check if you could be paying a better rate, fill in the online mortgage calculator form below to compare mortgages from top lenders. You can also search for buy to let mortgages if you're planning to let out your property. 

Habito will then offer you an online chat, advising you on the next stages, helping you assess affordability and giving you impartial advice to ensure you get the best deal for you. Use their mortgage comparison calculator below to find the best mortgage for you. 

Please note: Habito is an online mortgage broker and whole of market lender so they will assess the best deals available and work out which works for you. We have an affiliate relation with Habito and take a small percentage of commission for referring you to them.

Why summer is the best time to find a mortgage

While you can look for mortgage deals at any time of year, the summer months may well be a better time to actually start your mortgage application. There are couple of reasons for this: firstly, most mortgage lenders will want to see that you've been in your current job for at least six months; the best months for getting a job (and when most people apply and are hired) are January and February, which means that if you've recently changed jobs, you are more likely to be in good shape for a mortgage application by the summer.

Secondly, it's a good idea to look for a mortgage deal (and apply) before that expensive late August holiday. Mortgage lenders will want to look at your spending, so it's best to present them with a more frugal picture of your finances.

Conversely, if you are remortgaging, you may actually free up some cash for a summer holiday you didn't think you could afford.