Stephen Noakes, marketing director at C&G, said there are a number of options available to borrowers and it is key to start the process early.
"People can clearly walk up and down the high street and see the different deals that are available, they can go and speak to a mortgage broker and online is also a very good channel to do that," he added.
Figures released this month by the Council of Mortgage Lenders revealed 47,000 home loans were approved in June compared to 52,000 the month before and 98,000 in June 2007.
The CML also reported last month there were 11.74 million outstanding mortgages in the UK during the first-half of this year.
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