If you're looking to get a mortgage (for whatever reason), then I can tell you straight off that you should never agree to a deal that you're not happy with. Why do I say that? While it can be true that some of the larger and better known mortgage companies can afford to offer you a better deal due to the sheer volume of business they're doing, surprisingly there are a good few mortgage dealers that can often beat the ones offered by the larger and more well-known companies. This is mainly because they're smaller and more personal.

There really isn't an excuse for not comparing a range of mortgage deals so that you can find the right one for you. This is simply because a mortgage can be a pretty severe drain on your income, and while you may think they're all the same now in a year or so you could well find that if you went with another less well-known company you might have saved yourself some money. That said, there rarely is a 'best' deal for mortgages that applies to everyone. Each individual has different needs. So I'd highly recommend taking a look at what the better advertised companies have to offer first and then - before you sign that particular contract - look through what the best deal other companies have to compare it with.

If the first bank you check with has what seems like a pretty decent interest rate and another one has one a fraction of a percent higher then you could quite happily mention the offer your other bank has made you to see if they can beat it. Realistically, they can't expect you to get a mortgage with them if they can't give you anything better than somewhere where you already know the details of. If they can trim a smidgen of the interest rate off, or perhaps give you some added bonus to make up for the fact that you're paying a little extra, then they might well do simply on the basis that, in the long run, they still end up making a profit. If you're visiting a local branch, make an effort to talk to someone higher up the ladder of authority. This is if you feel like someone with the right to give you that extra little saving is needed instead of their average salesman.

Remember, banks are keen to get you in to debt as that's their main way of earning money. Play that to your advantage, shop around, check local branches, head to some internet mortgage-comparison sites and you could either save yourself a good lump of cash or get some nice little freebie thrown in. If you end up with the same interest rate but get a nice little bonus on your savings account with a second bank, then really it's a no-brainer as for which one you choose. Many people reckon that the little added extras don't make a difference. But when it comes to choosing between two otherwise identical deals, the one that gives you the freebie will clearly get your business.