1. Go for the best rate
2. Go for the experience mortgage sales person

Without an experienced sales person, you will suffer from delay and you will need to follow up this and that because your sales person did not do this did not do that...

Personally, i had a bad experience from sales person from alliance bank. The bank benefits may not be bad or similar with other banks, but your inexperience sales person may cause you a lot of problems .. where you will waste a lot of your time.