Bangalore: Have you ever spent time out to plan and decide on a mortgage? Did you know what do you have to consider for a perfect mortgage? Most of us usually spend months trying to find a perfect house, but do not think much on the mortgage. Since you are spending a huge amount of money, it is important that you do a small study on the mortgage. Learn and acquaint yourself with all the related information required. A good mortgage will help you save a lot of money, so it is time you started looking into it. Here are a few tips to make mortgage shopping easier - * Know your history Just like you check your monthly expenses for other issues, evaluate your monthly plan and find out how much you can afford to spend. Take into consideration factors like mortgage, property taxes, insurance, monthly maintenance and utilities. Set aside some amount for any emergency. Ensure you have enough and more money saved for the monthly expenses for some time to come. Do not let the banks influence you. Plan ahead to be sure you will be able to afford your monthly payments for several years; also confirm on your credit information .