Incentives offered on some mortgage deals might be attractive but are not a "decision-breaker" for consumers, according to one expert.
Darren Cook, head of mortgages a Moneyfacts, stated that such perks generally offer "just some add-on value" for a mortgage.
Other elements of a mortgage will be more important to customers, he explained.
Mr Cook said: "Within the mortgage market [perks] are few and far between. If you look at the mortgage in its entirety, you need to look at whether that product is suitable for the individual."
The state of the mortgage market means that most customers will be concentrating on finding a bank that will offer them the level of loan-to-value that they require, he added.
Mr Cook's comments follow the announcement that one of the UK largest mortgage lenders has launched an Airmiles product.
The Lloyds TSB Airmile Mortgage offers consumers the chance to earn airline tickets by paying off their mortgage.
Incentives not vital to mortgage customers, expert claims
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Incentives not vital to mortgage customers, expert claims
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