For one stay away from any mortgage referal clowns.
Two - Bank Of China quite often gives a very good deal - just talk to a few different people at a few diff branches till you find one that understands what you need.
Plus they will give you a free of fees for all time Platinum VISA when you mortgage through them - but so will most banks.
Three - Tell them exactly what you want and wait for them to say yes or no. Don't ask them what they think/offer. They don't.
There are many ways to finance - talk to guys who have done it - you don't really expect us to type up the whole procedure here for your entertainment do you? It ll take me all day.