Mortgages – Net banks vs bricks and mortar

Is there any difference, benefit, or demerits between net banks (e.g., SBI Aruhi, Aeon bank) and traditional brick and mortar banks (e.g., MUFJ, Risona).

In this case, assuming the person has a steady job, PR and is looking for a mortgage well within their means.

by Old_Warthog7751