Many lenders will allow you to add some or all of the re/mortgage costs to the amount borrowed, including application fees, broker fees and sometimes legal and valuation costs. This is often a very useful feature if you want to keep the up-front costs as low as possible. You should be aware, though, that by adding fees to the loan, you will pay interest on them for the full term of the mortgage, increasing the total amount you pay. If you can afford to pay the fees from your own savings, it is likely to save you money in the long run.