The additional costs associated with arranging a mortgage that include a high loan to value fee or arrangement fees, which can be added to the amount you borrow. Fees that may be added vary by lender.

This phrase relates to the additional costs homebuyers encounter when arranging a mortgage.

Often these costs are added to the mortgage amount being borrowed hence the term.

The costs may include; a mortgage indemnity premium, arrangement fees, administration fees, booking fees and others. A small number of lenders may charge a completion fee, which may also be "Added To Loan".

Whether they want to add costs to the loan is oftenat the discretion of the mortgagor. It is important to have a discussion with the broker or lender at the start of the application so you know where you stand. In the iitial fact find is a good time to have a chat through about the costs and options.