Add mortgage fee to mortgage or pay separately?

Runningmad

Morning.
As the title says really, any advice to paying separately or add to mortgage?
Thank you

getmore4less

Don't get fooled by the pay up front saves you interest.

Its just an overpayment like any other.

borrow less by the amount of the fee and add fee  to the loan  end up with the same net borrowing.

2 reasons .
you get to keep your money for a bit longer
if you pay up front you don't always get it back

Runningmad

Thank you for replying. We are FTB so you can imagine advice is gratefully received. 

Exodi

Our mortgage advisor recommended we add it to the mortgage also plus we found out it doesn't impact the LTV.

One of the biggest benefits was if the application doesn't complete, you don't lose out (liek you might if you paid the product fee upfront).

As getmore4less says, think of it like an overpayment.

Runningmad

Yes our mortgage broker explained the same thing about not losing out if the mortgage doesn't complete.
All is clear now. 
Thanks all, that's why I like this forum. 

london21

I added mine to the mortgage.
I compared the different between with mortgage fee and without mortgage fee.
I can then pay it off within first few months of mortgage compared to if mortgage does not go through the stress of asking for a refund.