To consolidate fees into your home loan you will need to borrow extra to cover the cost of your home plus the fees.

For instance; if you want to borrow $200,000 to cover your home and the fees are $20,000, then you can borrow a total of $220,000. If the $220,00  is over 80% LVR then you will have to pay LMI on that.

You will need to specify where this money is going as part of your application but your lender will have it in their notes that the loan amount to be borrowed will encompass the covering of a portion or all of stamp duty.