The mortgagee's costs, charges and expenses which he may add to his security do not, in the absence of special stipulation, include the costs of negotiating the loan and preparing the mortgage as, for these, the mortgagor is personally liable1. Where the mortgage is to cover every sum advanced or paid by the mortgagee to the mortgagor, or to become owing to the mortgagee by the mortgagor, this does not cover costs
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