mortgage fee taking above LTV ignored? And part loaned deposit?

Hi there, I wondered if someone could help here.

I am planning to get a 75% LTV mortgage (the deal says max LTV 75%) but planned on added the circa £1000 fee to the mortgage - but obviously this would take me above slightttttttttttttly over 75% LTV, does the lender ignore this as it's their own fee? or would i only be able to get the 75% LTV if i pay the fee upfront to ensure amount borrowed is 75.00% of purchase cost/value.

meeting solicitor in few days so will ask them but wondered what to expect.

Also, a relative is either going to give or loan me approx £1.5k to "top up" the deposit to 25% - I have a feeling they will insist on it being gift but i'd like to pay it back in few months, however will lender disregard this as effectively part of the deposit is funded by a loan - although only about 5% of it and there would be no fixed repayment terms. Just dont want rejected for the 25% LTV. Dont want to lie and say its a gift if its not. i have a feeling it WILL be a gift but not sure at this stage and rude to ask my relative! I assume if it was "gifted" there'd be no problems since making up small part of deposit....hopefully...

thanks:)