PM me your bank details, PIN numbers, code-words for online banking etc and I will deposit $20,000,000 that my late uncle (the Nigerian Finance Minister) had in his Swiss bank accounts. Send me the balance in six weeks time and you keep the interest.
1. You can negotiate agency fees, especially if you tell them it will be paid in cash
2. Often you can add survey fees to the mortgage, cheapest loan you'll get anyhere.
3. Most mortgages allow you to take a six month "payment holiday" after the first few months or so. If you can beg/borrow to get you through this, then take that payment holiday and use the money you aren't paying in every month to repay your loans
Sounds like you might be running things a bit close, though. Remember that things do go wrong and don't commit yourself to something you may not be able to repay.