The research by mform shows that more than one in four borrowers are increasing their mortgage by around 3,770 to cover the burden of stamp duty, which is charged on properties worth at least 125,000.
Around two-thirds of people who purchased a property in the last three years paid stamp duty, including many first-time buyers, the report stated.
Chief executive Eamonn Rice said: "With all the other costs associated with homebuying it is no surprise that people are using their mortgage to help pay their stamp duty bill.
"However putting the cost on your mortgage means you will be paying for stamp duty for a long time and the interest will mount up.
" According to Pierre Williams, communications chief at Inside Track, first-time buyers in London are being forced to take out bigger mortgages as stamp duty rises to about 7,700.
The mortgage lending sector at the start of 2007 is in robust shape, the Council of Mortgage Lenders (CML) has confirmed.
According to the CML, gross lending hit record January high of 26.
8 billion and although this was down by six per cent on the 28.
5 billion in December, it is up by 16 per cent on the previous January figure of 23 billion.
CML director-general Michael Coogan said he expects the strong nature of the market to continue for the next months, although much depends on the movement in interest rates.
"While we avoided a rate rise earlier this month, the markets are still expecting at least one more quarter point rise by the middle of the year," he pointed out.
"And, because of this uncertainty, it would be surprising if some home buyers did not review the timing of their decision to move.
" Research by Yorkshire Bank shows that more than two-thirds of homeowners think house prices will continue to rise this year, with most expecting prices to increase even further in 2008.