In Australia it's possible to get a 30 year 107% (or thereabouts) loan, which stacks fees such as stamp duty and mortgage insurance onto the initial loan value. It's marketed more at people who want to buy a home so in reality it's a pretty raw deal, if you do nothing your $20k worth of costs attracts interest for the next 30 years.
Then again these are people who are refinancing 30 year loans to buy a plasma TV........