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They may delay proceedings needed to get a mortgage by prompting additional questions from lenders and other problems therefore they advise against adding a little bit of whimsy when shooting over your pal the 20 quid you owe them for that round of drinks.
However, other brokers pointed out that the most important thing was that the payments were legitimate.
Daniel Bailey from Middleton Finance told The Financial Times “the reality is that they are looking for whether your payslips are real or not.
“They want to know whether the money is really coming in, and they check that carefully. I’ve had clients with loans from friends and family, and they scrutinise them for things like that, but I’ve never seen anyone scrutinised for bad language.
Some people wondered how far back with their bank statements lenders looked at after worried it being “too late” for them.
“For those of you who asked how far back they check back - most of the time it’s three months, your application is only affected if it’s something illegal.”