Timing personal loan with mortgage offer

Ranjanx

Hi
I have a mortgage offer in hand and am hoping to get the purchase completed within the next month or so. I had to borrow some money from friends to get the deposit available for the lender to see it. However, I would prefer to return that and use a personal loan to settle the deposit amount.
Question is : Is there a good or better time to apply for this loan so that the mortgage offer is not affected by any damage to my credit rating ?

Thanks in advance

_Andy_

So the source of the deposit will be a personal loan, not whatever you put down on the application form?
I.e. fraud. Nice.

Ranjanx

I did put down "savings, friends and family" but if changing it does mean fraud then I guess I can leave that as it is.
Thanks

_Andy_

Well if the true source is a deposit then it is fraud. You don't have savings, you had to borrow the money.