Questions on bank statements

Betty2012

I have read from a few long running threads on here that questions are asked from bank statements. What type of questions are asked?
Is it? 

Why have you transferred £20 to someone for cakes twice this month?  

Or why has someone transferred you £25 names baby smith ( for a baby gift)

why has someone transferred you £500 ( refund from a cancelled birthday cottage)

Why do you have a union sub?

or am I way out? 

Swoosh84

I personally never got asked any questions on my payments. I think they are going to more question payments such as £100 going out each month to a Ladbrokes gambling account.

davidmcn

If you're talking about a mortgage application, generally they'll be looking for evidence of (regular) financial commitments you haven't otherwise declared - one-off payments, or a £40/month cake habit, are unlikely to be a concern.

CLJ2986

I was asked what my direct debit to boots was for (contact lenses), a direct debit from my partners account, a large credit from my partners mum (a gift, not part of our deposit) and to clarify my loan payments. 

Russ39326

Halifax didnt ask for statements. Just proof of salary in form of payslips

Betty2012

Thanks all. I am so nervous that I will get asked all sorts of questions. 

[Deleted User]

Depends on the lender. It can go from not asking anything, to only wanting to see wages coming in, to asking minute details. 
I got asked about magazine subscriptions and payments to parents on a recent application that was only 40% ltv and 2x income

dimbo61

Depending on the lender and your income/deposit they might be concerned if you live in your overdraft and spend every penny you earn each month and more.
If it's complex case ! Various sources of income and say more than one mortgage or BTL mortgage, then your mortgage broker will have lots of questions to ask about your lifestyle and expenditure.
I was asked how much I spent on a haircut, any expensive hobbies, loans, Self assessment history etc

claneyuk

Got a mortgage offer from Nationwide this week.

Only had to provide 3 months payslips. They didn't ask for bank statements at all.