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I have been cleared for a 92% mortgage with the bank but getting the 8% deposit together is difficult. the credit union is willing to give me a personal loan enough to cover the deposit but must i then declare that to the bank during the application process? i know technically i should but i have been told by people that the credit union is a private organisation and that the bank wont have access to their accounts.is it a big risk or is it something people do?

Do it now! most credit unions do not submit borrowers details to the credit agency thingy (cannot remember the name) so it does not show up as a borrowing when they do their credit check, so you should be able to get away with it, like many of us have! all the best in your new home.