There are 3 main credit reference agencies (CRA) in the UK: Experian, Eqauifax and Call Credit.
All lenders will send details of their debtors through to the agencies on a monthly basis.
When lenders do affordability checks they will compare your declaration of your outgoings against what comes back from the agency that they use.
No CRA covers all of the borrowings in the UK, so you may be lucky and they will not find out about an outgoing that you have, but the chances are they will.
They even found an outgoing I’d forgotten I had. Led to a few tense moments with them quizzing me about a payment I insisted didn’t exist… Didn’t help they wouldn’t tell me who it was too and for how much