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@hippy
It is in their interest. If it's a loan then repayments will need to be factored in to expenses when they work out whether or not you can actually afford the loan. If it's from dodgy dealings or family then they might see it as a risk if the originators want their money back for whatever reason.
It's skipping over these kind of checks that caused the whole sub-prime fuck up. "What's that, you're both unemployed smack heads, sure you can have 105% loan, saving is for chumps after all."
http://www.santanderforintermediaries.co.uk/library/lib_195.pdf