Does lender see the same credit file as me (online) ?

I had an AIP for a mortgage from the Halifax last week, and had an offer accepted this week, and instructed the survey/valuation.

A month before the AIP application, I decided to reduce balances and close some credit cards. This involved transferring balances between two cards, closing one down, and paying down the transferred balance.

I have just noticed that both equifax and experian show balances from previous statements, and not the actual 'live' balances.

So, when I did my AIP last week my total card balances were showing at 5k, but they now show as 5k on one card, even though it is actually now under 1k. I expect this will be updated next month. The other card is shown as settled, so it has increased my 'used credit' percentage.

But when the Halifax carries out a full search after valuation, will this cause any problems?

Thanks.