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The only test you need to do is to find out if you have two completely separate circuits IR test between the neutrals from each circuit then the lives, all done at the CU dont forget to take the neutrals off the bar
(Nudge)
You've made the same mistake I did earlier, testing neutral to neutral won't identify a borrowed neutral.
Testing live of 1 cct to neutral of another with loads connected is the only way. A borrowed neutral is where a live is connected to 1 cct but the neutral of another cct is used.
The classic example is the upstairs/downstairs 2 way. A 2 gang sw at the bottom of the stairs has a T+E from the hallway light connected as live and sw live, this live is used to feed the 2 way to upstairs.
A twin is run from this switch to the upstairs switch and forms the strappers.
A sheathed single is run from the upstairs switch to the upstairs light.
The upstairs light gets its neutral from the upstairs feed, often another sheathed single.
End result is a live from one circuit and a neutral form another.