Turn 6 Months of Client Bank Statements into an Underwriter Summary in 60 Seconds.
Built specifically for UK Mortgage Advisers & Brokers. Auto-categorise client income, debt commitments, BNPL, gambling, and overdraft usage with zero client data retention.
See a sample statement become an underwriter summary
Explore a fictional Barclays case to see how StatementCheck surfaces income, commitments, and affordability risks in seconds.
Fictional data · No upload required · Takes about 60 seconds to explore
Four checks that catch what advisers miss
Every statement is scanned against FCA MCOB 11 affordability requirements and lender-specific red flag patterns in real time, assisting CeMAP advisers with their FCA obligations.
Income Reconciliation
Compares declared salary against actual BACS and FPS bank deposits — flags variance for underwriter review.
Instant Gambling Detection
Flags PaddyPower, Bet365, SkyBet, and 40+ operators — automatically calculates monthly gambling as a % of net income.
Undisclosed BNPL & Credit Debt
Spots Klarna, Clearpay, PayPal Pay-in-3, and unrecorded loan direct debits your client forgot to mention.
Overdraft & Stress Indicators
Counts unarranged overdraft days, returned direct debits, and bounced payment patterns over the full review period.
Enterprise Data Privacy & UK GDPR Compliant
Built from the ground up for regulated financial advice firms. Every architectural decision prioritises client data protection above all else.
Zero Client Data Retention
StatementCheck acts as a Data Processor under UK GDPR. All bank statements are processed in-memory with zero disk retention, ensuring client financial records are never saved or stored.
In-Memory Execution
Statements are parsed in volatile memory within an isolated container — nothing persists after the report is generated.
Commercial API Zero-Data Retention
Our commercial OCR and analysis APIs are configured with zero data retention agreements. Your data never trains a model.
100% Free for UK Mortgage Advisers
Enjoy unlimited bank statement affordability analyses and underwriter summary exports during our early access launch—no credit card required.