Alternative
CheckMyFile is not a property report. Use MyPropertyScan for the home itself.
Some buyers search for CheckMyFile when they really mean checking whether they personally look mortgage-ready. That is different from checking the property for flood, subsidence, tenure, legal and local risk.
Short answer
CheckMyFile helps with your credit file. MyPropertyScan helps with the property: public-record risk, ownership/legal prompts, local context, calculators and a PDF buyer report.
Last updated: 7 July 2026. Editorially reviewed: 7 July 2026.
Tool shortcut
Check the property before you offer
Flood, subsidence, EPC, crime, schools, transport, broadband, tenure, age, listed status and price checks where data is available.
Run a free previewBuyer check vs property check
| Question | CheckMyFile | MyPropertyScan |
|---|---|---|
| Will lenders like my credit profile? | Relevant | Not the job of the report |
| Is this property leasehold or freehold? | Not a property check | Tenure signal where Land Registry data supports it |
| Is flood or subsidence a concern? | Not a property check | Core risk checks where data is available |
| What should I ask my solicitor? | Not a property check | Legal-risk prompts and source appendix |
| Can I download a property PDF? | No property-risk PDF | Yes, full buyer report PDF |
Use the right check at the right time
Before viewing or offering, check the property. Before applying for a mortgage, check your credit profile. Before exchange, rely on your conveyancer, lender and surveyor.
Those steps complement each other. They do not replace each other.
What MyPropertyScan adds
MyPropertyScan is designed around the address, not the buyer's credit file. It pulls the property and location issues into one report and tells you what to verify next.
Related next steps
FAQs
Is CheckMyFile a property report?
No. CheckMyFile is known for credit-file reporting. It is not a UK property-risk report for a specific address.
Should I check my credit file before buying?
Yes, if you are applying for a mortgage. But you should separately check the property for risk signals before you spend money on surveys and legal work.
What should I use before a second viewing?
Use a free property preview first. If the home stays on your shortlist, unlock a full report and take the PDF to your surveyor or solicitor.
Editorial review
Reviewed by the MyPropertyScan editorial team. Editorial owner: BiteRight Ltd, operator of MyPropertyScan. We review buyer guides against UK public property datasets, RICS survey wording, lender requirements, and common buyer questions.
Pages are updated when source coverage, property-risk guidance, survey cost assumptions, or product checks materially change. Methodology and dataset limitations are explained on the MyPropertyScan methodology page.
Competitor details are based on public website pages visible on 7 July 2026. Always verify current pricing and coverage before buying. General information only, not legal, mortgage, insurance or surveying advice.