E: info@fulcrumfinancial.co.uk

T: 01904 208024

Useful Tools

Please find on this page a couple of useful tools to help you with your mortgage planning.


Credit Report

It’s vitally important when giving you advice regarding your mortgage that we have an accurate and up-to-date picture of your outgoings and credit commitments.

In our opinion, the easiest way to supply this information is to obtain a copy of your credit record.

There are many different companies who can do this for you, but our preferred option is Check my File.

Check my File check FOUR credit reference agencies all at the same time and print the results on one easy to read report.

Click the link below to be redirected to their site and start the registration process. You can try it FREE for 30 days, then its £14.99 a month. You can cancel at anytime however and that’s really easy to do. Once you have a copy of your credit report, save it as a PDF and email back to us (preferably via the secure email link we will provide you with).


Here’s the legal bit…

Please be aware that by clicking onto the above link you are leaving the Fulcrum Financial Ltd website. Please note that neither Fulcrum Financial Ltd nor PRIMIS Mortgage Network are responsible for the accuracy of the information contained within the linked site accessible from this page.

It is YOUR responsibility to cancel any subscriptions to Check My File. Fulcrum Financial and PRIMIS Mortgage Network accept no responsibility for any costs incurred by setting up an account with Check My File. This is a non-compulsory arrangement. Other credit checking providers are available in the market.


Risk Reality Calculator

Life isn’t always straightforward. Unfortunately from time to time we all hear news of a friend or relative who is either:

It’s shocking and all the more difficult to imagine it happening to us.

What are your chances?
Are you prepared?
How would you or your family pay your mortgage and bills if it happened to you?


Enter just a few personal details to see the Risk Reality Calculator results for you

Using only the details you enter here, the results on the next screen give you a rough idea of the chances of one of the above events happening before your chosen retirement age. The calculator uses government and industry statistics and your personal results are shown as a percentage. Please remember, these results are only a guide and are not certain to happen. Everyone is different, as are their financial needs. If you are unsure what to do next, speak to your Fulcrum Financial adviser.


Mortgage repayment calculator

You’ll be keen to know what your repayments will be, so please use our handy calculator below to work out approximate figures so you can plan for the purchase of your property.

Calculate Mortgage Payments

For approximate figures to help you with your mortgage planning, please use our mortgage calculator below.

Monthly repayment (£)


Interest only (£)


This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you, all mortgages are subject to the applicant(s) meeting the eligibility criteria of lenders; and make an appointment to receive mortgage advice suitable for your needs and circumstances.


The calculator above provides a guide to payments for planning purposes and does not guarantee mortgage eligibility. Please get in touch with us to discuss and receive a personal Mortgage Illustration.

Get in touch to find out how we can help

Fill out the form below and we’ll call you back, or give us a ring on 01904 208024