Mogecheck review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
For households planning a purchase or remortgage in Japan, Mogecheck brings together housing loans from net banks, major banks and regional banks with simulation and approval probability guidance. Mogecheck is a mortgage information service run by housing loan professionals and former bank staff for borrowers researching options before application.
Key facts
- Best for
- Housing loan research across Japanese banks
- Initial rate
- 0.95%↗
- Product fee
- ¥0↗
- Purpose
- Purchase, Remortgage↗
- Legal entity
- 株式会社MFS (MFS, Inc.)↗
- Headquarters
- Japan↗
- Founded
- 2009↗
- Support channels
- Chat, Email, Help-centre↗
- Official website
- mogecheck.jp
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Elsewhere
- Xinstagram.com
Pros and cons
Pros
- Covers net banks, major banks and regional banks for housing finance
- Shows approval probability before a formal housing loan application
- Includes guidance from advisers with housing loan professional backgrounds
- Handles purchase and remortgage journeys with application handling for select lenders
Cons
- Focuses only on housing loans rather than wider borrowing needs
- Application handling covers only select financial institutions, not every listed bank
Who it suits
- Households planning a home purchase in Japan
- Owners planning a remortgage in Japan
Who should look elsewhere
- People seeking non housing borrowing
How Mogecheck compares
Where Mogecheck is available
- Available
- Japan
- Licence in Japan
- Governor of Tokyo (money lender business registration) (東京都知事 第31690号), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who runs Mogecheck?+
Mogecheck is run by MFS, a team of housing loan professionals and people with experience at financial institutions. Members include former staff of major banks, net banks and regional banks with practical loan experience. Their background supports detailed information and analysis for people researching housing finance.
How does Mogecheck help choose a housing loan?+
Mogecheck shows the probability of passing screening before application and presents suitable loans through diagnosis. Users can review differences in interest structures and coverage across banks. Professional advisers answer questions by message for people who need guidance on housing finance.
What simulations does Mogecheck provide?+
Mogecheck provides a borrowing capacity simulation based on income, age, employment history, company scale and dependents. It also provides a monthly repayment simulation to help picture future payments. The tools help households plan budgets before starting screening with banks.
Which company operates Mogecheck?+
Mogecheck is operated by 株式会社MFS (MFS, Inc.). (Source, checked September 26, 2026)
Where is Mogecheck based?+
Mogecheck is based in Japan. (Source, checked September 26, 2026)
When was Mogecheck founded?+
Mogecheck was founded in 2009. (Source, checked September 26, 2026)
How can I contact Mogecheck support?+
Mogecheck offers support through Chat, Email, Help-centre. (Source, checked September 26, 2026)
Sources
- ir.mortgagefss.jp/overview checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Licences
- mogecheck.jp checked September 26, 2026
Backs: Initial rate, Purpose, Support channels
“お問い合わせ / よくある質問 / 質問する (message chat with advisors, no phone or in-person consultation)”
- mogecheck.jp/app checked September 26, 2026
Backs: Product fee
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: APRC, Fixed period, Maximum loan to value.