You can check against - Google Safe Browser, Phishtank and other free phishing feeds if you don't have the money for real-time databases or proactive site scrapers.
This is one of the ways that we protect the end user from Phishing at https://www.phishprotection.com - part of the magic is to do a bunch of sanitization before accepting the message including strict SPF, DKIM, DMARC validation / virus protection at the edge / and watching the registration of SSL certificates for commonly exploited domains https://blog.0day.rocks/catching-phishing-using-certstream-9...
If anyone is interested we rewrite URLs to match your domain name - something like linkcheck.yourdomain.com (protected by LetsEncrypt) and if you ever decide to leave you can export out the re-written URLs and redirect your domain to your own servers.
If you'd like to give it a try, feel free to let me know.