About GetMortgageCalc
GetMortgageCalc is a browser-first tool built to help people estimate mortgage affordability and repayments before speaking with a regulated lender or broker.
Who built this
Built by Muhammad Hamza Riaz, Founder of GetMortgageCalc. Developer of mortgage and financial planning tools helping homebuyers in the UK, US, Canada, and Australia make informed borrowing decisions. Passionate about making complex financial calculations accessible to everyone.
Contact: hello@getmortgagecalc.com
What we do
We provide free mortgage estimation tools for the UK, US, Canada, and Australia so users can compare payments, affordability, and common scenario changes quickly. Every calculation runs in your browser — no data is sent to any server.
How this calculator works
The calculator runs in your browser and gives estimation outputs only. It is designed for planning and education, not as financial advice or a lending decision. See our editorial policy and financial disclaimer for our full methodology and limitations.
Methodology and data sources
- UK: HMRC and Bank of England (BoE) reference points for SDLT bands and stress tests.
- US: Consumer Financial Protection Bureau (CFPB) guidance for DTI ratios and qualification rules.
- Canada: Office of the Superintendent of Financial Institutions (OSFI) B-20 stress test standards.
- Australia: Reserve Bank of Australia (RBA) and APRA serviceability assessment context.
Regulatory context
Mortgage markets are regulated by country-specific bodies, including the FCA (UK), CFPB (US), OSFI (Canada), and ASIC (Australia). This site is informational and does not replace regulated advice.
Privacy-first by design
Your mortgage calculations are performed locally in your browser. We do not store your form inputs as part of a mortgage application workflow.