Muhammad Hamza Riaz

Founder · 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.

Mortgage ToolsUK Property FinanceInternational MortgagesFinancial Education
ContactEditorial Policy

About GetMortgageCalc

GetMortgageCalc was built to solve a common frustration: mortgage affordability calculators that require sign-ups, show ads for specific lenders, or hide their methodology. Every calculation runs entirely in your browser — no data is sent to any server, no account is required, and results are never used for marketing.

The tool covers four countries (UK, US, Canada, Australia) and a specialist expat calculator, each applying the actual regulatory rules, stress tests, and tax calculations for that jurisdiction as of 2026.

Areas of Expertise

Mortgage Calculations

UK, US, Canadian, and Australian mortgage mathematics including amortization, affordability, and stress testing.

UK Property Finance

SDLT bands, Help to Buy successors, Bank of England base rate impacts, FCA mortgage regulations.

International Mortgage Rules

OSFI B-20 (Canada), CFPB DTI rules (US), APRA serviceability requirements (Australia).

Financial Tool Development

Browser-native financial calculators with no data storage, built for privacy and performance.

Selected Guides

View all guides →