Financial Disclaimer

Not Financial Advice

The information, tools, and content provided on GetMortgageCalc (getmortgagecalc.com) are provided for general informational and educational purposes only. Nothing on this site should be construed as:

• Financial advice, investment advice, or professional mortgage advice
• A mortgage offer or lending decision of any kind
• A recommendation to buy, sell, or invest in any property or financial product
• A guarantee of mortgage approval or specific borrowing limits
• Legal, tax, or accounting advice

Calculator Outputs Are Estimates

The mortgage calculations provided by this tool are mathematical estimates based on the inputs you provide. They do not take into account:

• Your credit score — Lenders assess creditworthiness individually. A lower credit score will typically reduce the amount you can borrow and/or increase your interest rate.
• Individual lender criteria — Each lender applies its own underwriting criteria, which may differ substantially from the general rules used here.
• Property valuation — The actual value a lender places on a property affects loan-to-value (LTV) calculations.
• Income verification — Lenders verify income through payslips, accounts, or other documentation. Self-employed income is assessed differently.
• Existing liabilities — Outstanding debts, credit cards, and other commitments affect affordability assessments.
• Market conditions — Interest rates and mortgage products change frequently. Rates shown are indicative only.

Accuracy & Completeness

While we make every effort to keep our content accurate and up to date, GetMortgageCalc makes no warranties or representations of any kind — express or implied — regarding the completeness, accuracy, reliability, suitability, or availability of the information, tools, or related graphics on this website.

Tax rates, regulatory rules, stress test thresholds, and stamp duty bands change periodically. We aim to update our tools and content promptly when changes occur, but we cannot guarantee that all information is current at any given time.

Regional Regulatory Notices

Your Responsibility

By using GetMortgageCalc, you acknowledge that:

• Calculator results are for planning and educational purposes only.
• You will seek independent regulated advice before making any mortgage or property purchase decision.
• GetMortgageCalc and its operators have no liability for any financial decisions made based on information from this site.
• You input your own data and are responsible for verifying its accuracy.

Third-Party Links & Content

This site may contain links to third-party websites, brokers, or comparison services. These links are provided for convenience only. GetMortgageCalc has no control over the content, privacy practices, or accuracy of third-party sites and accepts no responsibility for them. Inclusion of a link does not constitute endorsement.