Transparency · Content Standards
Editorial Policy
This page explains how GetMortgageCalc creates, reviews, and maintains its mortgage guides, blog articles, and calculator tools — so you can understand the standards behind everything you read.
Last reviewed: June 2026 · Written by Muhammad Hamza Riaz
Our Mission
GetMortgageCalc exists to give homebuyers a clear, unbiased starting point for understanding mortgage affordability and repayments — before they speak with a regulated lender or broker. Every piece of content we create is designed to be educational, accurate, and transparent about its limitations.
We do not sell mortgages, receive lender commissions on calculator outputs, or provide regulated financial advice. This independence allows us to present information without commercial bias.
Who Creates Our Content
All guides, blog posts, and calculator methodologies are written and reviewed 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.
We cross-reference all calculations and regulatory information against official government and central bank sources (listed below) before publication. Content requiring specialist knowledge is reviewed against published guidance from the relevant regulatory bodies.
Content Creation Process
1. Research
We start by consulting official sources: HMRC, Bank of England, CFPB, OSFI, ASIC, and RBA. We review current lender guidance and regulatory publications.
2. Draft
Articles are written in plain English, targeting homebuyers rather than finance professionals. We avoid jargon or define it clearly when necessary.
3. Fact-check
All statistics, tax bands, rates, and regulatory thresholds are verified against primary sources before publication. Calculations are tested in the calculator tool.
4. Publish
Content is published with a 'Published' date. Any guide or article that relies on regulatory thresholds is flagged for scheduled review.
5. Review
Guides are reviewed whenever regulatory changes occur (e.g. SDLT band changes, stress test threshold updates). We aim to review all cornerstone content at least annually.
6. Update
Updated content shows a 'Last updated' date. Significant changes include a brief note explaining what changed and why.
Data Sources & Methodology
Our calculators use the following official sources for their rules and thresholds:
| Region | Primary Sources | Key Rules Applied |
|---|---|---|
| 🇬🇧 United Kingdom | HMRC, Bank of England, FCA | SDLT bands (2026), stress test (BoE +3%), income multiples |
| 🇺🇸 United States | CFPB, Fannie Mae/Freddie Mac guidelines | 28/36 DTI ratios, PMI thresholds, conforming loan limits |
| 🇨🇦 Canada | OSFI (B-20 Guideline), CMHC, Bank of Canada | Stress test (max of 5.25% or rate+2%), CMHC premium bands |
| 🇦🇺 Australia | APRA, RBA, ASIC | Borrowing power (3% buffer), LMI thresholds, serviceability assessment |
Calculation Methodology
All mortgage calculations run entirely in your browser using standard financial mathematics:
- Monthly repayment: Derived using the standard amortization formula —
M = P × [r(1+r)ⁿ] / [(1+r)ⁿ−1]where P = principal, r = monthly interest rate, n = number of payments. - Affordability: Based on income multiples and debt-to-income ratios per the applicable country rules. Stress tests are applied where regulatory requirements mandate them.
- Stamp Duty / Land Tax: Applied using the current marginal band rates for the relevant jurisdiction (2026 rates).
- Amortization schedule: Computed month-by-month, visualised as an annual chart. No server-side processing occurs.
Important limitation
Calculator outputs are estimates based on the inputs you provide and the applicable regulatory rules at the time of calculation. They do not account for individual lender criteria, credit scoring, property valuations, or other factors a lender will consider. Always consult a regulated mortgage broker or lender for an accurate offer.
Independence & Conflicts of Interest
GetMortgageCalc is funded by display advertising (Google AdSense). We do not receive commission or payment for recommending specific lenders, brokers, or mortgage products. Calculator results are not influenced by any commercial relationship.
Where we link to third-party services (such as comparison sites or brokers), these are presented as optional resources only. We clearly identify any affiliate or sponsored links where applicable.
Corrections & Feedback
If you spot an error, outdated figure, or inaccuracy in any of our content, please contact us at hello@getmortgagecalc.com. We take accuracy seriously and will review and correct errors promptly.