Last updated July 2026
Disclaimer
Please read this carefully before using our calculators or any content on the site.
This disclaimer applies to every calculator and page on this Site. It exists to make clear that our tools are educational only, and that any figures shown should not be treated as regulated financial advice.
MortgageToolsHub.com provides free educational calculators only. Results are illustrative estimates and do not constitute regulated financial advice. MortgageToolsHub is not FCA authorised.
All content and calculators on this Site are provided for general informational and educational purposes only. Nothing on this Site should be interpreted as personalised financial, legal, tax, or investment advice. We strongly recommend that you consult an FCA-authorised independent financial adviser before making any decision about a mortgage, equity release plan, lifetime mortgage, remortgage, or annuity. Reading this disclaimer carefully helps you use our free tools the way they're intended: as a starting point, not a final answer.
Our calculators use standard UK and Canada lender loan-to-value tables, published interest rate ranges, and general market assumptions current as of the "last updated" date shown on each page. Actual offers from lenders will vary based on your individual circumstances, credit history, property valuation, and the specific lender or product chosen. Figures shown should not be treated as a quote, offer, or guarantee — two people entering similar numbers may still receive very different offers from an actual lender.
Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits such as Pension Credit, Council Tax Reduction, or Universal Credit. It may also have inheritance tax implications. Equity release plans typically involve compound (roll-up) interest, and early repayment charges may apply if you repay the plan early. For independent, regulated guidance, see the Equity Release Council or speak with an FCA-authorised adviser before proceeding with any equity release or lifetime mortgage product.
MortgageToolsHub.com is not authorised or regulated by the Financial Conduct Authority (FCA) in the UK or the Financial Consumer Agency of Canada (FCAC). We do not arrange, broker, or sell financial products, and we do not receive commission from lenders or advisers referenced on this Site. We built MortgageToolsHub as a genuinely independent resource, free from the conflicts of interest that can come with commission-based referrals.
To the fullest extent permitted by law, MortgageToolsHub and its owners accept no responsibility or liability for any loss, damage, or financial detriment arising directly or indirectly from your use of this Site, reliance on calculator results, or decisions made based on information published here.
This Site may contain links to third-party websites, lenders, or resources, including MoneyHelper and the Equity Release Council. We do not endorse and are not responsible for the accuracy or content of any external website.
For free and impartial guidance on mortgages, equity release, and retirement planning, contact MoneyHelper, the UK government-backed financial guidance service, before making any decision. Speaking with an impartial guidance service alongside using our calculators can give you a fuller, more balanced picture before you commit to any product.
This disclaimer should be read together with our other site policies. Our Terms and Conditions explain the rules for using the Site, our Privacy Policy explains how your data is handled, and our About Us page explains who we are and why we built MortgageToolsHub. If anything here is unclear, our Contact page is the quickest way to reach us, and our homepage lists all 25+ free calculators this disclaimer applies to.
If you have questions about this disclaimer, or about how a specific calculator's figures were produced, contact us using the details below.