Site Editor, MortgageToolsHub
Tayyab Yaqoob
Tayyab Yaqoob runs MortgageToolsHub and checks the figures in its calculators against official and published sources before they go live.
Tayyab Yaqoob, Site Editor
MortgageToolsHub
Tayyab Yaqoob is the site editor at MortgageToolsHub, a free collection of 110+ mortgage and money calculators for homeowners in the US, UK and Canada. He is responsible for the accuracy of every tool on the site, from equity release and remortgage calculators to annuity, tax and US state property tax calculators.
His job is to check each calculator's rates, loan-to-value tables and rules against current lender and official sources, and to say plainly where an estimate stops being reliable.
He started with a simple rule: a calculator should show its working. Each tool on the site comes with its assumptions, its limits and a worked example, so you can see how the number was reached and where it could be wrong.
Page last updated: 31 October 2026
Who he is
Who is Tayyab Yaqoob?
Tayyab Yaqoob created MortgageToolsHub in 2026 and edits it himself. He writes the guides and reviews the figures behind the calculators, so the same person is accountable for what you read here.
His role is that of an editor and researcher, not an adviser. He is not authorised by the Financial Conduct Authority, and the site does not give regulated financial advice. What it does offer is a clear, honest starting point for understanding your own numbers.
The reason for the site
Why Tayyab Yaqoob built MortgageToolsHub
Buying a home, releasing equity or planning for retirement are some of the biggest financial decisions people ever make. Yet many online calculators sit behind sign-up forms, sales calls or confusing jargon.
MortgageToolsHub was started to give people a clearer first step. The calculators run in your browser, so the figures you type into them are not saved by the site. You can try different scenarios without handing over your details.
The aim is simple: help you understand your numbers before you speak to an adviser, not instead of speaking to one.
Topics
What he covers on the site
The 110+ calculators fall into a handful of groups. Here are some of the most used tools in each.
Mortgages and borrowing
Equity release and later life
Pensions and annuities
US mortgages and property tax
- US mortgage calculator
- Home affordability calculator
- Property tax calculators for 32 US states
The process
How the calculators are checked
Find the source
Figures come from regulators, central banks, official tax rules and published lender information, not from guesses.
State the limits
Every result is described as an illustrative estimate, with a plain list of what the calculator cannot see.
Show the date
Each calculator page shows the date its figures were last checked, so you can see how recent they are.
Recheck when things change
Figures are reviewed again when rates or rules change, and whenever a reader reports a possible error.
"Checked" means comparing the rates, loan-to-value bands, tax rates and allowances in a calculator with the current published source, and correcting anything that has moved.
It does not mean the result is a quote or a guarantee. A calculator cannot see your credit history, fees or health, which is why each tool lists where it falls short.
Methodology
How the calculators work
Repayments
Monthly payments use the standard amortisation formula: the loan, the interest rate and the term produce a fixed payment, split between interest and capital each month.
Equity release
The maximum release is an age-based loan-to-value percentage applied to the property value, less any existing mortgage. Interest rolls up and compounds annually on the balance.
Tax and property tax
Tax calculators apply the published bands, rates and allowances for the stated tax year. US state calculators use that state's assessment rules and exemptions.
Assumptions are labelled. Where a calculator assumes something, such as property price growth or a typical rate, the assumption is shown on the page and you can change it. These are long-run assumptions, not forecasts.
Limits are listed. Calculators do not include arrangement, valuation or legal fees unless they say so. They cannot judge your credit history, health or a particular lender's criteria. Each tool has a "where this calculator falls short" section explaining this.
Research and review
Who checks the calculators
How he researches a calculator. Tayyab starts from the rule or rate itself: the published loan-to-value table, the HMRC, state or provincial tax rate, or the central bank's rate. He builds the formula from that source, then tests it with worked examples. He also checks rate ranges and loan-to-value bands against published lender information, and writes the assumptions and limits on the page.
Who reviews the work. Every calculator is written and checked by Tayyab Yaqoob. The calculators are not reviewed or approved by a regulated adviser, which is one more reason their results are estimates and not advice.
Verification dates. Each calculator page names the editor and shows the date its figures were last checked. If you see a figure that looks out of date, tell us and it will be checked again.
Where the figures come from
Sources the site relies on
United Kingdom
- GOV.UK and HMRC for Stamp Duty, Capital Gains Tax, Inheritance Tax, pension allowances and Pension Credit thresholds
- Financial Conduct Authority guidance and register
- MoneyHelper
- Equity Release Council standards and market data
- Bank of England Bank Rate
United States
- Freddie Mac weekly mortgage survey
- State and county tax authorities for the state property tax calculators
- Published FHA and VA loan rules
Canada
- Bank of Canada overnight rate
- CMHC mortgage insurance premiums
- Provincial land transfer tax rules
- Published lender rate information
Where a figure is an assumption rather than a published number, such as a typical rate or a standard fee, the calculator labels it as an estimate.
Important
What Tayyab Yaqoob is not
Tayyab Yaqoob is not FCA authorised, and he is not a financial adviser, mortgage broker or tax adviser. MortgageToolsHub provides free educational calculators only, and nothing here is regulated financial advice. Before you make a decision about a mortgage, equity release or an annuity, speak to a qualified, regulated adviser. Read the full disclaimer.
Common questions
Questions about the site and its editor
QWho is Tayyab Yaqoob?
QIs Tayyab Yaqoob a financial adviser?
QHow are the calculator figures checked?
QDoes MortgageToolsHub earn commission from lenders?
QAre the calculator results a quote?
QHow do I report a mistake?
QWhere can I read the editor's guides?
Get in touch
Contact Tayyab Yaqoob
If a rate, formula or figure looks wrong, please say so. Include the name of the calculator and the numbers you entered if you can. Corrections are reviewed by the site editor personally, and the calculator is updated only once the figure has been checked again.
Elsewhere
Find his work online
You can also read about MortgageToolsHub, use the contact page, see how data is handled in the privacy policy and the terms and conditions, or head back to the free calculators.
