About MortgageToolsHub
Free tools, honest numbers
We build free, private mortgage and equity release calculators so UK and Canada homeowners can understand their options before speaking to an adviser — not instead of it.
Why we built this
About MortgageToolsHub: why we built this
Buying a home, releasing equity, or planning for retirement involves some of the biggest financial decisions people ever make — yet the tools to understand these numbers are often locked behind sign-up forms, sales calls, or confusing jargon.
MortgageToolsHub was created in 2026 to change that. We built 25+ free calculators covering equity release, remortgaging, lifetime mortgages, annuities, buy-to-let, self-employed affordability and more — all designed to give UK and Canada homeowners instant, accurate answers without giving up their personal information.
Every calculator on this site uses current 2026 UK and Canada lender loan-to-value tables, interest rate ranges and regulatory figures, reviewed and updated monthly so the numbers you see reflect today's market, not last year's.
Our approach
What makes us different
100% private
All calculations run in your browser. We never store, collect or sell your numbers.
Instant results
No sign-up, no waiting, no sales calls. Get your numbers in seconds.
2026 rates
Reflects current UK and Canada mortgage and LTV data, updated monthly.
FCA-informed
Our guides reflect FCA-regulated product information and current rules.
The process
How MortgageToolsHub works
Choose a calculator
Pick from equity release, remortgage, affordability, annuity and 20+ other free tools.
Enter your numbers
Property value, age, income or savings — whatever the tool needs. Nothing is saved or transmitted.
Get an instant estimate
See your results immediately, with year-by-year projections where relevant.
Talk to a professional
Use your results as a starting point for a conversation with an FCA-authorised adviser.
Who checks the numbers
Who is behind MortgageToolsHub
MortgageToolsHub is an independent, UK-based publisher of free financial calculators and guides. We are not a mortgage lender, broker, or financial advisory firm, and we do not sell leads or personal data to third parties.
Tayyab Yaqoob
Site Editor, MortgageToolsHub
Tayyab is responsible for the accuracy of every calculator on this site. That means cross-checking each tool's interest rates, loan-to-value tables, and regulatory figures against current UK and Canada lender criteria, FCA guidance and MoneyHelper resources — then rechecking them monthly as rates and rules move.
Where a calculator makes an assumption (a typical rate, a standard LTV band, a common fee), Tayyab's job is to make sure that assumption is clearly labelled as an estimate and sourced from a real, current market figure — not an invented one. Every calculator page also carries a "where this calculator falls short" section, written for the same reason: honest tools tell you what they can't see, not just what they can.
Read more on the author page, or see the sourcing notes at the bottom of any individual calculator.
Our content is researched and updated using publicly available guidance from the Financial Conduct Authority and the MoneyHelper service, alongside current UK and Canada lender rate tables. We are not FCA authorised, and nothing on this site should be treated as personalised financial advice. That is why every page of MortgageToolsHub, from our calculators to this About page, points you toward professional advice for your own circumstances.
What we're trying to do
Our mission
We believe everyone deserves clear, honest information before making a financial decision — not just those who can afford a financial adviser's first consultation. Our calculators do not replace professional advice; they help you walk into that conversation informed, with real numbers based on your own situation.
MortgageToolsHub provides free educational calculators and guides only. We are not FCA authorised and do not provide regulated financial advice. Always consult an FCA-authorised independent adviser before making decisions about equity release, mortgages, or annuities. Read our full disclaimer.
Common questions