Terms and Conditions

By accessing or using MortgageToolsHub.com ("the Site"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use the Site.

MortgageToolsHub provides free, educational mortgage, equity release and annuity calculators, together with content explaining related UK and Canada financial products. Our aim is to make complex financial concepts easier to understand, not to replace the judgement of a qualified professional.

We are not a mortgage lender, broker, or financial adviser. We do not arrange mortgages, provide quotes, or facilitate financial transactions. All calculators produce illustrative estimates only, based on the figures you enter and current market assumptions, and are intended purely as a starting point for further research or professional advice.

Nothing on this Site constitutes regulated financial advice under the Financial Services and Markets Act 2000 or any equivalent legislation. Calculator results are illustrative estimates only and should not be relied upon as the sole basis for any financial decision. We built these tools to help you understand the shape of your numbers, not to replace a proper advice conversation.

You should always seek advice from an FCA-authorised independent financial adviser before making decisions about mortgages, equity release, remortgaging, or annuities. An adviser can factor in details our calculators cannot see, such as your full income, existing debts, and long-term goals.

We make reasonable efforts to keep calculator assumptions, interest rates, and loan-to-value tables up to date, and we review this information monthly. However, we do not guarantee that all figures are current, complete, or error-free, and actual lender offers may vary based on individual circumstances, credit history, and property valuation. If you notice a figure that looks outdated, please let us know so we can review it.

You agree to use the Site only for lawful purposes and in a way that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Site by, any third party. You must not:

• Attempt to gain unauthorised access to any part of the Site or its infrastructure
• Use automated systems (bots, scrapers) to extract content without permission
• Reproduce, copy, or resell any part of the Site's content without prior written consent
• Use the Site in any way that could damage, disable, or impair its functioning

All content on this Site, including text, calculators, graphics, logos, and design, is owned by or licensed to MortgageToolsHub and is protected by UK and international copyright law. You may view and use the Site for personal, non-commercial purposes only, subject to these terms.

The Site displays advertisements served by Google AdSense and may contain links to third-party websites, including lenders and financial institutions. We do not control and are not responsible for the content, accuracy, or practices of any third-party site or advertiser.

To the fullest extent permitted by law, MortgageToolsHub accepts no liability for any loss or damage arising from your use of the Site, reliance on calculator results, or any decision made based on information published here. The Site and its calculators are provided "as is" without warranties of any kind.

We may update these terms at any time — for example when we add new calculators, change our advertising partners, or when UK or Canadian regulations are updated. Continued use of the Site after changes are posted constitutes acceptance of the updated terms. We recommend checking this page periodically, particularly before relying heavily on any calculator for a major financial decision.

These Terms & Conditions are governed by the laws of England and Wales, in line with guidance published on GOV.UK consumer protection rights. Any disputes arising from use of the Site will be subject to the exclusive jurisdiction of the courts of England and Wales.

These terms work alongside our other policies. Visit our About Us page to learn more about who runs MortgageToolsHub, read our Privacy Policy to see how your data is handled, or check our Disclaimer for a fuller explanation of the limits of our free calculators. You can also return to our homepage to browse all 25+ free tools.

If you have questions about these terms, or about how any specific calculator works, contact us using the details below.