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.

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.

The 110+ calculators fall into a handful of groups. Here are some of the most used tools in each.

"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.

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.

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 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.

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.

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.