Disclaimer

Last updated: 2026-07-26

Informational purpose

The content on this site is for information and educational purposes only. It does not constitute financial, investment, tax, or legal advice, and should not be treated as a basis for financial decisions without consulting an appropriate professional.

Mortgages and lending

Content about mortgages is written purely as general information under UK law (FSMA, the Regulated Activities Order), not as regulated advice requiring Financial Conduct Authority (FCA) authorisation. Only an FCA-authorised advisor can give you a specific recommendation for your individual situation — you can check them on the Financial Services Register.

Calculators

All calculators on this site produce indicative results based on simplified assumptions and rates current as of the date shown on each calculator. They are not binding offers or tax advice. The final amount is always confirmed by the relevant institution (your lender, HMRC, or a solicitor).

Geographic scope

This content covers England and Wales only. Scotland and Northern Ireland have separate legal systems (including separate property taxes) and are not covered by this site.

Currency of information

Law and tax rates change. Every page with rates or legal information shows a last-updated date — check it before making a decision, and verify against the original source (links are provided on each page).

Liability

The authors of this site take care to keep information accurate and current, but accept no liability for decisions made based on this site’s content. Links to external sites (gov.uk, HMRC, MoneyHelper, and others) lead to material this site is not responsible for.

Note: the text above is a general editorial summary, not legal advice. Before this site is published, legal review of this disclaimer is recommended, especially the mortgage section (see ADR-0007).