This mortgage and home loan calculator (the “Calculator”) is provided free of charge for general information, education, and illustration purposes only. By accessing or using this Calculator, you acknowledge and agree to the terms set out in this disclaimer.
No Financial, Legal, Tax, or Professional Advice
The Calculator does not provide financial, investment, mortgage, legal, accounting, or tax advice. All outputs are indicative estimates based on the inputs you provide and commonly used formulas. They do not take into account your personal financial situation, objectives, risk tolerance, eligibility criteria, lender-specific terms, fees, or regulatory requirements.
You should always consult qualified professionals such as a financial adviser, mortgage consultant, banker, accountant, or legal adviser before making any borrowing, investment, or financial decision.
Indicative Results Only
The results generated by the Calculator are estimates and illustrations only. Actual loan terms, EMIs, interest costs, amortization schedules, and affordability outcomes may differ materially due to factors including (but not limited to):
- Lender-specific interest calculation methods, reset rules, or compounding conventions
- Fees, charges, taxes, insurance, and other costs not captured in the Calculator
- Changes in interest rates, regulations, or personal financial circumstances
- Rounding differences and data input assumptions
No Offer, Recommendation, or Endorsement
Nothing on this website or within the Calculator constitutes an offer, solicitation, recommendation, or endorsement to buy, sell, borrow, refinance, invest, or enter into any financial product or transaction.
The Calculator does not compare or rank lenders and does not promote any specific loan, bank, financial institution, or financial product.
Use at Your Own Risk
Your use of the Calculator and reliance on any outputs is entirely at your own risk. You are solely responsible for verifying the accuracy, relevance, and suitability of the results for your specific situation.
To the maximum extent permitted by law, the creator, owner, and publisher of this Calculator disclaim all liability for any loss or damage (direct, indirect, incidental, consequential, or otherwise) arising out of or in connection with:
- Your use of or inability to use the Calculator
- Any decisions made or actions taken based on the Calculator’s outputs
- Errors, omissions, assumptions, or inaccuracies in the Calculator
No Warranties
The Calculator is provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including but not limited to accuracy, completeness, reliability, suitability, or fitness for a particular purpose.
Third‑Party Information & Assumptions
Certain assumptions, benchmarks, or rules of thumb (such as affordability ratios or stress tests) are based on commonly referenced industry practices or publicly discussed guidelines. These are not guarantees and may not be appropriate for every borrower or jurisdiction.
Jurisdiction & Regulatory Notice
This Calculator is intended for general informational use only and is not tailored to any specific jurisdiction’s regulatory or compliance requirements. Laws, regulations, and lending practices vary by country and may change over time.