Terms of Use

By using mortgagecalcuk.com ("the site"), you agree to these terms. If you don't agree, please don't use the site.

These terms are written in plain English. They are not designed to trick you into giving up rights you have under UK law.

What this site is

Hall's Homes UK provides free UK mortgage calculators and educational content about UK mortgages, stamp duty, deposit savings, and related topics. The site is operated from the United Kingdom for a UK audience.

What this site is NOT

The site is not:

• A mortgage broker
• A financial adviser
• A legal adviser
• A tax adviser
• An authorised provider of regulated financial services

Nothing on the site constitutes financial, legal, or tax advice. The calculators are for general planning and educational purposes only. Before making any borrowing or buying decision, you should speak to a qualified, FCA-regulated mortgage broker or financial adviser.

Accuracy of information

We aim to keep the information on the site current and accurate. However:

• UK mortgage rates, lender rules, and tax thresholds change frequently and without notice
• The "Last reviewed" date on the guide indicates when content was last checked
• The figures returned by the calculators are estimates based on the inputs you provide and current standard assumptions; they are not quotes from any lender
• We cannot guarantee that information is up to date at the moment you read it

You are responsible for verifying any figures or rules with authoritative sources (your lender, your broker, HMRC, gov.uk) before making decisions.

No liability for decisions made

To the maximum extent permitted by UK law, Hall's Homes UK accepts no liability for any loss, damage, or consequence arising from:

• Decisions made based on calculator results or content on the site
• Inaccuracies, omissions, or out-of-date information on the site
• The performance or availability of the site (we don't guarantee uptime)
• The content or practices of any external site we link to

This does not limit liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded under UK law.

Your home and your mortgage

Your home may be repossessed if you do not keep up repayments on your mortgage. This is the standard FCA-mandated warning. Take it seriously. A mortgage is the biggest financial commitment most people make, and the consequences of getting it wrong are real.

Intellectual property

The content on the site (text, calculator logic, design, images) is the property of Hall's Homes UK unless otherwise stated. You may:

• Use the calculators and read the content for personal, non-commercial use
• Share links to the site freely
• Quote short excerpts with attribution

You may not:

• Copy, scrape, or reproduce the content commercially without permission
• Pass off the content as your own
• Use the site or its content in any way that breaks UK law

Third-party links and advertisements

The site links to external resources (gov.uk, the FCA register, other sources) for your convenience. We don't control these sites and aren't responsible for their content or practices.

The site displays advertisements via Google AdSense. We don't control which ads appear; they are served by Google based on its own algorithms. The presence of an advertisement on the site does not constitute endorsement of the advertiser.

Changes to the site

We may change, update, or remove parts of the site at any time. We may also update these terms. Significant changes will be reflected in the "Last updated" date.

Governing law

These terms are governed by the laws of England and Wales. Any disputes arising from your use of the site fall under the jurisdiction of the courts of England and Wales.

Contact

For questions about these terms, contact us at hallshomesuk@outlook.com.