Terms of Use

Last updated: 24 February 2026

These Terms of Use ("Terms") govern your access to and use of the MortgageToolset website at www.mortgagetoolset.com (the "Website"), including all content, calculators, tools, and services offered through the Website. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the Website.

1. About MortgageToolset

MortgageToolset is a UK-based informational website that provides free mortgage calculators, educational guides, and tools related to UK property finance. The Website is intended for users in the United Kingdom and the content reflects UK mortgage products, tax rates, regulations, and practices.

2. Not Financial Advice

The information, calculators, guides, and tools provided on this Website are for general informational and educational purposes only. They do not constitute financial advice, mortgage advice, tax advice, or any other form of professional advice. MortgageToolset is not authorised or regulated by the Financial Conduct Authority (FCA) and does not provide regulated financial advice.

You should always seek independent advice from a qualified mortgage adviser, independent financial adviser, or other appropriate professional before making any financial decisions. The results produced by our calculators are estimates based on the information you provide and standard mathematical formulas. They may not reflect the exact terms, rates, or conditions offered by any particular lender.

3. Calculator Accuracy

While we make every effort to ensure the accuracy of our calculators and the information on our Website, we do not guarantee that calculator results are error-free or that they will match figures provided by mortgage lenders. Calculator results should be used as a guide only and should not be relied upon as the basis for financial decisions. Mortgage offers from lenders are subject to their own individual assessments, criteria, and prevailing market conditions. Tax rates, thresholds, and regulations referenced in our tools and content are subject to change and may not reflect the most current position at the time of your use.

4. Use of the Website

You agree to use the Website only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Website in any way that violates any applicable local, national, or international law or regulation.
  • Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Website or its content without our express written permission.
  • Use any automated means (including bots, scrapers, or spiders) to access the Website or collect content from it.
  • Attempt to gain unauthorised access to any part of the Website, its servers, or any systems connected to the Website.
  • Introduce any viruses, trojans, worms, or other malicious code to the Website.
  • Use the Website to transmit unsolicited advertising, promotional material, or spam.
  • Impersonate any person or entity or misrepresent your affiliation with any person or entity.

5. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of MortgageToolset or its content suppliers and is protected by United Kingdom and international copyright, trademark, and other intellectual property laws. The compilation of all content on the Website is the exclusive property of MortgageToolset.

You may view, download, and print pages from the Website for your own personal, non-commercial use, provided that you do not modify the content and that you retain all copyright and other proprietary notices. Any other use of the content without our prior written consent is strictly prohibited.

6. Third-Party Content and Links

The Website may contain links to third-party websites, services, or resources. These links are provided for your convenience and do not imply endorsement by MortgageToolset. We have no control over the content, privacy policies, or practices of third-party websites and accept no responsibility or liability for them. Your use of any third-party website is at your own risk and subject to the terms and conditions of that website.

7. Advertising

The Website displays advertisements provided by Google AdSense and potentially other advertising networks. These advertisements may be targeted based on your browsing behaviour and interests. The appearance of advertising on our Website does not constitute an endorsement of the advertised products or services. We are not responsible for the content of any advertisements or for any products or services offered by advertisers.

8. Limitation of Liability

To the fullest extent permitted by law, MortgageToolset, its owners, operators, employees, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of or inability to use the Website, including but not limited to:

  • Any errors or omissions in the content, calculators, or tools provided on the Website.
  • Any financial decisions made based on information or calculator results obtained from the Website.
  • Any loss of data or damage to your device resulting from your use of the Website.
  • Any interruption or cessation of the Website or any part of its services.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

9. Indemnification

You agree to indemnify, defend, and hold harmless MortgageToolset, its owners, operators, employees, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or related to your violation of these Terms, your use of the Website, or your violation of any rights of a third party.

10. Modifications

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Website after any changes constitutes acceptance of the revised Terms. We recommend reviewing these Terms periodically to stay informed of any updates.

11. Termination

We may suspend or terminate your access to the Website at any time, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Website will immediately cease.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and MortgageToolset regarding your use of the Website and supersede all prior agreements and understandings.

15. Contact

If you have any questions about these Terms of Use, please contact us via our contact page.