Disclaimer

Last updated: August 2026

Please read this Disclaimer carefully before using any calculator or relying on any content on Kleinfeld Mortgage Calculators (the “Site”).

1. General Information Only

The calculators, articles and other content on this Site are provided for general information and illustrative planning purposes only. They are designed to help you get a rough, indicative sense of figures such as monthly repayments, affordability, tax, Stamp Duty, or insurance costs — not to provide a definitive, individually assessed result.

2. Not Financial, Mortgage, Tax or Legal Advice

Nothing on this Site constitutes financial advice, mortgage advice, tax advice, legal advice, or a personal recommendation of any kind, and should not be relied upon as such or as a substitute for advice from a suitably qualified, regulated professional who is familiar with your individual circumstances. We are not authorised or regulated by the Financial Conduct Authority (FCA).

3. Estimates Based on Simplified Assumptions

Every calculator on this Site produces an estimate based on: (a) the figures you choose to enter; and (b) simplified assumptions about current UK rates, tax bands, lending criteria and market conventions, which we aim to keep aligned with published rules for the current tax year. Real-world outcomes will vary because:

Actual lender criteria, interest rates and product availability change frequently and vary between lenders;
Tax rules, thresholds and allowances (including Income Tax, National Insurance, Stamp Duty Land Tax and Capital Gains Tax) can change with little notice, including at Budget events;
Individual circumstances — such as credit history, employment type, existing debts, and property type — materially affect what any lender, insurer or HMRC would actually offer or charge;
Some calculators (for example, property value or house price growth tools) use historical or regional average data as a proxy for future performance, which is inherently uncertain and not a guarantee of future results.

4. Not a Mortgage Offer or Quotation

No figure produced by any calculator on this Site constitutes a mortgage offer, insurance quotation, loan approval, or any other binding financial commitment from us or from any third party. Only a regulated lender or insurer, following a full application and assessment, can confirm what you would actually be offered.

5. Third-Party Data

Where a calculator relies on third-party or live data (for example, our Currency Converter, which uses an external exchange-rate API), we are not responsible for the accuracy, availability, or timeliness of that third-party data, and rates shown may differ from those offered by banks or currency providers, who typically apply their own margin.

6. No Liability

To the fullest extent permitted by law, we accept no liability for any loss, damage, or adverse outcome — financial or otherwise — arising directly or indirectly from your use of, or reliance on, any calculator result or content on this Site, including any decision to apply for, proceed with, or decline any mortgage, loan, insurance product, property purchase, or other financial transaction. This does not affect any liability that cannot be excluded or limited under applicable law.

7. Always Seek Professional Advice

Before making any financial decision, we strongly recommend you obtain advice from a suitably qualified, FCA-regulated mortgage adviser or financial adviser, and, where relevant, a solicitor, conveyancer or accountant, who can assess your full individual circumstances.

8. Related Policies

This Disclaimer should be read alongside our Terms of Use and Privacy Policy.