How we make money

UK Mortgage Calculators is free for users to access. We do not charge you for using the mortgage calculators, information pages, guides, comparison content, or callback form.

Our affiliate and referral model

We operate as an information and introduction service. If you ask to be contacted, click certain links, or use a call to action that connects you with a mortgage adviser or broker partner, that partner may pay us a referral fee, commission, fixed lead fee, or other commercial payment.

The payment may be based on an enquiry being passed to a partner, a callback being arranged, a mortgage application being submitted, or another agreed commercial event. The exact arrangement can vary by partner and may change over time.

You do not pay this fee to UK Mortgage Calculators. It is paid to us by the adviser, broker, network, or firm we have a commercial arrangement with. A partner may still charge you its own advice or broker fee, and it should explain any fee, commission, or other charge before you decide whether to proceed.

Where revenue comes from

Our revenue can come from affiliate links, referral arrangements, enquiry introductions, and commercial relationships with mortgage adviser or broker partners. We may also receive payment where a partner accepts an enquiry that matches the areas they cover or the types of mortgage cases they handle.

Some links, forms, buttons, or calls to action on this website may connect you with a partner that can pay us. We aim to make those introductions clear where they appear, including through links to this page and disclosure text near forms or calls to action.

Commercial arrangements do not affect the calculator results, the general information shown on this website, or your ability to use the site. They also do not mean a mortgage will be available, suitable, cheaper, or approved for you.

What this means for you

• You never pay UK Mortgage Calculators a fee for using the site, reading our content, using calculators, or requesting a callback.
• The mortgage adviser or broker partner may charge their own fee. They should explain any adviser fee, broker fee, lender fee, commission, or other charge before you decide whether to proceed.
• You are under no obligation to use an adviser or broker we introduce.
• Any mortgage product, rate, or fee discussed with an adviser will depend on your circumstances and lender criteria.
• An introduction from us is not an endorsement of a specific mortgage product and is not confirmation that a partner can arrange a mortgage for you.

What payments do not change

• Payments from partners do not change the figures produced by our calculators.
• Payments from partners do not allow a partner to guarantee acceptance, a particular rate, or a saving.
• Payments from partners do not replace the need for a regulated adviser to assess your circumstances before making any personalised recommendation.
• Payments from partners do not remove your choice to speak with other advisers, brokers, lenders, or comparison services.

How we keep information independent

• Calculator outputs are based on the figures you enter and the assumptions shown with each tool, not on which partner may pay us.
• General guides are written to explain mortgage topics and common considerations. They are not personalised advice.
• We do not present an introduction as an approval, mortgage offer, or recommendation to choose a specific product.
• We avoid claims about guaranteed savings, guaranteed approval, or specific available rates unless they can be verified and shown with appropriate context.

How partners are selected

We may work with a limited number of adviser, broker, network, or lead-handling partners. We do not claim to compare every mortgage adviser, every lender, or the whole market on this website.

When regulated mortgage advice is provided, it should come from an appropriately authorised adviser or broker partner. Before proceeding, you should check the partner's regulatory status, understand the scope of their service, and ask how they are paid.

Important disclaimers

• UK Mortgage Calculators is an information and introduction service. We are not a lender and we provide general information only and do not make regulated mortgage recommendations on this website.
• Calculator results are estimates only and are not mortgage offers or decisions in principle.
• We do not guarantee mortgage approval, specific rates, savings, or that a broker or adviser will be able to help.
• A broker or adviser partner is responsible for explaining their service, regulatory status, fees, and any recommendation they make before you proceed.
• You should consider whether a mortgage is suitable for your circumstances and seek regulated advice where needed.

How we handle enquiries

• We use the details you submit to handle your enquiry and, where appropriate, introduce you to a mortgage adviser or broker partner.
• We do not sell your contact details to multiple lead buyers as an auction.
• We do not pass your data to other industries such as insurance, conveyancing, or will-writing unless you have separately agreed to it.
• We do not advertise on the site to third parties using your enquiry data.
• You can read more about how personal information is handled in our Privacy Policy.

Your home may be repossessed if you do not keep up repayments on your mortgage.