Terms of use
Last updated 13 August 2026
These are the terms you accept by using this site. There is nothing buried in them, and the one that matters most is the first: this tool works out what follows from figures you type in. It does not tell you what to do about them.
What this is
After the deposit is a calculator. You enter your income, your outgoings, your deposit and the terms of a mortgage, and it works out what a house at various prices would leave you with each month, which of three limits runs out first, and what the same loan costs when your fixed rate ends. The whole method is set out on how it works, including every rate and threshold it uses and the date each one was last checked.
It is free, it needs no account, and the arithmetic runs in your browser. What that means for your figures is set out in the privacy notice.
What it is not
It is not advice and it is not a personal recommendation. Nothing here tells you what you can afford, what you should borrow, or whether a particular house is a good idea. It describes consequences; the decision and its consequences are yours.
It is not a mortgage illustration and not a quotation. It names no lender and no product, takes no commission and no referral fee, and has no interest in your number being larger than it is.
It is not a valuation, a survey, a tax computation or a legal opinion. Lenders run their own affordability assessment and may lend more or less than the figure shown here. Your home may be repossessed if you do not keep up repayments on a mortgage secured against it.
Before you act on anything worked out here, speak to a qualified mortgage broker or adviser, and check any tax figure against the relevant authority — gov.uk, gov.scot or gov.wales, whichever applies to where you are buying.
The figures come with no guarantee
Rates and tax thresholds move. Every table this site uses carries the date it was last checked, shown next to the figures it produces and in full on how it works, so you can see how current the answer you are looking at actually is. Reasonable care goes into keeping them right, and there is a form on that page for telling us when one is wrong — but a figure here is not warranted to be accurate, complete or up to date, and it is not a substitute for checking the source.
The model also makes simplifications, and they are written down rather than hidden. Take-home pay is scaled from a single ratio you calibrate, which is accurate near where you set it and less so far from it. The lender limit is a simple multiple of income; a real assessment looks at credit commitments, childcare and pension contributions too. Results are estimates, and they are rounded.
What you may do with it
Use it as much as you like, for yourself, for your household, or alongside a professional you are working with. Share a result link with whoever you want — though read the note about what a result link contains in the privacy notice first.
Please do not:
- present its output as a lender's illustration, a quotation, or advice from anyone, including us;
- republish its figures as though they were checked or endorsed for someone else's situation;
- attempt to interfere with the site or with anyone else's use of it.
The text, design and code of the site are ours. The arithmetic is not a secret — it is documented in full on purpose — but copying the site wholesale and passing it off as your own is not on.
If something goes wrong
Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited. Your statutory rights as a consumer are unaffected.
Beyond that, the position is this. The site is free and is provided as it is. We are not liable for loss that follows from a decision you take on the strength of a figure produced here — buying, not buying, borrowing more, borrowing less, or the timing of any of them — nor for loss caused by a figure being out of date, by the site being unavailable, or by a rate or threshold changing after you looked.
That is not a way of disowning the arithmetic. It is why the method is published, the tables are dated, the working is shown, and the tool is deliberately built to be checked rather than trusted.
The site may change
Pages, figures and features can change or be withdrawn without notice, and there is no promise the site will be available at any particular moment. If a paid version arrives later it will have its own terms, set out before anyone is asked to pay for anything.
Links to other sites
Where a page links out — to gov.uk, to the Bank of England, to a source for a figure — that site is not ours and is not covered by these terms. The link is there so you can check something, which is the point of publishing sources at all.
Changes to these terms
These terms can change. The version on this page is the one that applies, and the date at the top says when it last changed in substance.
Law
These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction. If you are a consumer resident elsewhere in the UK, you keep the benefit of any mandatory protections of the law where you live.
Contact
After the deposit is run from the United Kingdom. Write to [email protected] — it is the only address the site publishes, and it reaches a person.