Privacy Policy · Terms of Use · Disclaimer · Last updated: January 2026
Last updated: January 2026
Mortgage Decoded (mortgagedecoded.co.uk) is a financial education tool. All calculators, articles, commentary and content published on this website are intended solely to help users understand how mortgages work in general terms. They do not constitute:
All calculator outputs are based solely on the figures you enter and standard mathematical formulas. Results are approximate and illustrative. They do not account for:
Before making any mortgage, remortgage, investment or financial decision, you should always seek advice from a qualified, FCA-regulated mortgage adviser or financial adviser who can take your full personal circumstances into account.
You can find a regulated adviser through the Financial Conduct Authority (FCA) register at register.fca.org.uk or the Money and Pensions Service at moneyhelper.org.uk.
Mortgage Decoded accepts no liability for any financial loss, damage or decisions made in reliance on the information or calculators provided on this website. Use of this website is entirely at your own risk.
Last updated: January 2026
By accessing and using mortgagedecoded.co.uk, you accept and agree to be bound by these terms. If you do not agree, please do not use this website.
You may use this website for personal, non-commercial, educational purposes. You may share links to this website freely. You may not:
We make reasonable efforts to keep the content and calculators accurate and up to date. However, we make no warranty — express or implied — that the information on this website is complete, accurate, current or suitable for any particular purpose. Mortgage rates, tax thresholds (including Stamp Duty Land Tax bands), and regulations change frequently. Always verify figures with a qualified professional.
This website may contain links to third-party websites. We are not responsible for the content, accuracy or practices of any third-party website. Links are provided for convenience only and do not imply endorsement.
We reserve the right to update these terms at any time. Continued use of the website after changes are posted constitutes acceptance of the updated terms. The date at the top of this page will always show when these terms were last updated.
These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Last updated: January 2026
Mortgage Decoded does not require you to create an account, provide your name, email address or any personal information to use the calculator.
All calculations run locally in your browser using JavaScript. No data you enter into the calculator is transmitted to our servers, stored in a database, or shared with any third party.
This website does not currently use cookies for tracking or analytics purposes. If this changes, this policy will be updated and a cookie notice will be displayed.
This website is hosted on Cloudflare Pages. Cloudflare may collect standard server log data (such as IP addresses and page request times) as part of delivering the website and protecting against malicious traffic. This is governed by Cloudflare's own privacy policy, available at cloudflare.com/privacypolicy. We do not access or process this data.
We do not currently use Google Analytics or any third-party analytics service. If we introduce analytics in future, this policy will be updated to reflect what data is collected and how it is used.
Under the UK GDPR and Data Protection Act 2018, you have rights regarding your personal data. As we do not collect or store personal data, these rights have limited practical application in this context. If you have any questions about data and privacy, please contact us using the details below.
We may update this privacy policy from time to time. Any changes will be reflected on this page with an updated date.
Last updated: January 2026
© 2026 Mortgage Decoded. All rights reserved.
All content on this website — including but not limited to the calculator design, code, written content, educational commentary, insight text, visual design and branding — is the intellectual property of Mortgage Decoded and is protected by UK and international copyright law.
You are welcome and encouraged to:
The following require express written permission from Mortgage Decoded:
"Mortgage Decoded" is a trading name. Unauthorised use of this name or associated branding is prohibited.
If you are interested in licensing this calculator for professional or commercial use — for example, as a mortgage adviser or financial services firm — please get in touch using the contact details below.
For any questions about these terms, privacy, copyright, or licensing enquiries, please contact us via our social media channels:
We aim to respond to all enquiries within 2–3 business days.