Mortgage Overpayment Calculator

Terms and Conditions

Last Updated: 20 January 2026

1. Agreement to Terms

By accessing and using the Mortgage Overpayment Calculator website (the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the Service.

These Terms constitute a legally binding agreement between you (the "User") and Mortgage Overpayment Calculator (the "Provider", "we", "us", "our").

2. Description of Service

The Service provides:

  • A free online mortgage overpayment calculator
  • Illustrative calculations of potential interest savings and term reductions
  • Educational content about mortgage overpayments
  • Graphical representations of mortgage repayment scenarios

The Service is designed for informational and educational purposes only. It does not constitute financial advice.

3. User Obligations

By using the Service, you agree to:

  • Provide accurate information when using the calculator
  • Use the Service only for lawful purposes
  • Not attempt to interfere with, damage, or disable the Service
  • Not use the Service to transmit harmful code, viruses, or malware
  • Not scrape, copy, or reproduce content without permission
  • Not misrepresent your affiliation with any person or entity when using the Service
  • Not use automated systems or software to extract data from the Service

4. Intellectual Property Rights

All content, design, graphics, code, and functionality of the Service are owned by the Provider or licensed to us. This includes but is not limited to:

  • Text, images, logos, and branding
  • Calculator algorithms and code
  • Website design and layout
  • Educational content and guides

You may not copy, reproduce, distribute, modify, or create derivative works without our express written permission.

4.1 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes. This license does not include the right to:

  • Resell or commercially exploit the Service
  • Modify or make derivative works
  • Download or copy content (except results from your own calculations)
  • Remove copyright or proprietary notices

5. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND.

We disclaim all warranties, express or implied, including but not limited to:

  • Accuracy: We do not guarantee that calculations are error-free or completely accurate
  • Availability: We do not guarantee uninterrupted or error-free access
  • Fitness for purpose: We do not guarantee suitability for your specific needs
  • Security: We do not guarantee complete security of data transmission

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

This includes but is not limited to:

  • Financial losses resulting from reliance on calculator results
  • Errors or inaccuracies in calculations
  • Loss of data or information
  • Service interruptions or downtime
  • Unauthorised access to your device or data
  • Decisions made based on information from the Service

You acknowledge that you use the Service at your own risk and are solely responsible for any decisions made based on the information provided.

7. No Financial Advice

The Service provides illustrative calculations and educational information only. It does not constitute:

  • Financial advice or recommendations
  • Mortgage advice or guidance
  • Investment advice
  • Legal or tax advice
  • Professional consultation of any kind

You should always consult a qualified financial advisor, mortgage broker, or lender before making decisions about your mortgage.

8. Third-Party Services

The Service may contain links to third-party websites or display third-party advertisements. We do not control or endorse these third parties and are not responsible for:

  • The content or accuracy of third-party websites
  • Third-party privacy practices or data handling
  • Products or services offered by third parties
  • Advertising content or relevance

Your use of third-party services is governed by their own terms and conditions.

9. Advertising

The Service is supported by advertising. By using the Service, you acknowledge and agree that:

  • Advertisements may appear throughout the Service
  • We use Google AdSense and similar services to display ads
  • Ads may be based on your browsing behaviour (with your consent)
  • We are not responsible for the content of advertisements

See our Cookie Policy for information about advertising cookies.

10. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Indemnification

You agree to indemnify, defend, and hold harmless the Provider, its officers, employees, and agents from any claims, liabilities, damages, or expenses (including legal fees) arising from:

  • Your use or misuse of the Service
  • Your violation of these Terms
  • Your violation of any rights of another person or entity
  • Any content you submit or transmit through the Service

12. Service Availability

We reserve the right to:

  • Modify, suspend, or discontinue the Service at any time without notice
  • Perform maintenance or updates that may temporarily affect availability
  • Limit access to certain features or users
  • Change pricing or introduce fees (with notice)

We are not liable for any loss or damage caused by service interruptions.

13. Privacy

Your use of the Service is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information.

14. Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice. The "Last Updated" date at the top of this page indicates when the Terms were last revised.

Continued use of the Service after changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced with a valid provision that most closely matches the intent of the original.

16. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and the Provider regarding the use of the Service.

17. Contact Information

If you have any questions about these Terms and Conditions, please contact us using the details provided in the footer of this website.

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