Disclaimer

The information and calculations on this site are provided for general informational and educational purposes only. They do not constitute financial, investment, legal, tax or credit advice, and they are not a recommendation, solicitation or offer to lend, borrow, or enter into any financial product.

LoanCalcly is not a lender, mortgage broker, loan originator, credit repair organisation or licensed financial adviser, and we have no relationship with your lender. Before making any borrowing decision — especially a mortgage, a refinance, or a debt-consolidation loan — you should speak with a qualified professional who can review your full financial situation.

Every figure produced by our calculator is an estimate. Real loan payments differ from a simple amortization calculation for many reasons, including:

• Fees rolled in or paid up front — origination fees, discount points, closing costs and processing charges.
• Escrow items — property taxes, homeowners insurance and, for many mortgages, mortgage insurance (PMI/MIP).
• Rate type — adjustable-rate and variable-rate loans change over time, so a single fixed rate cannot describe them.
• Day-count and rounding conventions — lenders may accrue interest daily, apply different rounding, or set the first payment date differently.
• Payment frequency — biweekly or accelerated schedules produce different totals.
• Your credit profile — the rate you are actually offered depends on your creditworthiness, down payment and the lender's own criteria.

The rate shown in our calculator is whatever you type in. It is not a quote from any lender, and it is not an offer of credit.

We take accuracy seriously and review our calculators and content periodically, but we make no warranty — express or implied — that the site is error-free, that calculations are correct for every loan structure, or that the site will always be available. Financial products and regulations also change; content that was correct when written may become outdated.

To the fullest extent permitted by law, we disclaim liability for any loss or damage arising from reliance on the site's content or output. See the Terms of service for the full limitation of liability.

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Advertisers do not see your calculator inputs, they do not influence the calculator's output, and they have no say in our editorial content.

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We do not accept payment in exchange for a favourable review, and we do not publish content we believe to be misleading in order to earn commission.

Links to third-party sites are provided for convenience and reference. We do not control those sites and are not responsible for their content, accuracy, products or privacy practices. Following an external link means you leave LoanCalcly and become subject to that site's terms.

You are responsible for your own financial decisions. LoanCalcly provides a tool; it does not know your income, debts, credit score, tax position or goals, and it cannot tell you whether a particular loan is affordable or suitable for you. If you are unsure, seek independent advice from a qualified professional before signing anything.

We may update this disclaimer as the site or applicable rules change. The “last updated” date at the top of this page reflects the most recent revision.

Questions about this disclaimer: hello@loancalcly.com.