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Terms of Service

By using UKPropertyCalculator.co.uk you agree to be bound by the following terms. Please read them carefully.

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the website located at ukpropertycalculator.co.uk (the "Site"), including all calculators, blog articles, location guides, and other content. By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must stop using the Site immediately.

We may amend these Terms at any time by publishing the updated version on this page. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. We recommend checking this page periodically.

2. What the Site Provides

UKPropertyCalculator.co.uk offers free, browser-based calculators for UK property-related scenarios, including:

  • A Buy vs Rent comparison tool that models equity growth against investment returns over a chosen time horizon
  • A Stamp Duty Land Tax (SDLT) calculator based on current HMRC bands and first-time buyer relief thresholds
  • A mortgage repayment calculator supporting both repayment and interest-only modes
  • A rental yield calculator for buy-to-let investors

All calculations run entirely in your browser. We do not collect, transmit, or store the financial data you enter into our calculators.

3. No Financial Advice

Nothing on this Site constitutes financial advice, tax advice, legal advice, or a personal recommendation as defined by the Financial Conduct Authority (FCA). We are not authorised or regulated by the FCA and do not carry out any regulated activities under the Financial Services and Markets Act 2000.

Calculator outputs are estimates based on the values you input and simplified mathematical models. They are intended to help you explore scenarios—not to tell you what to do. Before making any financial decision, consult a qualified, FCA-regulated independent financial adviser (IFA), solicitor, or tax professional who can assess your personal circumstances.

Important: Property transactions involve substantial sums and legal obligations. Always seek professional advice before exchanging contracts, taking out a mortgage, or committing to a purchase.

4. Accuracy and No Warranty

We endeavour to keep our calculators and content accurate and up to date. However, we provide the Site and all its content on an "as is" basis without any warranty—express or implied—including warranties of accuracy, completeness, fitness for a particular purpose, or non-infringement.

Tax rules, interest rates, and property market conditions change frequently. We cannot guarantee that default values, tax bands, or editorial commentary reflect the law or market conditions at the exact moment you use the Site. Under the Consumer Rights Act 2015, nothing in these Terms affects your statutory rights as a consumer.

5. Your Responsibilities

When using the Site, you agree to:

  • Provide accurate inputs. Calculator results are only as reliable as the values you enter. Inaccurate inputs will produce inaccurate outputs.
  • Verify results independently. Before acting on any calculation, confirm the figures with a professional adviser, your mortgage lender, or your solicitor.
  • Use the Site lawfully. You must not use the Site for any unlawful purpose or in any way that could damage, disable, or impair its availability.
  • Not scrape or reproduce at scale. You must not use automated scripts, bots, or similar tools to extract content or data from the Site without our prior written consent.

6. Intellectual Property

All content on the Site—including text, graphics, logos, page designs, calculator logic, and the underlying HTML, CSS, and JavaScript code—is owned by UKPropertyCalculator.co.uk or its licensors and is protected by copyright, trademark, and other intellectual property laws of England and Wales.

You may view, download, and print pages from the Site for your own personal, non-commercial use. You may not republish, sell, license, or redistribute any content (including calculator screenshots or results tables) for commercial purposes without our express written permission.

7. Limitation of Liability

To the fullest extent permitted by English law, UKPropertyCalculator.co.uk and its operators shall not be liable for any loss or damage—whether direct, indirect, incidental, special, or consequential—arising from your use of (or inability to use) the Site, including any financial loss resulting from reliance on calculator outputs or editorial content.

This limitation applies whether the claim is based in contract, tort (including negligence), strict liability, or any other legal theory. Nothing in these Terms excludes liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; or (c) any matter for which it would be illegal to exclude or limit liability.

8. Third-Party Links and Services

The Site may contain links to external websites and services that we do not own or control, including mortgage comparison platforms, government resources, and news outlets. These links are provided for your convenience. We are not responsible for the content, privacy practices, or availability of any third-party website, and linking does not imply endorsement.

Where the Site includes affiliate links, we may earn a commission if you click through and complete a transaction. Affiliate relationships are disclosed in our Disclaimer and do not influence calculator outputs or editorial judgement.

9. Privacy and Data Protection

Your use of the Site is also governed by our Privacy Policy, which explains how we handle personal data in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Our Cookie Policy provides details on how we use cookies and similar technologies.

10. Termination

We reserve the right to suspend or restrict access to the Site at any time, for any reason, without prior notice. This includes situations where we reasonably believe you have breached these Terms. Provisions that by their nature should survive termination—including intellectual property, limitation of liability, and governing law—will continue to apply.

11. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of England and Wales. Any dispute arising from or in connection with these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

12. Contact

If you have questions about these Terms, please contact us. We aim to respond to all enquiries within five working days.

These Terms of Service were last updated on 8 March 2026. They are governed by the laws of England and Wales.

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