Plain English summary: Bricks & Calcs provides free property and mortgage calculators for information purposes only. Our tools give you useful estimates — they are not financial advice, and you should always check figures with official sources or a qualified professional before making any property or mortgage decision.
We are not authorised by the Financial Conduct Authority. No calculation produced by this site constitutes regulated financial, mortgage, or tax advice.
Bricks & Calcs (bricksandcalcs.co.uk) is a free online resource providing property and mortgage calculators for users in the United Kingdom. The site is operated by an individual based in England. You can contact us at hello@bricksandcalcs.co.uk.
By accessing or using this site, you confirm that you have read and understood these Terms & Disclaimer. If you do not agree, please do not use the site.
These terms should be read alongside our Privacy Policy and Cookie Policy.
All calculators, tools, and outputs on this site are provided for general information and illustrative purposes only. They are designed to help you understand approximate figures — not to produce a precise or legally binding result.
Stamp Duty (SDLT, LBTT, LTT): Calculations are based on rates and thresholds published by HMRC, Revenue Scotland, and the Welsh Revenue Authority as at the date shown on each calculator. Tax rules and thresholds change. We make every reasonable effort to keep calculators up to date, but we cannot guarantee that every figure is current or applicable to your specific transaction at the time you use it.
Mortgage calculators: Repayment, affordability, overpayment, and remortgage figures are based on the inputs you provide and standard assumptions (fixed rate, capital repayment, no product fees). They do not account for your personal credit profile, lender-specific criteria, arrangement fees, early repayment charges, or rate changes over the mortgage term.
Property calculators: Rental yield, Rent vs Buy, LTV, and similar tools are estimates based on general assumptions and your inputs. They do not constitute investment advice or a recommendation to buy, sell, rent, or hold any property.
No output from any calculator on this site should be relied upon as the sole basis for a financial, property, tax, or mortgage decision without independent professional verification.
FCA status: Bricks & Calcs is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide regulated financial advice, mortgage advice, investment advice, or tax advice of any kind.
Nothing on this site constitutes:
Before making any property, mortgage, or financial decision, you should consult a suitably qualified professional. For regulated mortgage advice, speak to an FCA-authorised mortgage broker. You can check any firm's authorisation at register.fca.org.uk.
Before completing any property purchase or mortgage transaction, verify all relevant figures directly with the appropriate official body:
| Tax / Rate | Official source |
|---|---|
| SDLT — England & Northern Ireland | HMRC |
| LBTT — Scotland | Revenue Scotland |
| LTT — Wales | Welsh Revenue Authority |
| Bank of England base rate | Bank of England |
⚠ Your home may be repossessed if you do not keep up repayments on your mortgage.
This warning applies to all mortgage-related tools on this site, including the Mortgage Repayment, Mortgage Affordability, Mortgage Overpayment, Remortgage Savings, and LTV calculators.
We take reasonable steps to keep our calculators accurate and current with published legislation and official rates. Each calculator displays the date it was last verified. However, we make no warranty — express or implied — that:
We reserve the right to update, correct, or remove any content at any time without notice. Tax rules, mortgage rates, and lender criteria change regularly — always verify before acting on any figure.
You may use this site for your own personal, non-commercial purposes. You agree not to:
We reserve the right to restrict or terminate your access to the site at any time if we reasonably believe you are in breach of these terms.
All content on this site — including text, calculator code, guides, graphics, the Bricks & Calcs name, and logo — is owned by or licensed to us and is protected by copyright and other intellectual property laws.
You may share links to pages on this site and quote short extracts from our guides for non-commercial purposes, provided you clearly attribute Bricks & Calcs and link to the original page. You may not reproduce, republish, or redistribute any substantial portion of our content, or embed our calculators on third-party websites, without our prior written permission.
This site contains links to third-party websites, including official government sources and mortgage broker partners. These links are provided for convenience only. We have no control over third-party sites and accept no responsibility for their content, availability, or practices.
Affiliate links: Some links on this site are affiliate links. If you click through and enquire with or use a partner service, we may receive a commission. This does not affect the rates available to you, the advice given, or the independence of our calculator outputs. Our affiliate disclosure is shown in the site footer and on any page containing affiliate links.
We only link to mortgage brokers who are registered with the FCA. Always verify a firm's status at register.fca.org.uk before proceeding.
To the fullest extent permitted by English law, Bricks & Calcs and its operator accept no liability for:
Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be lawfully excluded under English law.
We may update these terms at any time. The “Last updated” date at the top of this page reflects the most recent revision. Continued use of the site after any changes constitutes your acceptance of the updated terms.
We may also change, suspend, or discontinue any part of the site at any time without notice, including any calculator, guide, or feature.
These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or in connection with these terms or your use of this site shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If you access this site from Scotland, Wales, Northern Ireland, or outside the United Kingdom, local laws may also apply — but this does not affect the choice of law set out above.
Questions about these terms? Contact us at legal@bricksandcalcs.co.uk