Financial Disclaimer

Last updated: 4 August 2026

Educational Purpose Only

Every figure produced by the calculators on this Site — including monthly payments, amortisation schedules, interest totals, Loan-to-Value tier classifications and Stamp Duty Land Tax estimates — is generated by a simplified mathematical model for educational and illustrative purposes only. These outputs are not a mortgage offer, a lending decision, a tax assessment, or a substitute for a personal recommendation from a qualified adviser.

Not a Lender or Broker

AI Mortgage Forecast does not lend money, does not arrange mortgage finance, and does not act as an intermediary between you and any lender. We do not assess your personal affordability, credit history, or eligibility for any specific mortgage product.

Not Authorized by the FCA

AI Mortgage Forecast is not authorized or regulated by the Financial Conduct Authority. Regulated mortgage advice in the United Kingdom must be provided by an FCA-authorised firm or individual. Nothing on this Site should be treated as a personal recommendation within the meaning of FCA regulation.

Tax and Regulatory Figures Change

Stamp Duty Land Tax bands, Loan-to-Value risk classifications, and other figures referenced across this Site are based on general, publicly available rules at the time of writing and are simplified for illustrative purposes. Tax thresholds and lending criteria are set and revised by HM Treasury, HM Revenue & Customs, and individual lenders, and may change without notice. Always verify current figures directly at gov.uk or with a qualified professional before making a financial decision.

Your Responsibility

Any decision to enter into a mortgage, remortgage, overpay a loan, or make a property purchase remains solely your responsibility. We strongly recommend consulting an independent, FCA-regulated mortgage adviser, solicitor, and/or tax professional before acting on any information found on this Site.

No Liability

AI Mortgage Forecast accepts no liability for any financial loss or damage arising from reliance on any calculation, article, or estimate published on this Site.