About

About GetMortgageCalc

GetMortgageCalc is an editorially maintained, browser-first mortgage planning tool. We help households model affordability, repayments, and tax-line estimates for the United Kingdom, United States, Canada, and Australia before they speak with a regulated lender or broker.

Who we are

Tech Seekers is an independent software studio. GetMortgageCalc is our free public tool for mortgage planning.

We cite regulators and official guidance (FCA, CFPB, OSFI/B-20, APRA/ASIC materials) so you can verify claims independently. When rules change, we update the methodology notes below and bump “last reviewed” dates.

Author

GetMortgageCalc was built by Muhammad Adeel, an independent developer and software engineer at Tech Seekers. Frustrated by mortgage calculators that only worked for one country, he built a single free tool that covers the UK, US, Canada, and Australia with each country's real 2026 rules built in.

The rate assumptions and country-specific rules are reviewed quarterly against official sources — Bank of England, OSFI, HMRC, and the RBA.

LinkedIn: Muhammad Adeel.

Methodology and data sources

  • United Kingdom: SDLT-style bands and first-time buyer relief thresholds are checked against HMRC technical guidance; affordability ratios mirror common lender guardrails (not a specific lender scorecard). Bank of England base rate is referenced for context — you always enter the contract rate you want to stress-test.
  • United States: DTI presentation follows widely published 28/36 conventions and CFPB-style budgeting concepts for consumers. FHA/Conventional toggles summarise public programme features; always read your Loan Estimate.
  • Canada: Stress-test qualifying rates follow the public OSFI B-20 pattern (greater of contract +2% or benchmark floor). Provincial transfer taxes are out of scope for v1 — budget them separately with your lawyer.
  • Australia: Repayment maths uses standard amortisation; borrowing power applies typical DTI-style caps for orientation. Lenders apply HEM living expenses and serviceability buffers we cannot see — treat outputs as non-binding.

Last methodology review: April 2026 (quarterly cadence targeted).

Regulatory context (informational)

Mortgage activity is heavily regulated. Depending on your country, oversight may include the UK Financial Conduct Authority (FCA), the US Consumer Financial Protection Bureau (CFPB) and state licensing bodies, OSFI guidelines for federally regulated Canadian lenders, and ASIC / APRA expectations in Australia. Mentioning these bodies does not imply endorsement; it explains where to seek authoritative rules.

What we do — and do not — promise

We provide estimation tools for UK, US, Canada, and Australia scenarios, including affordability views, repayment views, stamp duty estimates (UK), stress-test views (Canada), and amortisation charts with PDF export.

We do not guarantee approval, pricing, or tax outcomes. Always confirm with an FCA-authorised adviser (UK), a state-licensed MLO (US), an FSRA/REC-licensed broker (CA), or an Australian Credit Licence holder (AU) before you commit to a loan.

Privacy-first by design

We do not operate a mortgage application database for your inputs in this web app; calculations execute in your browser. Analytics may collect anonymous usage metrics—see the privacy policy.

Partner and ad disclosure

Clearly labelled sponsored placements may appear. We only link to third parties when a real destination URL is configured — placeholder domains are never shipped. We may earn a commission when you choose a partner offer; calculator maths is independent of sponsorship.

Contact

For questions or partnerships: hello@getmortgagecalc.com.

Location: Based in the UK.

Registered postal contact: 228 Admiralty Road, Rosyth, Dunfermline, Scotland, KY112BN.