Terms of Use & Disclaimer

1. Acceptance of Terms

By accessing and using www.mortgagerepayments.com.au (“the Website”), you agree to be bound by these Terms of Use.

If you do not agree, you should not use this Website.

2. Informational Purpose Only

The Mortgage Repayment Calculator and all associated tools are provided for general informational and educational purposes only.

The calculators provide estimated mortgage repayment calculations based on publicly available interest rates and lending assumptions. Results are approximations only and may not reflect your individual circumstances or any specific lender's product.

This Website does not provide financial, tax, or legal advice.

3. No Affiliation with Government Bodies

This Website is not affiliated with, endorsed by, or associated with the Australian Prudential Regulation Authority (APRA), the Reserve Bank of Australia (RBA), ASIC, or any government body.

References to interest rates, RBA cash rate decisions, lending thresholds, and LMI requirements are based on publicly available information from official sources.

For official guidance, users should consult:

• ASIC MoneySmart (moneysmart.gov.au)
• A licensed mortgage broker
• A qualified financial adviser with an Australian Financial Services Licence

4. No Professional Advice

The information provided on this Website does not constitute:

• Financial advice
• Credit advice
• Legal advice

You should seek independent professional advice tailored to your personal circumstances before making decisions about your home loan.

5. Accuracy of Information

While reasonable efforts are made to ensure the calculators reflect current RBA rates and lending assumptions for the 2025-26 financial year, we do not guarantee that:

• All information is current
• Calculations are error-free
• Results are suitable for your circumstances

Interest rates, lending criteria, LMI thresholds, and government concessions may change at any time.

6. Limitation of Liability

To the maximum extent permitted by Australian law:

• The owner of this Website shall not be liable for any loss, damage, or financial decisions made based on the use of these calculators.
• Use of this Website is entirely at your own risk.

7. Intellectual Property

All content, design, branding, and calculator functionality on this Website are the intellectual property of the Website owner unless otherwise stated. You may not reproduce, copy, or distribute content without permission.

8. Changes to These Terms

These Terms may be updated at any time without prior notice. Continued use of the Website constitutes acceptance of any updated Terms.

9. Contact

For questions regarding these Terms, contact: contact@mortgagerepayments.com.au