Our Disclaimer

1. General Disclaimer

OverpayCalc ("the Website") provides financial calculation tools to help individuals understand potential outcomes of mortgage overpayments, loan repayments, and other financial scenarios. While we strive for accuracy, all results generated by our calculators are estimates only.

The results you receive from our tools are based on the inputs you provide and standard mathematical formulas. They are not guaranteed to reflect your actual financial situation, lender terms, or future financial outcomes.

2. Not Financial Advice

Nothing contained on this Website should be construed as financial advice, investment advice, legal advice, or any other form of professional advice. The tools and information provided are intended purely for educational and illustrative purposes.

Making financial decisions — including whether to overpay your mortgage, take out a loan, or alter your repayment strategy — involves complex personal and market factors that a calculator cannot account for. We strongly recommend you:

• Consult a qualified, FCA-authorised financial adviser before making mortgage or loan decisions
• Speak directly with your lender to verify any calculations and understand your specific terms
• Seek independent legal advice for any contractual matters
• Consult a tax professional regarding any tax implications of your financial decisions

3. Accuracy of Results

Our calculators use widely accepted standard amortisation formulas. However, actual results from your lender may differ from our estimates due to a variety of factors, including but not limited to:

• Rounding conventions: Lenders may use different rounding methods for monthly payments and interest calculations
• Interest accrual method: Some lenders calculate interest daily; others calculate monthly
• Early repayment charges (ERCs): Our calculators do not account for any ERCs your lender may apply to overpayments
• Variable interest rates: If your mortgage or loan has a variable rate, future interest calculations will differ from estimates based on a fixed rate
• Payment holidays: Any payment holidays, deferred payments, or restructured terms will affect actual outcomes
• Product-specific rules: Individual lenders may apply specific rules about how overpayments are applied to your balance

We do not warrant that our calculator results are free from errors. You should always treat our results as directional guides rather than precise financial projections.

4. Currency and Exchange Rates

OverpayCalc allows users to display calculations in GBP, USD, EUR, and PKR. The currency selector changes only the displayed currency symbol — it does not apply real-time exchange rate conversions. All calculations assume the amounts entered are in the selected currency.

We accept no responsibility for decisions made based on currency conversions or comparisons between currencies using our tools.

5. No Warranty

This Website and its tools are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Website will be uninterrupted, error-free, or free from viruses
• Warranties regarding the accuracy, completeness, or timeliness of the information provided

Your use of the Website and reliance on any information or results is entirely at your own risk.

6. Limitation of Liability

To the maximum extent permitted by applicable law, OverpayCalc and its operators shall not be liable for any loss or damage of any kind arising from or in connection with your use of this Website, including:

• Any financial loss resulting from decisions based on our calculator results
• Any indirect, incidental, or consequential damages
• Any loss of data, profits, or business opportunities

This limitation applies even where we have been advised of the possibility of such damages.

7. External Links

Our Website may contain links to external websites, financial guides, or third-party resources. These links are provided for your convenience and informational purposes only. We have no control over the content of third-party sites and accept no liability for their content, accuracy, or any financial decisions you make based on information found on those sites.

8. Regulatory Notice

OverpayCalc is not regulated by the Financial Conduct Authority (FCA) or any other financial regulatory body. We are not authorised to give financial advice. The tools we provide are purely informational aids and do not fall under the scope of regulated financial advice.

If you require regulated financial advice, please seek guidance from an FCA-authorised adviser. You can check the FCA Register at register.fca.org.uk.

9. Changes to This Disclaimer

We reserve the right to update or amend this Disclaimer at any time. Changes will be reflected by updating the "last updated" date at the top of this page. Your continued use of the Website after any changes constitutes your acceptance of the updated Disclaimer.

10. Contact Us

If you have questions about this Disclaimer or concerns about the information provided on our Website, please contact us via our Contact page.