Terms of Use & Legal Disclaimer

Last updated: September 2026

Please read these terms carefully before using the Lowest Rate Loans website ("the Site"). By accessing or using the Site, you agree to be bound by these terms.

1. No financial advice

Before making any financial decision — including taking out a mortgage, loan, or any other credit product — you should seek advice from a suitably qualified, FCA-authorised financial adviser or mortgage broker who can assess your individual circumstances. You should never rely solely on information found on this Site, or any website, when making significant financial decisions.

2. Accuracy of information

We make reasonable efforts to ensure the information on this Site is accurate and up to date at the time of publication. However, UK financial products, interest rates, tax thresholds (including Stamp Duty Land Tax bands), lending criteria and regulations change frequently, and we cannot guarantee that all content reflects the most current position at the time you read it. You should always independently verify any rate, threshold, fee or eligibility criterion directly with the relevant lender, HMRC, or another authoritative primary source before relying on it or making any decision.

3. Calculators are estimates only

The calculators provided on this Site (including but not limited to our mortgage affordability, loan-to-value, overpayment, remortgage, Stamp Duty, loan repayment, debt consolidation, PCP/HP, risk visualiser, debt-to-income and true cost of borrowing calculators) produce simplified, illustrative estimates based on the figures you enter and standard, simplified formulae. They do not constitute a mortgage or loan offer, a quotation, a guarantee of eligibility, or financial advice. Actual rates, terms, fees and lending decisions are determined solely by individual lenders based on their own full assessment criteria, which will differ from the simplified assumptions used in these tools.

4. Affiliate links and commercial relationships

This Site may contain affiliate links, through which we may earn a commission if you click through and take out a product with a third-party provider, at no additional cost to you. See our full affiliate disclosure for details. Affiliate relationships do not influence our editorial content or recommendations.

5. Third-party links

This Site may contain links to third-party websites, including lenders, government resources and debt charities. We are not responsible for the content, accuracy, or practices of any third-party website, and inclusion of a link does not constitute an endorsement.

6. Limitation of liability

To the fullest extent permitted by law, Lowest Rate Loans and its authors, editors and operators accept no liability for any loss or damage arising from your use of, or reliance on, any information contained on this Site, including any decisions made based on our calculators or articles. Your use of this Site and any financial decisions you make are entirely at your own risk.

7. Intellectual property

All content on this Site, including text, graphics, logos and the calculators themselves, is the property of Lowest Rate Loans unless otherwise stated, and may not be reproduced without permission, except for fair personal, non-commercial use with appropriate attribution.

8. Changes to these terms

We may update these terms from time to time. Continued use of the Site following any changes constitutes acceptance of the updated terms. Please check this page periodically for updates.

9. Governing law

These terms are governed by the laws of England and Wales, and any disputes relating to this Site shall be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Contact

If you have any questions about these terms, please contact us. See also our privacy policy, editorial policy and affiliate disclosure.