Disclaimer

1. General Disclaimer

HomeLoanTools.com.au ("we", "us", or "our") provides free online home loan calculators, comparison tools, and educational content for Australian consumers. All information, tools, and resources on this website are provided for general educational and informational purposes only.

We are not a financial adviser, mortgage broker, credit provider, or credit representative. We do not hold an Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL). Nothing on this website should be interpreted as a recommendation, endorsement, or solicitation to obtain any financial product or service.

2. Not Financial Advice

The information shared on this website is for educational purposes only and is not intended to be, and should not be taken as, financial advice. Every individual's financial situation is unique, and the information provided here may not be appropriate for your personal circumstances.

Before making any financial decisions — including but not limited to applying for a home loan, refinancing an existing loan, purchasing property, or entering into any financial commitment — you must consider taking expert advice from a suitably qualified professional, such as:

• A licensed financial adviser
• A qualified mortgage broker
• A registered tax agent or accountant
• A legal practitioner specialising in property or finance

A professional adviser can assess your individual financial situation, objectives, and needs before recommending any course of action.

3. Calculator Results Are Estimates Only

Our home loan calculators — including borrowing capacity, loan repayment, stamp duty, refinancing, and purchasing power calculators — produce estimated results based on the information you enter and certain general assumptions. These results are indicative only and should not be relied upon as exact figures.

You should be aware that:

• Calculator results may differ significantly from actual loan terms, repayment amounts, fees, or costs offered by lenders
• Calculators use simplified models that may not account for all relevant factors, including individual lender policies, credit assessments, and regulatory requirements
• Stamp duty calculations are based on publicly available rates and thresholds, which may change without notice
• Borrowing capacity estimates do not account for all factors that lenders consider in their credit assessments, such as credit history, existing debts, and serviceability buffers
• Results do not include all fees and charges that may apply to a home loan

4. Lender Data and Interest Rates

Interest rates and product information displayed on our website are sourced from the Consumer Data Right (CDR) Open Banking API. This is publicly available data published by Australian Deposit-taking Institutions (ADIs) as required by the Australian Government.

While we endeavour to keep this data current:

• Rates and product details may not be the most current information available directly from lenders
• Not all lender products may be displayed on our website
• Some product details, including comparison rates, may be incomplete due to data limitations in the CDR source
• We do not guarantee the accuracy or completeness of any lender data displayed
• You should always verify rates, fees, and terms directly with the relevant lender before making any decisions

The display of any lender or product on our website does not constitute an endorsement, recommendation, or solicitation. We do not receive commissions or referral fees from lenders displayed on our comparison pages unless explicitly disclosed.

5. No Guarantee of Accuracy

While we make reasonable efforts to ensure the information on this website is accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of any information, tools, or content provided on this website.

Information on this website may contain errors, omissions, or inaccuracies. We do not accept any liability for any loss or damage arising from your reliance on information provided on this website.

6. Third-Party Content and Links

Our website may contain links to external websites and display third-party advertisements. We do not control the content of third-party websites or advertisements and do not endorse or accept responsibility for any products, services, or information offered by third parties. Clicking on external links or engaging with advertisements is at your own risk.

7. Limitation of Liability

To the maximum extent permitted by law, HomeLoanTools.com.au, its owners, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of, or inability to use, this website
• Any reliance on information provided on this website
• Any financial decisions made based on calculator results or information displayed on this website
• Any errors, omissions, or inaccuracies in the information provided
• Any loss of data or interruption to the Service

Nothing in this Disclaimer excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition implied or imposed by the Australian Consumer Law or any other applicable legislation which cannot be lawfully excluded or limited.

8. Governing Law

This Disclaimer is governed by the laws of Queensland, Australia. Any disputes arising from this Disclaimer or your use of the website shall be subject to the exclusive jurisdiction of the courts of Queensland.

9. Changes to This Disclaimer

We may update this Disclaimer from time to time. Any changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after any changes constitutes your acceptance of the revised Disclaimer.

10. Contact Us

If you have any questions about this Disclaimer, please contact us through our Contact page.