Financial Disclaimer

Last updated: May 2026

IMPORTANT NOTICE — PLEASE READ

CalcRight provides mortgage, loan, and financial calculators for informational and educational purposes only. The following disclaimer applies to all tools, calculations, rate data, and content on this website.

Not Financial Advice

Nothing on this website constitutes or should be construed as financial advice, investment advice, legal advice, tax advice, a mortgage offer or pre-approval, or a lending commitment of any kind.

All calculation results are estimates only. They are not guaranteed to reflect your actual costs, loan qualifications, tax liability, or available market rates.

No Professional Relationship

Use of this website does not create any professional or advisory relationship between you and CalcRight. We are a calculator tool — not a licensed financial advisor, mortgage broker, lender, real estate agent, or regulated financial institution.

Consult a Professional

Before making any significant financial decision — especially taking on a mortgage or major loan — consult one or more of the following:

  • A licensed mortgage broker or loan officer — US: NMLS-licensed; Canada: federally/provincially licensed; Australia: ACL/ASIC-authorized
  • A Certified Financial Planner (CFP) or equivalent in your country
  • A licensed real estate attorney for contract and legal matters
  • A CPA or chartered accountant for tax-related matters

Calculation Accuracy

Calculation results depend on the inputs you provide and standard mathematical formulas. Actual mortgage payments, costs, and outcomes will vary based on your personal credit history and credit score, lender-specific fees and policies, property appraisal and condition, local regulations and taxes, and market conditions at time of application.

Rate Data

Interest rates displayed on this site are sourced from official central bank APIs (Federal Reserve, Bank of Canada, Reserve Bank of Australia) and updated regularly. These rates represent national benchmark rates and averages — not loan offers. The rate you receive from any lender will depend on your creditworthiness and the lender's current pricing.

Country-Specific Regulatory Notices

🇺🇸 United States

CalcRight is not affiliated with the CFPB, HUD, Freddie Mac, Fannie Mae, the VA, or any US federal or state agency.

🇨🇦 Canada

CalcRight is not affiliated with CMHC, OSFI, the Bank of Canada, or any Canadian federal or provincial regulator. CMHC insurance premium estimates are approximate; actual premiums are determined by your lender and CMHC upon application.

🇦🇺 Australia

CalcRight is not affiliated with APRA, ASIC, the Reserve Bank of Australia, or any Australian regulatory body. LMI estimates are approximate; actual LMI costs are determined by your lender and their LMI provider.

Limitation of Liability

CalcRight and its operators are not liable for any financial loss, decision, or outcome arising from use of this website's tools or content.

Errors and Corrections

While we strive for accuracy, CalcRight makes no warranty regarding the correctness or completeness of any calculation result. If you identify an error, please contact us.