Terms & Conditions
Last updated: 13 July 2026
These Terms & Conditions ("Terms") govern your use of the Smarter Mortgage Calculator website. By accessing or using the website, you accept these Terms in full. If you do not agree with any part of these Terms, please do not use the website.
Estimates Only
The mortgage calculator and any related tools provide estimates only, based on the figures and assumptions you enter. Results are for general informational purposes and do not represent a loan offer, pre-approval, quote or guarantee from any lender.
Accuracy of Results
Calculation results depend entirely on the information and assumptions you provide, such as loan amount, interest rate, term and additional costs. We do not verify this information, and actual repayments, fees, interest rates, taxes and lender requirements may differ from the figures shown.
Changes to the Service
We may change, suspend, update or discontinue any part of the website or its features at any time, with or without notice, and without liability to you.
Acceptable Use
You agree to use the website only for lawful purposes and in a way that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the website by, any third party. You must not attempt to disrupt, damage or gain unauthorised access to the website or its underlying systems.
Intellectual Property
The website, including its design, layout, text, graphics, logos and underlying code, is owned by or licensed to Smarter Mortgage Calculator and is protected by applicable intellectual property laws. You may not reproduce, distribute or create derivative works from any part of the website without prior permission.
External Links
The website may contain links to third-party websites provided for convenience only. We do not endorse and are not responsible for the content, accuracy or practices of any linked third-party website.
Limitation of Liability
To the maximum extent permitted by law, Smarter Mortgage Calculator excludes all liability for any loss or damage, whether direct, indirect, incidental or consequential, arising from your use of, or reliance on, the website or any calculation results. The website is provided "as is" without warranties of any kind, express or implied.
Governing Law
These Terms are governed by the laws applicable in Australia, and you submit to the non-exclusive jurisdiction of the courts of Australia in relation to any dispute arising from these Terms or your use of the website. These Terms are provided for general guidance only and have not been reviewed or approved by a lawyer; you should seek independent legal advice if you require certainty about your rights or obligations.
Contact
If you have questions about these Terms, contact us through our Contact Us page.