Usage of the calculator is based on the awareness and undertaking of the user, that any repayment estimates displayed do not specify a quote for a loan; do not indicate that a finance application has been submitted; and are not any indication that an application for finance has been approved. The format and capabilities of this calculator do not facilitate consideration of specific details of a particular finance applicant; of any specific lender charges and fees; and costs. The calculations are set to multiply a generic result which is based on the basic data and values input by the user.

When a formal finance application is submitted, any quote and repayments that the user may be offered, may differ from the values derived in using the calculator. This device is not suitable or estimations of finance that is developed based on a rate of interest only basis. The calculator is formatted to compound the interest rate over a set time and for the values entered by the user.

This calculator is not provided for, or designed for, or intended as a finance decision making device. Individuals requiring financial advice must seek out an expert financial advisor in relation to individual circumstances. To submit a loan application and to obtain a loan quoted based on individual requirements, individuals need to contact the lender and have their application assessed by the lender.