Terms of Use

Last updated: March 2026

By accessing or using MortgageCalculator.co.za (the "Website"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Website.

1. Free to Use

MortgageCalculator.co.za is provided free of charge for personal, non-commercial use. You may use the calculators and read the guides without registering, subscribing, or paying any fee.

Commercial use of the Website's content, calculators, or underlying calculation logic — including embedding our calculators in other products or services — requires prior written permission.

2. Acceptable Use

You agree not to:

  • Use the Website for any unlawful purpose or in any manner that violates applicable South African law
  • Attempt to gain unauthorised access to any part of the Website's infrastructure
  • Use automated tools (bots, scrapers, crawlers) to bulk-extract content from the Website without permission
  • Misrepresent outputs from this Website as professional financial advice
  • Reproduce, redistribute, or commercially exploit any content from this Website without permission

3. No Warranty

The Website and all calculators are provided "as is" and "as available" without any warranties, express or implied. We do not warrant that:

  • The Website will be continuously available or error-free
  • Any calculation result is accurate, complete, or suitable for any particular purpose
  • The Website is free from viruses or other harmful components

Please read our full Disclaimer for details on the limitations of our calculator outputs.

4. Intellectual Property

All content on this Website — including text, calculator designs, layouts, code structure, and written guides — is the intellectual property of MortgageCalculator.co.za and is protected by applicable copyright laws.

You may share links to individual calculators or guides. You may not copy, reproduce, publish, or distribute the content of this Website, in whole or in part, without prior written permission, except for brief quotations with attribution and a link to the source.

Rate tables sourced from South African government publications (SARS, the Deeds Office, etc.) are in the public domain and are not subject to our intellectual property claim.

5. Limitation of Liability

To the maximum extent permitted by South African law, MortgageCalculator.co.za and its operators, employees, and contributors shall not be liable for any:

  • Direct, indirect, incidental, or consequential losses
  • Financial losses arising from reliance on calculator estimates
  • Losses arising from Website unavailability or errors
  • Losses caused by third-party linked websites

Our total liability to you for any claim arising from your use of the Website shall not exceed zero rands, as the service is provided free of charge.

6. Not Financial Advice

Nothing on this Website constitutes financial, investment, tax, or legal advice. Calculator outputs are estimates only. Always consult a qualified professional before making financial decisions. See our full Disclaimer.

7. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these terms by reference.

8. Third-Party Links

The Website may contain links to external websites operated by third parties. These links are provided for convenience only. We are not responsible for the content, accuracy, or practices of any third-party website and do not endorse any products or services advertised there.

9. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising from your use of the Website shall be subject to the exclusive jurisdiction of the South African courts.

10. Changes to These Terms

We may update these Terms of Use from time to time. Changes take effect immediately upon publication on the Website. Your continued use of the Website after any change constitutes your acceptance of the revised terms. We will update the "last updated" date at the top of this page when changes are made.

11. Severability

If any provision of these Terms of Use is found to be invalid or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it valid and enforceable. The remaining provisions shall continue in full force and effect.