Disclaimer
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1. General information only
The calculators, articles, market data, and other content provided on RealEstateCalc.com.au are for general informational and educational purposes only. They are not intended to provide financial, legal, tax, or professional advice. The information does not take into account your personal objectives, financial situation, or needs.
2. We are not licensed financial or credit professionals
RealEstateCalc is not a credit provider, credit assistance provider, mortgage broker, financial adviser, insurance broker, or insurance issuer. We do not hold an Australian Financial Services Licence (AFSL) issued under the Corporations Act 2001 (Cth), and we do not hold an Australian Credit Licence (ACL) issued under the National Consumer Credit Protection Act 2009 (Cth).
Nothing on this website is intended as a recommendation to apply for, hold, or dispose of any financial product or credit product, nor as a personal recommendation to take any specific course of action. If you need personalised advice, please consult a licensed professional.
3. Before applying for any product
Before applying for any credit, insurance, superannuation, or other financial product mentioned on this site, you should:
- read the relevant Product Disclosure Statement (PDS)
- read the relevant Target Market Determination (TMD)
- read the relevant Credit Guide, where applicable
- consider whether the product is appropriate for your personal circumstances
- seek advice from a licensed professional if you are unsure
4. Accuracy of calculations and rates
We take care to source calculator formulas and rate data from primary sources — the Australian Taxation Office (ATO), state and territory revenue offices, the Reserve Bank of Australia (RBA), the Australian Prudential Regulation Authority (APRA), and ASIC Moneysmart. Calculator outputs are tested against published worked examples where available. See our Methodology page for detail.
Despite this, calculator results are estimates only. Rates, thresholds, fees, and rules change — and may have changed since a calculator or article was last updated. We make no warranty or representation as to the accuracy, completeness, currency, reliability, or fitness for any particular purpose of any information on this website. You should independently verify any figure before relying on it for an actual decision.
5. Comparison content
Where this site presents comparisons or rankings of financial or credit products, those comparisons are based on publicly available data described on the page (such as advertised interest rates or fees as at a particular date). Comparisons do not cover the entire market and may not include every product available to you. The order of products in a comparison reflects the criterion described on the page, not the size of any commercial relationship.
6. No liability
To the maximum extent permitted by law, RealEstateCalc and its operators, contributors, and contractors are not liable for any loss or damage (including indirect or consequential loss) arising out of, or in connection with, your use of, or reliance on, any information, calculator, article, or third-party link on this website. You use this website and its tools at your own risk.
Nothing in this disclaimer is intended to exclude or limit any guarantee, condition, warranty, or right that cannot lawfully be excluded under the Australian Consumer Law or any other applicable legislation.
7. External links
Our website may contain links to third-party websites and services, including affiliate partners. We are not responsible for the content, accuracy, security, or privacy practices of those external sites. The presence of a link does not imply endorsement. See our Affiliate Disclosure for how we use partner links.
8. Changes
We may update this disclaimer from time to time. The "Last updated" date at the top of this page reflects the most recent revision. By continuing to use the site, you accept the disclaimer in force at that time.
9. Contact
If you have a question about this disclaimer, please use our contact page.