1. General information only
All content on Accepted.co.uk — including calculators, guides, articles and any other information — is provided for general informational purposes only. It does not constitute financial, legal, tax or any other form of professional advice and should not be treated as a substitute for advice from a qualified professional who understands your individual circumstances.
2. Not regulated
Accepted.co.uk is operated by CLB Estates Limited. CLB Estates Limited is not authorised or regulated by the Financial Conduct Authority (FCA) for the purposes of this site, and nothing on the site should be interpreted as a personal recommendation, advice on the merits of a financial product, or an invitation to enter into any specific transaction.
3. Calculator accuracy
Our calculators are built using publicly available UK tax rates, thresholds and standard financial formulas. Results are estimates and intended to give you a useful indication only.
Calculator results may not reflect your individual circumstances — including (but not limited to) tax code adjustments, benefits in kind, salary sacrifice arrangements, lender-specific criteria or other personal factors. You should not rely on calculator results when making financial decisions; always verify the figures with a qualified professional.
4. No liability
To the fullest extent permitted by law, CLB Estates Limited accepts no liability for any loss, damage, cost or expense arising directly or indirectly from any decision made, or action taken, on the basis of information or calculations provided on Accepted.co.uk. You use the site, calculators and content at your own risk.
5. External links
Accepted.co.uk may contain links to third party websites. We provide these links for convenience only and have no control over the content, accuracy, availability or privacy practices of those sites. The inclusion of any link does not imply our endorsement of the linked site, and we accept no responsibility for any loss or damage arising from your use of them.
6. Tax information
We update tax rates, thresholds and allowances when changes are announced (typically following the UK Budget). However, rates can and do change, and there may be a delay between announcements and updates on the site. Before making any decision based on tax information shown here, please verify current rates with HMRC or a qualified tax adviser.
7. Mortgage and debt information
Borrowing money — whether through a mortgage, loan, credit card or other credit product — is a significant financial commitment. Lender criteria, interest rates and product features change frequently. Always seek independent financial advice from an FCA-regulated advisor before taking out, switching or consolidating any credit product. Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.
8. Intellectual property
All content on Accepted.co.uk — including text, calculators, guides, design, layout, logos and graphics — is owned by or licensed to CLB Estates Limited and is protected by UK and international copyright laws. You may view and print pages for personal, non-commercial use. You may not otherwise reproduce, distribute, modify or republish content without our prior written permission.
9. Governing law
This disclaimer and your use of Accepted.co.uk are governed by the laws of England and Wales. Any dispute arising out of or in connection with this disclaimer or your use of the site will be subject to the exclusive jurisdiction of the courts of England and Wales.