1. Acceptance of these terms

By accessing or using this website, calculator, reports, or related services, you agree to these Terms and Conditions and the Privacy Policy. If you do not agree, do not use the service.

2. The service

The service provides general mortgage repayment calculations, scenario comparisons, charts, tables, and printable reports. Features may be added, changed, limited, or removed as the service develops.

The website and calculator are operated fully online by Finance By Sana, an agency owned by Sana Hosseini. The website has no public office or branch.

Through Finance By Sana, Sana mainly helps Australians understand and choose home loans suited to their needs and teaches first home buyers how to navigate buying their first home. Home loan mortgage broking services are provided by Sana in his professional capacity as a Home Loan Mortgage Broker. Separate privacy, credit, and service disclosures may apply to those services.

The service does not provide a loan, arrange credit, determine eligibility, or recommend a particular financial product.

3. Permitted use

You may use the service for lawful personal or internal business comparison and planning. You must not:

use the service for unlawful, fraudulent, misleading, or abusive activity;
attempt to gain unauthorised access to a server, database, or restricted file;
interfere with the operation, security, or availability of the service;
introduce malicious code or use automated traffic that creates an unreasonable load;
copy, resell, frame, or white-label the service without written permission; or
misrepresent calculator estimates as lender-issued quotes or approvals.

4. Your information and calculator inputs

You are responsible for the accuracy and legality of information you submit. Do not enter another person's personal or confidential information unless you are authorised to do so.

Calculator outputs are only as reliable as the inputs and assumptions used. You must independently verify important figures before acting on them.

5. Intellectual property

The website design, calculator interface, software, branding, written content, and reports are owned by or licensed to Finance By Sana or Sana Hosseini, as applicable, except where third-party rights apply. These terms do not transfer ownership to you.

6. Third-party services

The service may rely on hosting providers or link to other third-party services. Their services are governed by their own terms and may change or become unavailable independently of us.

7. Availability and changes

We may maintain, update, suspend, or discontinue any part of the service. We do not promise continuous availability or that every error will be corrected immediately.

8. Disclaimers and liability

The service is provided on an as-available basis. The separate Disclaimer forms part of these terms. To the maximum extent permitted by law, we exclude liability for indirect or consequential loss arising from use of or inability to use the service.

Nothing in these terms excludes, restricts, or modifies rights or remedies that cannot lawfully be excluded, including applicable rights under the Australian Consumer Law.

9. Suspension or termination

We may restrict or terminate access where reasonably necessary to protect the service, users, third parties, or legal rights, including where these terms are materially breached.

10. Changes to these terms

We may update these terms to reflect service, legal, or operational changes. The updated date will be shown on this page. Continued use after an update means the revised terms apply from the effective date.

11. Applicable law and contact

These terms are governed by the laws of Victoria and the applicable Commonwealth laws of Australia. You submit to the non-exclusive jurisdiction of the courts of Victoria and courts entitled to hear appeals from them. If a dispute arises, contact us first so the matter can be discussed in good faith.

Admin email: admin@loancalculator.mortgage
Contact number: (02) 6622 2222

You can also use the Contact Us page for privacy or general enquiries.