Terms of Use

1. Information, not advice

MortgagePulse.uk provides housing market data and affordability analysis for informational purposes only. Nothing on this site constitutes financial advice, mortgage advice, or investment advice under the Financial Services and Markets Act 2000. MortgagePulse.uk is not authorised or regulated by the Financial Conduct Authority (FCA).

Before making any financial decision, including taking out a mortgage, consult a qualified, FCA-authorised mortgage adviser. You can find one via the FCA Register at register.fca.org.uk.

2. Data accuracy

All data is sourced from HM Land Registry, the Office for National Statistics, and the Bank of England. These sources are authoritative but may contain errors, revisions, or delays. MortgagePulse.uk makes no warranty, express or implied, as to the accuracy, completeness, or timeliness of any data displayed.

Regional scores are computed using a normalised composite model (see About). They are illustrative indicators, not definitive rankings. The scoring methodology may change without notice as new data or model improvements are introduced.

3. Affordability calculator

The affordability calculator uses simplified assumptions (4.5x income multiplier, current BoE base rate, standard stress test). Results are estimates only. Actual mortgage affordability assessments are conducted by lenders under FCA-regulated processes and will differ based on your credit history, existing commitments, property type, and lender criteria. Do not rely on calculator outputs as a basis for making a financial commitment.

4. Intellectual property

The MortgagePulse.uk site design, scoring methodology, blog content, and editorial commentary are copyright MortgagePulse.uk unless otherwise stated. You may share individual data points or short quotes with attribution and a link back to the source page.

Underlying government data (HPI, ONS, BoE) is licensed under the Open Government Licence v3.0. Contains public sector information licensed under the OGL v3.0.

5. Affiliate links

Some blog posts contain affiliate links to mortgage comparison services. If you click an affiliate link and purchase a product, we may receive a commission at no extra cost to you. Affiliate links are identified with a disclosure statement at the top of any post that contains them. Commissions do not influence editorial content or data.

6. Limitation of liability

To the fullest extent permitted by law, MortgagePulse.uk excludes all liability for loss or damage — including financial loss — arising from reliance on information displayed on this site. This includes but is not limited to decisions to buy, sell, or remortgage a property based on data or scores shown here.

7. External links

The site links to external sites including GOV.UK, ONS, and comparison services. We are not responsible for the content, availability, or privacy practices of external sites.

8. Governing law

These terms are governed by the laws of England and Wales. Any disputes are subject to the exclusive jurisdiction of the courts of England and Wales.

9. Changes to these terms

We may update these terms at any time. The “last updated” date above will reflect the most recent revision. Continued use of the site after changes are published constitutes acceptance of the revised terms.