Legal
Terms of Service
Last updated: October 2026
The following terms apply to hommetra.com (the "Site"). Acceptance is implied by use, so if they are not acceptable to you, please stop using the Site.
HomMetra does one thing — as a mortgage calculator it estimates the monthly payment on a home loan including property taxes and insurance, and compares terms, down payments and rates over the full amortisation. It applies the reducing-balance formula to principal and rate, adds the annual tax and insurance divided across the payments, and splits each instalment into its interest and principal parts so the balance can be watched falling. What follows concerns only that tool and the inputs involved in it.
Practically, all the calculation needs is the loan amount, rate, term and running costs. Typical reasons people open HomMetra include comparing a fifteen-year and a thirty-year term, and in every case the work happens on the visitor's own device rather than ours.
About this Site and its tools
HomMetra offers a mortgage calculator, free to use, together with supporting explanations. Every result is an estimate computed from what you supply, following the method set out on the page itself. Money results rest on assumptions about rates, contributions and taxes that will not hold precisely, and are illustrations rather than advice.
No duty of care created
Browsing or using hommetra.com does not create a professional relationship, an advisory duty or any obligation on our part towards you.
Accuracy
We take the method seriously and describe it openly, but we cannot promise every output is flawless or that the material stays current. Where a known margin of error applies, treat the figure as an estimate rather than a fact.
Permitted and prohibited use
Use the Site freely for yourself or your work. What is not allowed: disrupting the service, scraping it hard enough to hurt performance for others, claiming it as your own, or any unlawful purpose.
Intellectual property
Ownership of the Site's copy, layout and code lies with us or our licensors. Link freely; ask in writing before reproducing substantial parts.
Ads and external links
Advertising from third parties supports the Site, and external links may appear for reference. We are not responsible for what those third parties do. Ads never change a result.
Availability
The Site comes as it is, with no uptime guarantee. Tools and pages may be changed, suspended or withdrawn at any time.
Liability
As far as legally permitted, our liability is excluded for indirect or consequential damages and for any decision taken on the strength of a result produced here.
Applicable law
The terms are governed by the law of the jurisdiction in which the Site operator is established, conflict-of-law rules aside.
Money-related limitations
No output here amounts to financial advice. Results depend on assumptions about rates, contributions, fees and taxes that will not be met precisely in practice, so treat them as illustrative and take licensed advice before acting.
Questions about these terms
Anything unclear in these terms can be raised through the contact page.