Terms

Use the estimate as a question, not a promise.

Effective July 28, 2026. By using Mortgage Compass, you agree to use it for general educational and planning purposes.

No professional or lending relationship

Utilitas is not acting as your lender, broker, financial adviser, lawyer, tax adviser, appraiser, insurer, real-estate professional, or housing counsellor. The site does not approve credit, provide a mortgage quote, or recommend a product or provider.

Estimates and availability

Results depend on the values you enter and simplified assumptions. Actual payments, eligibility, rates, fees, taxes, insurance, penalties, property values, returns, and legal consequences can differ. Verify important decisions with the relevant qualified professionals and official documents.

Exports and shared links

CSV and PDF exports identify Mortgage Compass as the source application. You are responsible for reviewing them before use. Shared URLs may reveal the assumptions embedded in the link.

Third-party names and links

Third-party names are used for identification and education. No affiliation or endorsement is implied. External sites control their own content, availability, and policies.

Acceptable use

Do not misuse the site, interfere with its operation, attempt unauthorized access, or present planning outputs as a lender commitment, appraisal, approval, or official disclosure.

Changes

Features, content, and these terms may change. The effective date will be updated when material changes are published.