The information produced by the calculator is not an indication of nor is it intended to predict future interest rates, fees or charges that may apply to any loan. The calculator utilises information supplied by the user and assumptions made by the calculator to provide a guide only. Actual results will depend upon future interest rates, future income, future living expenses, inflation, taxation laws, taxation circumstances and other factors. Full details of current terms and conditions (including fees and charges) applicable to loans are available from credit providers on application to credit providers for the said information. Approval of all loans are subject to the credit provider's individual lending criteria and no assumption can be made that a loan will be advanced by a credit provider as a result of information obtained from the calculator. The Lender accepts no liability for any expenses or losses that any person or entity may incur as a result of relying upon the calculator or information provided by us or produced by the calculator. Borrower's should obtain independent taxation and investment advice from a qualified accountant and a qualified financial adviser.