How we research mortgages in four countries
Where our numbers come from, how we handle rates that change every week, how our calculators work and how often we review each guide, so you can judge how far to rely on what you read here.
- Central banks and regulators
- Dated figures
- No paid placements
- Last updated: October 28, 2026
One editor, accountable for every guide
Our guides are researched and written by the MortgageCompass Editorial Team, led by founder and editor Gerard Cabana. Every rate, limit and calculation is checked against the sources linked in each guide before it is published.
Gerard Cabana
Founder and editor
A qualified engineer based in Barcelona, Spain. Not a broker or financial adviser. More on our About page.
Where our information comes from
We start from primary sources: regulators, government agencies, central banks and official programs. Industry research and lender information only add context, and we say when we use them.
Each guide ends with a Sources section, and key figures link straight to their origin.
How we handle rates and other numbers that change
How our calculators work
- Standard formulasFixed-rate payments, debt-to-income ratios, official tax bands and published stress tests.
- Tested firstChecked against hand-worked examples and official tools before publication.
- In your browserWe do not see, store or share the numbers you enter.
- Estimates onlyLenders apply their own criteria, fees and rounding.
How often we review content
| Content | When we review it |
|---|---|
| Rate pages and forecasts | At least monthly, and after central bank decisions |
| Loan limits, tax bands and schemes | When official figures change, usually yearly, and after budgets or new legislation |
| Explainers and how-to guides | At least once a year |
| Calculators | Whenever the rules behind them change |
Each guide shows the date it was last reviewed.
How we write and edit
We use research tools, including AI-assisted drafting, but AI does not decide what is published. Before an article goes live, Gerard checks it against its sources, edits it and recalculates every figure. We write for readers rather than search engines, we cover the downsides as clearly as the benefits, and we never promise approval or savings.
Funding and corrections
MortgageCompass is funded by advertising, including Google AdSense. Advertisers cannot see our content before publication or pay to change it, and lenders do not pay for inclusion. Any future affiliate links will be disclosed on the pages where they appear.
To report an error, use our contact page or email us, ideally with the page address and a source. We review every request and update the page and its review date when needed.
What we do not do
- We do not give personal financial advice or recommend specific loans.
- We do not arrange loans, collect applications or pass your details to lenders.
- We do not publish reviews, testimonials or test results we did not collect ourselves.
Our content is general information only. Confirm rates and rules with a licensed professional before you decide. See our Legal Notice.
Spotted an error or an outdated rate?
Tell us which guide and what needs checking.