Transparency
Some links on this site earn us a small commission. Here's exactly how that works, what we earn, and why it never affects you.
If you're in a hurry, here's what you need to know.
That's the whole thing. The sections below go into more detail if you'd like to understand exactly how it works.
What actually happens when you click a broker link on this site.
When you click a broker link on Bricks & Calcs, a tracking cookie is placed on your browser. This lets the broker's affiliate programme record that you came from our site. No personal information is collected by us at this stage — you're simply visiting their website.
Affiliate tracking cookies are only set with your prior consent, managed via our cookie banner. See our Cookie Policy for details.
From there, there are two ways we might earn a commission:
Type 1
Enquiry commission
We earn a small fee when you submit a mortgage enquiry through the broker's site. This is sometimes called a cost-per-lead (CPL). You haven't agreed to anything or spent any money — you've simply filled in a contact form.
Type 2
Completion commission
We earn a larger fee if your mortgage application completes successfully through that broker. This is sometimes called a cost-per-acquisition (CPA). Neither commission changes the fees or rates the broker charges you.
You're never charged more — or offered less — because you arrived via an affiliate link. Brokers pay affiliate fees from their own margins, not from you.
The things that are completely independent of any commercial arrangement.
We only partner with FCA-authorised mortgage brokers. Here's who they are.
We will never link to a broker that isn't authorised by the Financial Conduct Authority. You can verify any firm's FCA status yourself at register.fca.org.uk.
| Broker | FCA Registration No. | FCA Status |
|---|---|---|
| Hey Habito Ltd | 714187 | FCA Authorised |
| Boon Brokers Ltd | 973757 | FCA Authorised |
FRN numbers link to the FCA register where you can verify status directly. This table is updated whenever a new partner is added or removed.
We label affiliate links clearly so you always know before you click.
The ASA requires that affiliate relationships are disclosed at the point where you engage, not tucked away in a policy page. On Bricks & Calcs, affiliate links are identified in three ways:
The site footer also carries a persistent affiliate disclosure on all pages where affiliate links appear.
Our content and calculators are produced independently of our commercial relationships.
No affiliate partner has any input into, or influence over, the content published on Bricks & Calcs. This includes:
If you ever spot something on this site that you think conflicts with our stated editorial independence, please tell us at legal@bricksandcalcs.co.uk.
The rules this disclosure is designed to satisfy.
This page and our on-page labelling practices are designed to comply with:
Bricks & Calcs is not itself authorised or regulated by the FCA. We do not provide financial advice. All calculators on this site are illustrative tools only.