Each card states what the reference supports and how MortMe uses it. References provide educational context, not live rates, lender quotes, approvals, or personalized financial advice.
Country references document the context recorded by the adapters, whose current rule versions are effective and reviewed as stated in the mortgage country-model guide. They do not turn a calculator result into a lender assessment.
To apply these references to your own assumptions, try the mortgage calculator and review the calculation methodology.
Consumer Financial Protection Bureau (CFPB)
Supports: Definitions of principal, interest, and total monthly payment components.
How MortMe uses it: Explains P&I separately from user-provided or estimated taxes and insurance; it is not a payment quote.
Open CFPB reference →Consumer Financial Protection Bureau (CFPB)
Supports: Consumer context for payment inputs and amortization terminology.
How MortMe uses it: Informs educational explanations of inputs and amortization, not the engine’s formula or lender-specific calculation.
Open CFPB reference →Fannie Mae
Supports: DTI terminology and program-specific underwriting context.
How MortMe uses it: Informs DTI terminology only; MortMe uses user-selected assumptions and does not determine eligibility.
Open Fannie Mae guide →Fannie Mae
Supports: LTV terminology and calculation context.
How MortMe uses it: Informs LTV terminology for educational content; actual thresholds and terms can vary.
Open Fannie Mae guide →Consumer Financial Protection Bureau (CFPB)
Supports: General mortgage terminology and consumer guidance.
How MortMe uses it: Provides terminology and general context for related educational content; requirements vary by program and jurisdiction.
Open CFPB mortgage resources →Federal Reserve
Supports: General consumer context for refinancing costs and considerations.
How MortMe uses it: Provides background for educational refinance discussions, not a determination that refinancing is suitable.
Open Federal Reserve guide →Australian Securities and Investments Commission (Moneysmart)
Supports: Consumer guidance on how an offset account can reduce the balance used to calculate home-loan interest.
How MortMe uses it: Supports the description of the AU offset-balance assumption; it does not price a loan or establish redraw or LMI terms.
Open Moneysmart reference →Office of the Superintendent of Financial Institutions
Supports: Federal prudential guidance for residential mortgage underwriting practices and procedures.
How MortMe uses it: Provides regulatory context only. The engine’s qualifying-rate helper is a transparent model, not an underwriting decision.
Open OSFI Guideline B-20 →Financial Conduct Authority
Supports: FCA information for firms on mortgages and home finance.
How MortMe uses it: Supports high-level UK terminology and limitations; it does not substitute for an individual lender affordability assessment.
Open FCA reference →