Editorial Policy | Smart Finance Tools

Smart Finance Tools is committed to producing accurate, unbiased, and easy-to-understand financial information. All content is written or reviewed by specialists with real-world experience in lending, affordability modelling, and consumer finance.

We never publish content that is autogenerated without review. Every calculator, guide, and article is checked for clarity, correctness, and relevance to UK consumers.

Our Editorial Standards

Accuracy Checks

All calculations are tested against industry-standard formulas and verified for mathematical precision. We use established financial models including compound interest, amortisation schedules, and APR calculations.

Editorial Review

Content is reviewed by a finance specialist with over 15 years of experience in lending, credit modelling, and affordability analysis. All articles and guides are checked for clarity and alignment with UK financial principles.

Calculation Verification

Every calculator undergoes thorough testing with edge cases, real-world scenarios, and boundary conditions to ensure reliable results across all inputs.

Regular Updates

We review and update our content when market conditions change, new regulations are introduced, or financial products evolve. Our calculators reflect current UK lending practices.

Clear Disclaimers

All calculators include transparent disclaimers about assumptions, limitations, and the illustrative nature of results. We clearly state when calculations are estimates and should not be considered financial advice.

Expertise and Experience

Our content is reviewed by a finance specialist with extensive experience in:

Lending and credit risk assessment
Affordability modelling and repayment analysis
Consumer finance products and regulations
Financial planning and debt management
UK banking and lending practices

Commitment to Transparency

We believe in full transparency about how our calculators work and the assumptions behind each calculation. You can learn more about our calculation methodology on our Calculator Methodology page.

Important Disclaimer

The calculators and information provided on Smart Finance Tools are for educational and illustrative purposes only. They should not be considered financial advice. Always consult with a qualified financial adviser or lender before making financial decisions. Actual loan terms, rates, and conditions may vary based on individual circumstances, lender policies, and market conditions.

Questions or Feedback?

If you have questions about our editorial process or feedback about our content, please contact us. We value your input and continuously work to improve the quality and accuracy of our tools.