1. Acceptance of Terms

By accessing or using canweaffordit.com.au ("the Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site. These Terms constitute a legally binding agreement between you and Can We Afford It? ("we", "us", "our"), governed by the laws of New South Wales, Australia.

2. General Information Only, Not Financial or Tax Advice

All content on the Site, including calculators, suburb data, articles, and tool outputs, is provided for general information purposes only. Nothing on this Site constitutes:

Financial product advice within the meaning of the Corporations Act 2001 (Cth)
Tax advice within the meaning of the Tax Agent Services Act 2009 (Cth)
Legal advice
A recommendation to buy, sell, or hold any property or financial product

We do not hold an Australian Financial Services Licence (AFSL) and are not registered as a tax agent with the Tax Practitioners Board. You must seek advice from a licensed financial adviser, registered tax agent, or qualified legal professional before making any property, mortgage, investment, or tax decision.

3. Calculator and Data Accuracy

Property and rental data: Suburb median prices and rents are indicative estimates sourced from publicly available datasets (including ABS Census data and published real estate indices). They are not valuations and may not reflect current market conditions. Median figures represent the midpoint of a dataset, individual properties within a suburb will vary significantly.

Tax calculations: Our tax calculators use ATO-published 2026–27 income tax rates, Medicare levy rates, and CGT discount rules. Results are illustrative only. Your actual tax liability depends on your complete individual circumstances, including income from all sources, applicable deductions, prior-year losses, and any relevant ATO rulings. Always verify calculations with a registered tax agent.

Stamp duty calculations: Stamp duty estimates are based on publicly available state and territory rate schedules and first home buyer concession thresholds. Exact duty is determined by the relevant state revenue office. Concession eligibility depends on individual circumstances including income thresholds and property type.

Repayment and affordability calculations: Repayment figures use standard principal-and-interest formulas and the interest rate you enter. They do not account for lender serviceability buffers (typically 3% above the quoted rate), loan fees, lender's mortgage insurance (LMI), or offset account balances. Lender approval criteria differ from calculator outputs.

4. Referral Fee Disclosure

The Site contains links to third-party businesses including mortgage brokers, buyer's agents, conveyancers, property managers, and other service providers. We may earn a referral fee or commission when you engage with these third parties. This commercial relationship does not affect our calculator results, suburb data, or editorial content. Our recommendations are based on publicly available information and user relevance, not payment.

Referral fees are a standard practice in the mortgage broking and real estate services industry and are disclosed here in accordance with our obligations as an operator of a referral website.

5. External Links

The Site contains links to external websites operated by third parties. These links are provided for convenience only. We do not endorse, control, or accept responsibility for the content, privacy practices, or accuracy of any linked external site. Accessing external sites is at your own risk.

6. Intellectual Property

All content, design elements, code, branding, and materials on the Site are owned by or licensed to Can We Afford It? and are protected by Australian and international copyright and intellectual property laws. You may not reproduce, modify, distribute, or republish any content from the Site without our prior written permission.

7. Limitation of Liability

To the maximum extent permitted by law (including the Australian Consumer Law in Schedule 2 of the Competition and Consumer Act 2010 (Cth)), we exclude all liability for:

Any loss or damage arising from your reliance on calculator outputs, suburb data, or any other content on the Site
Financial decisions made on the basis of information provided on the Site
Errors, omissions, or inaccuracies in the data displayed
Interruption or unavailability of the Site

Where liability cannot be excluded under applicable law, our liability is limited to the maximum extent permitted by that law.

8. No Warranties

The Site is provided on an "as is" and "as available" basis without any warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be error-free, uninterrupted, or free of viruses or other harmful components.

9. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will take effect immediately upon publication on the Site. The "Last updated" date at the top of this page will reflect the date of the most recent change. Continued use of the Site after changes are published constitutes your acceptance of the updated Terms.

10. Governing Law and Jurisdiction

These Terms are governed by the laws of New South Wales, Australia. Any disputes arising under or in connection with these Terms will be subject to the exclusive jurisdiction of the courts of New South Wales, Australia.

11. Contact

For any questions regarding these Terms, contact us at:
support@canweaffordit.com.au

For privacy-related enquiries, see our Privacy Policy.