# ClearRate

> Free, no-signup mortgage payment and home-affordability calculators for the United States, Canada, the United Kingdom, and Australia. Everything is calculated in the browser — no accounts, no data collection, no lead forms.

## What ClearRate does
- Estimates monthly mortgage payments (principal + interest + property tax/council tax + insurance + HOA/strata).
- Applies country-specific mechanics: US property-tax %, Canada CMHC insurance (real published premium schedule), UK Council Tax, Australia LMI flagging.
- Gives a plain-language affordability read using the standard 28/36 debt-to-income guideline.
- Uses real per-US-state effective property-tax rates so each state page shows genuinely different numbers.

## Key pages
- Home / US calculator: https://clearratecalc.com/
- United States by state: https://clearratecalc.com/mortgage-calculator/us
- Canada by province: https://clearratecalc.com/mortgage-calculator/ca
- United Kingdom by nation: https://clearratecalc.com/mortgage-calculator/uk
- Australia by state/territory: https://clearratecalc.com/mortgage-calculator/au
- About: https://clearratecalc.com/about
- Privacy policy: https://clearratecalc.com/privacy-policy

## Rate sources
- US: Freddie Mac PMMS 30-year fixed (via FRED MORTGAGE30US).
- Canada: Bank of Canada conventional 5-year mortgage rate (Valet API).
- UK / Australia: indicative figures — users are told to edit to their own quote.

## Notes
- ClearRate is not a lender, broker, or financial advisor. Figures are estimates for informational purposes only.