Terms of use
What this service is
Amortlane is software. We are the vendor: you buy the subscription from Ellul Solutions Ltd directly, and there is no third party between us. We introduce you to nobody, we sell your details to nobody, and we take no commission from anyone for sending you anywhere. We aim to keep the service available at all times and to keep your data recoverable, but we do not guarantee uninterrupted access. If we plan work that will take the service offline we tell subscribers first. You can export your clients, scenarios and schedules at any time while your subscription is active and for 90 days after it ends.
How we are paid
You pay us, and that is the whole of how this business is funded: a monthly subscription to Amortlane Pro, sold to businesses. Nothing on this site is an advertisement we are paid for, and no figure or recommendation here is influenced by a commission, because there is none: we introduce no borrower to any lender. Price, renewal date and cancellation route are shown before you pay and stated again in your account. Purchase is offered to people acting for purposes related to their trade or profession. Where a consumer nonetheless buys, the statutory cancellation and digital content rights are honoured in full rather than excluded.
Online payments. When you connect your own Stripe account and take a payment through a pay link, Amortlane charges a platform fee of 1% of that payment, in addition to Stripe's own processing fee. Stripe deducts both from the payment before it is paid out to you; Amortlane never holds your customers' money. The rate that applies is the one shown in your account on the day the pay link is created, and a change to it applies only to links created afterwards.
The free worksheets
The free worksheets on this site are provided as working calculators for brokers, loan officers and investors who produce loan schedules. Their output is arithmetic on the figures entered, using the standard amortisation formula. They do not tell you what rate a client will be offered, whether a loan is suitable for anyone, what a lender's fees add, or how a loan is taxed, and they are not a loan estimate, a disclosure, an offer of credit or financial advice.
No warranty
Nothing on this site is lending, legal, tax or financial advice, and Amortlane is not a lender, a broker or an adviser. Which loan suits a client, what a lender will offer, what the closing costs are and how the interest is treated for tax are questions for the lender, the client's adviser and the professional producing the schedule. The worksheets work the arithmetic; they publish no rate of their own and offer no credit.
Contact
Ellul Solutions Ltd. hello@amortlane.com