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These terms govern your use of the Orbitalevault website. They were updated on 28 October 2026. They are governed by the law of England and Wales.
You may read the notes, share a link, and use the worksheet for your own private study. You may not treat the site as advice, scrape it into a product, or present our illustrations as your track record. If that is acceptable, the longer terms are the detail.
Orbitalevault publishes general information about residential cash flow in the United Kingdom. It is not personal advice, not a recommendation to buy, sell, let, or finance any property, and not an invitation or inducement to engage in investment activity. We are not authorised by the Financial Conduct Authority. Figures labelled as illustrations are invented or assumed so the arithmetic can be shown in full. They are not forecasts, valuations, or statements of past performance.
Tax, stamp duty, licensing, lending criteria, and housing law change. A note can be out of date by the afternoon. You are responsible for checking the current position with a qualified solicitor, tax adviser, and mortgage adviser before you rely on anything you read here. Using the site does not create a client relationship, a duty of care, or an agreement that we will underwrite a purchase for you.
The calculator on the method page runs in your browser. We do not receive the numbers you type. Results depend on your inputs and on the stamp duty bands coded into the page, which are a simplification of the England and Northern Ireland residential rules. The worksheet ignores reliefs, the non-resident surcharge, multiple dwellings, linked transactions, and the taxes used in Scotland and Wales. Do not file a return from it.
The text, layout, and photographs on this site are owned by Orbitalevault or used with permission. You may quote a short passage with a link to the page. You may not copy a full note, a ledger, or a set of photographs into another site, a model, or a training set without written consent from [email protected]. Trademarks of lenders, portals, and public bodies remain theirs. Mentioning a statute or a city is not an affiliation.
Do not misuse the site, attempt to break it, send unlawful or malicious email to the desk, or pretend that a message from you is a message from us. Do not rely on the telephone number or the address to send material we did not ask for.
The site is provided as published. We take care with the sums and we still make mistakes. To the extent the law allows, we exclude liability for loss of profit, loss of rent, tax liabilities, and decisions you take after reading a note. We do not exclude liability for death or personal injury caused by negligence, or for fraud, or for any other liability that English law does not allow us to exclude. If you are a consumer, you have rights that these terms cannot take away.
Questions about these terms: [email protected], +44 7457733296, 49 Coniston Rd, London N17 0EX, UK. We may update the terms by publishing a new version on this page. The date at the top of the section will move with the text. If you keep using the site after that date, you are reading the new terms.
Courts of England and Wales have exclusive jurisdiction, except that a consumer living elsewhere in the United Kingdom may have the right to bring a claim in their home courts.