Last updated 9 July 2026 · a plain-language summary of the terms for using Kotio.
By using Kotio you agree to the points below. We've kept them short and readable.
Kotio is a tool for tracking and understanding your mortgage and property finances. It shows data and AI-generated insight to help you think. It is not regulated financial, mortgage, tax or investment advice, and Kotio is not authorised or regulated by the Financial Conduct Authority to provide such advice. Always consult a qualified, FCA-authorised adviser before making a mortgage or investment decision.
Valuations, yields, forecasts, rate outlooks and market comparisons are estimates based on the information you enter and public data. They may not reflect an offer, valuation or return you would actually receive. Check anything important before acting on it.
The briefing, chat and rate outlook are generated by an AI model (Anthropic's Claude) and are labelled as such. AI can be wrong or incomplete — treat its output as a starting point to sanity-check, not a recommendation.
We aim to keep Kotio running smoothly but can't guarantee uninterrupted availability, and we may change or discontinue features. We'll update these terms as the product matures.