Editorial & Corrections Policy

How pages are produced

Every rate, price, and chart on PlainMortgage is generated from documented public datasets: the Bank of England's Bank Rate series, the Bank's quoted household interest rates, and the HM Land Registry UK House Price Index. We load each dataset into a structured database and render every page from it. The figures you see are loaded or computed directly from those sources — not hand-typed and not estimated by us.

This is a data-publishing model: one reviewed template renders each page type so coverage is consistent. We are transparent that pages are produced programmatically from the source data rather than written one at a time. The editorial work goes into the pipeline — how data is sourced and computed — into the methodology, and into the written guides.

Sourcing standards

• Official sources only. Rates come from the Bank of England; house prices from HM Land Registry. Both publish under the Open Government Licence v3.0. We do not use private best-buy aggregators or scraped comparison tables.
• Attribution in context. Each data page names its dataset and vintage near the figures and links to the methodology.
• Derived values are labelled. Numbers we compute — monthly payments, income-needed, affordability bands — are presented as our calculation, distinct from the published source figures.
• No invented data. Where a value is unavailable, the page says so rather than filling the gap with an estimate.

Update cadence

The Bank of England updates Bank Rate after each Monetary Policy Committee decision and publishes quoted mortgage rates monthly; HM Land Registry publishes its House Price Index monthly, roughly two months in arrears. We refresh the database on each release and recompute the derived figures. The data vintage shown on each page tells you which release it is based on.

Corrections process

If a figure looks wrong, please tell us. Because pages are generated from the official datasets, a genuine error almost always traces to the source data or our processing of it:

1. Report. Use the contact page with the URL and the number that looks off.
2. Verify. We compare the figure against the Bank of England or HM Land Registry published data.
3. Fix at the source. If the value is wrong on our side, we correct it in the database and pipeline — not just one page — so every affected page is fixed at once. If it faithfully reflects the source, we explain that and add context where useful.

We aim to acknowledge data-error reports within a few business days.

Independence & affiliation

PlainMortgage is an independent project. It is not affiliated with, endorsed by, or operated by the Bank of England or HM Land Registry, and it is not a regulated mortgage broker. We present official public data in a more usable form and link back to the original sources throughout.