Mortgage Tools

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au.com.manageyourloans/mortgage-toolsv1.0.0 Domain verified

Australian mortgage tools: repayment & borrowing-power calculators, guidance & enquiry capture.

Finance & Payments

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calculate_repayments

Estimate monthly & fortnightly principal-and-interest repayments and total interest for a home/personal loan scenario. Indicative only — not a quote. Args: principal: Loan amount in AUD (e.g. 500000). annual_rate_pct: Annual interest rate as a percentage (e.g. 6.5). term_years: Loan term in years (e.g. 30).

principalnumber, required

term_yearsinteger, required

annual_rate_pctnumber, required

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Tools (6)

calculate_repayments

Argument	Type	Description
principal*	number
term_years*	integer
annual_rate_pct*	number

Input schema (JSON)

{
  "type": "object",
  "title": "calculate_repaymentsArguments",
  "required": [
    "principal",
    "annual_rate_pct",
    "term_years"
  ],
  "properties": {
    "principal": {
      "type": "number",
      "title": "Principal"
    },
    "term_years": {
      "type": "integer",
      "title": "Term Years"
    },
    "annual_rate_pct": {
      "type": "number",
      "title": "Annual Rate Pct"
    }
  }
}

check_costco_eligibility

Check eligibility for the Costco partner service and Shop Card reward (Executive membership + a settled loan). Indicative check only. Args: is_costco_member: Whether the person holds a current Costco membership. membership_type: e.g. "Executive" or "Gold Star" (optional).

Argument	Type	Description
membership_type	string
is_costco_member*	boolean

Input schema (JSON)

{
  "type": "object",
  "title": "check_costco_eligibilityArguments",
  "required": [
    "is_costco_member"
  ],
  "properties": {
    "membership_type": {
      "type": "string",
      "title": "Membership Type",
      "default": ""
    },
    "is_costco_member": {
      "type": "boolean",
      "title": "Is Costco Member"
    }
  }
}

compare_loan_types

List Manage Your Loans' loan categories with what each is for and a link. Use to help a user pick which loan type fits their situation.

No arguments.

Input schema (JSON)

{
  "type": "object",
  "title": "compare_loan_typesArguments",
  "properties": {}
}

create_enquiry

Submit a mortgage enquiry to Manage Your Loans on the customer's behalf so a broker contacts them. ONLY call this after the person has explicitly agreed to be contacted — pass consent=true. Do not invent details; ask the user. Args: firstName: Customer's first name. lastName: Customer's last name. email: Customer's email address. phone: Australian phone number (04.., 02/03/07/08.., or 1300/1800). consent: MUST be true — the customer's explicit agreement to be contacted. loanType: e.g. "Home Loan", "Refinance", "Investment Property" (optional). loanAmount: Approximate loan amount, free text (optional). message: Anything else the customer wants the broker to know (optional). isCostco: True if this is a Costco-member enquiry. costcoMembershipNumber: Costco membership number if provided (optional).

Argument	Type	Description
email*	string
phone*	string
consent*	boolean
message	string
isCostco	boolean
lastName*	string
loanType	string

estimate_borrowing_power

Estimate indicative borrowing capacity, assessed at a buffered rate (APRA +3% serviceability buffer). A rough proxy for guidance — a broker models real capacity across 30+ lenders. Not credit assistance. Args: annual_income: Gross annual household income in AUD. monthly_expenses: Average monthly living expenses in AUD. existing_monthly_debt: Existing monthly loan/card commitments in AUD. interest_rate_pct: Assumed product interest rate (buffer is added on top). term_years: Loan term in years. deposit: Cash deposit available in AUD (added to the purchase budget).

Argument	Type	Description
deposit	number
term_years	integer
annual_income*	number
monthly_expenses*	number
interest_rate_pct	number
existing_monthly_debt	number

Input schema (JSON)

{
  "type": "object",
  "title": "estimate_borrowing_powerArguments",
  "required": [
    "annual_income",
    "monthly_expenses"
  ],
  "properties": {
    "deposit": {
      "type": "number",
      "title": "Deposit",
      "default": 0
    },
    "term_years": {
      "type": "integer",
      "title": "Term Years",
      "default": 30
    },
    "annual_income": {
      "type": "number",
      "title": "Annual Income"
    },
    "monthly_expenses": {
      "type": "number",
      "title": "Monthly Expenses"
    },
    "interest_rate_pct": {
      "type": "number",
      "title": "Interest Rate Pct",
      "default": 6.5
    },
    "existing_monthly_debt": {
      "type": "number",
      "title": "Existing Monthly Debt",
      "default": 0
    }
  }
}

get_rate_guidance

Explain how Australian home-loan rates are determined and the next step. Manage Your Loans does not publish live rates; a broker compares them for a specific scenario.

No arguments.

Input schema (JSON)

{
  "type": "object",
  "title": "get_rate_guidanceArguments",
  "properties": {}
}