mortgage-tools

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).

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

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).

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

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.

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

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).

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

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.

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

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).

{
  "type": "object",
  "properties": {
    "firstName": {
      "title": "Firstname",
      "type": "string"
    },
    "lastName": {
      "title": "Lastname",
      "type": "string"
    },
    "email": {
      "title": "Email",
      "type": "string"
    },
    "phone": {
      "title": "Phone",
      "type": "string"
    },
    "consent": {
      "title": "Consent",
      "type": "boolean"
    },
    "loanType": {
      "default": "",
      "title": "Loantype",
      "type": "string"
    },
    "loanAmount": {
      "default": "",
      "title": "Loanamount",
      "type": "string"
    },
    "message": {
      "default": "",
      "title": "Message",
      "type": "string"
    },
    "isCostco": {
      "default": false,
      "title": "Iscostco",
      "type": "boolean"
    },
    "costcoMembershipNumber": {
      "default": "",
      "title": "Costcomembershipnumber",
      "type": "string"
    }
  },
  "required": [
    "firstName",
    "lastName",
    "email",
    "phone",
    "consent"
  ],
  "title": "create_enquiryArguments"
}