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The inputs this calculator takes (with units, ranges and defaults), the outputs it returns, and the assumptions and tables behind it.

{
  "type": "object",
  "properties": {},
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Run the Pub mortgage calculator calculator: All-in interest rate; Monthly payment, capital and interest; Monthly payment, interest only; Arrangement fee. Missing inputs fall back to their documented defaults.

{
  "type": "object",
  "properties": {
    "loan": {
      "type": "number",
      "description": "Loan amount",
      "default": 500000
    },
    "margin": {
      "type": "number",
      "description": "Margin over Bank Rate (%)",
      "default": 3
    },
    "term": {
      "type": "number",
      "description": "Term in years",
      "default": 20
    },
    "arrFeePct": {
      "type": "number",
      "description": "Arrangement fee (% of loan)",
      "default": 1.5
    },
    "otherFees": {
      "type": "number",
      "description": "Valuation, legal and broker fees",
      "default": 0
    },
    "fmt": {
      "type": "number",
      "description": "Annual net profit before rent and finance (FMT)",
      "default": 90000
    },
    "multiple": {
      "type": "number",
      "description": "Going concern multiple applied to FMT",
      "default": 5
    },
    "bricks": {
      "type": "number",
      "description": "Bricks and mortar value if it stopped trading",
      "default": 300000
    }
  },
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Read first. States plainly what submit_enquiry does on Pub Mortgage Calculator: it starts an enquiry with human providers who quote directly. Nothing is bought, ordered or paid; no quote is guaranteed; it is free. Also returns who receives the details, the consent wording, and how the person confirms.

{
  "type": "object",
  "properties": {},
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Every field of the Pub Mortgage Calculator enquiry: key, label, type, whether required, help text and the allowed options where there are any. Pass answers to submit_enquiry keyed by field key.

{
  "type": "object",
  "properties": {},
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Submits an enquiry to Pub Mortgage Calculator — NOT a purchase, NOT a guaranteed quote. Step 1: call with the answers (keyed by field key from enquiry_fields) and consent=true; it validates and returns a summary, the consent line and a confirmation token — show the person the summary and the consent line. Step 2: only if the person agrees, call again with the same answers, consent=true and the confirmation token; the enquiry is then submitted, and the person receives an email with a link they must click before any provider sees it. Consent means the person has read and agreed to: "Send my contact details to up to three commercial mortgage and business finance brokers, chosen by Pub Mortgage Calculator, who'll contact me directly. I'll be emailed each firm's name as my details go to it, and can stop any more firms getting them."

{
  "type": "object",
  "properties": {
    "answers": {
      "type": "object",
      "additionalProperties": {
        "type": [
          "string",
          "number",
          "boolean"
        ]
      },
      "description": "the person's answers, keyed by field key"
    },
    "consent": {
      "type": "boolean",
      "description": "true only when the person has agreed to: Send my contact details to up to three commercial mortgage and business finance brokers, chosen by Pub Mortgage Calculator, who'll contact me directly. I'll be emailed each firm's name as my details go to it, and can stop any more firms getting them."
    },
    "confirmation": {
      "type": "string",
      "description": "the confirmation token from step 1, after the person has approved the summary"
    }
  },
  "required": [
    "answers",
    "consent"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}