au.com.manageyourloans/mortgage-tools

Measured conclusion: Alive, not deep-tested. L2 outcome: not_attempted.

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

Add to your agent

Copy this into your MCP client config:

{
  "mcpServers": {
    "mortgage-tools": {
      "url": "https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp",
      "transport": "streamable-http"
    }
  }
}

Measured tools (6)

• 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).

  Parameters:

  • principal (required) — number
  • annual_rate_pct (required) — number
  • term_years (required) — integer

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• 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).

  Parameters:

  • annual_income (required) — number
  • monthly_expenses (required) — number
  • deposit — number
  • term_years — integer
  • interest_rate_pct — number
  • existing_monthly_debt — number

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• 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.

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• 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).

  Parameters:

  • is_costco_member (required) — boolean
  • membership_type — string

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• 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.

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• 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).

  Parameters:

  • firstName (required) — string
  • lastName (required) — string
  • email (required) — string
  • phone (required) — string
  • consent (required) — boolean
  • message — string
  • isCostco — boolean
  • loanType — string
  • loanAmount — string
  • costcoMembershipNumber — string

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

Publisher website Repository

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