au.com.manageyourloans/mortgage-tools

repo:https://github.com/andycarey1969/manage-your-loans-frontend

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

transport:: remote
credential class:: self-provisionable
repo:: https://github.com/andycarey1969/manage-your-loans-frontend

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Tools

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).
shallow
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).
shallow
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.
shallow
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).
shallow
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).
shallow
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.
shallow

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