# mortgage-tools MCP server

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

## Links
- Registry page: https://www.getdrio.com/mcp/au-com-manageyourloans-mortgage-tools
- Repository: https://github.com/andycarey1969/manage-your-loans-frontend
- Website: https://manageyourloans.com.au

## Install
- Endpoint: https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp
- Auth: Not captured

## Setup notes
- Remote endpoint: https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp

## 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).
     Endpoint: https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp
- 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).
     Endpoint: https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp
- 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. Endpoint: https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp
- 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).
     Endpoint: https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp
- 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. Endpoint: https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp
- 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).
     Endpoint: https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp

## Resources
Not captured

## Prompts
Not captured

## Metadata
- Owner: au.com.manageyourloans
- Version: 1.0.0
- Runtime: Streamable Http
- Transports: HTTP
- License: Not captured
- Language: Not captured
- Stars: Not captured
- Updated: Jul 20, 2026
- Source: https://registry.modelcontextprotocol.io