# au.com.manageyourloans/mortgage-tools

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

- name: au.com.manageyourloans/mortgage-tools
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 89/100
- quality: 79/100 (good)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/au.com.manageyourloans%2Fmortgage-tools
- tools: https://api.protogrid.dev/v1/servers/au.com.manageyourloans%2Fmortgage-tools/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

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


## Trust

- hygiene: 100
- liveness: 100
- freshness: 65
- provenance: 85
- drivers: +repository +dns-namespace +website +reachable +uptime-100% ~updated-93d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 79/100 (good)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 71 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- fail `tools.annotations`: no tool declares readOnlyHint or destructiveHint, so clients cannot tell safe calls from risky ones
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: estimate_borrowing_power (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); check_costco_eligibility (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); create_enquiry (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); …
- pass `tools.token_cost`: about 1,139 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: 100 (weight 15)

- pass `stability.changes`: no tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 6, about 1,139 tokens to load them all
- tool set hash: 301b9ed12c77d1a00cc54893883fa69b
- badge: [![protogrid quality](https://protogrid.dev/badge/au.com.manageyourloans/mortgage-tools.svg)](https://protogrid.dev/servers/au.com.manageyourloans/mortgage-tools)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

- https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## 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).
    
- `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).
    
- `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.
- `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).
    
- `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).
    
- `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.