{"serverId":"mcp-registry/au.com.manageyourloans/mortgage-tools","tools":[{"name":"calculate_repayments","fixed":{"name":"calculate_repayments","description":"Estimate monthly & fortnightly principal-and-interest repayments and total\n    interest for a home/personal loan scenario. Indicative only — not a quote.\n\n    Args:\n        principal: Loan amount in AUD (e.g. 500000).\n        annual_rate_pct: Annual interest rate as a percentage (e.g. 6.5).\n        term_years: Loan term in years (e.g. 30).\n    ","inputSchema":{"type":"object","title":"calculate_repaymentsArguments","required":["principal","annual_rate_pct","term_years"],"properties":{"principal":{"type":"number","title":"Principal"},"term_years":{"type":"integer","title":"Term Years"},"annual_rate_pct":{"type":"number","title":"Annual Rate Pct"}}},"annotations":{"readOnlyHint":true}},"changes":[{"kind":"annotations","detail":"Added readOnlyHint: true (inferred from the name).","verify":true}],"tokensBefore":197,"tokensAfter":197},{"name":"check_costco_eligibility","fixed":{"name":"check_costco_eligibility","description":"Check eligibility for the Costco partner service and Shop Card reward\n    (Executive membership + a settled loan). Indicative check only.\n\n    Args:\n        is_costco_member: Whether the person holds a current Costco membership.\n        membership_type: e.g. \"Executive\" or \"Gold Star\" (optional).\n    ","inputSchema":{"type":"object","title":"check_costco_eligibilityArguments","required":["is_costco_member"],"properties":{"membership_type":{"type":"string","title":"Membership Type","default":""},"is_costco_member":{"type":"boolean","title":"Is Costco Member"}}},"annotations":{"readOnlyHint":true}},"changes":[{"kind":"annotations","detail":"Added readOnlyHint: true (inferred from the name).","verify":true}],"tokensBefore":175,"tokensAfter":175},{"name":"compare_loan_types","fixed":{"name":"compare_loan_types","description":"List Manage Your Loans' loan categories with what each is for and a link.\n    Use to help a user pick which loan type fits their situation.","inputSchema":{"type":"object","title":"compare_loan_typesArguments","properties":{}},"annotations":{"readOnlyHint":true}},"changes":[{"kind":"annotations","detail":"Added readOnlyHint: true (inferred from the name).","verify":true}],"tokensBefore":76,"tokensAfter":76},{"name":"create_enquiry","fixed":{"name":"create_enquiry","description":"Submit a mortgage enquiry to Manage Your Loans on the customer's behalf so\n    a broker contacts them. ONLY call this after the person has explicitly agreed\n    to be contacted — pass consent=true. Do not invent details; ask the user.\n\n    Args:\n        firstName: Customer's first name.\n        lastName: Customer's last name.\n        email: Customer's email address.\n        phone: Australian phone number (04.., 02/03/07/08.., or 1300/1800).\n        consent: MUST be true — the customer's explicit","inputSchema":{"type":"object","title":"create_enquiryArguments","required":["firstName","lastName","email","phone","consent"],"properties":{"email":{"type":"string","title":"Email"},"phone":{"type":"string","title":"Phone"},"consent":{"type":"boolean","title":"Consent"},"message":{"type":"string","title":"Message","default":""},"isCostco":{"type":"boolean","title":"Iscostco","default":false},"lastName":{"type":"string","title":"Lastname"},"loanType":{"type":"string","title":"Loantype","default":""},"firstName":{"type":"string","title":"Firstname"},"loanAmount":{"type":"string","title":"Loanamount","default":""},"costcoMembershipNumber":{"type":"string","title":"Costcomembershipnumber","default":""}}},"annotations":{"readOnlyHint":false,"destructiveHint":false,"idempotentHint":false}},"changes":[{"kind":"annotations","detail":"Added readOnlyHint: false, destructiveHint: false, idempotentHint: false (inferred from the name).","verify":true}],"tokensBefore":351,"tokensAfter":351},{"name":"estimate_borrowing_power","fixed":{"name":"estimate_borrowing_power","description":"Estimate indicative borrowing capacity, assessed at a buffered rate (APRA\n    +3% serviceability buffer). A rough proxy for guidance — a broker models real\n    capacity across 30+ lenders. Not credit assistance.\n\n    Args:\n        annual_income: Gross annual household income in AUD.\n        monthly_expenses: Average monthly living expenses in AUD.\n        existing_monthly_debt: Existing monthly loan/card commitments in AUD.\n        interest_rate_pct: Assumed product interest rate (buffer is adde","inputSchema":{"type":"object","title":"estimate_borrowing_powerArguments","required":["annual_income","monthly_expenses"],"properties":{"deposit":{"type":"number","title":"Deposit","default":0},"term_years":{"type":"integer","title":"Term Years","default":30},"annual_income":{"type":"number","title":"Annual Income"},"monthly_expenses":{"type":"number","title":"Monthly Expenses"},"interest_rate_pct":{"type":"number","title":"Interest Rate Pct","default":6.5},"existing_monthly_debt":{"type":"number","title":"Existing Monthly Debt","default":0}}},"annotations":{"readOnlyHint":true}},"changes":[{"kind":"annotations","detail":"Added readOnlyHint: true (inferred from the name).","verify":true}],"tokensBefore":309,"tokensAfter":309},{"name":"get_rate_guidance","fixed":{"name":"get_rate_guidance","description":"Explain how Australian home-loan rates are determined and the next step.\n    Manage Your Loans does not publish live rates; a broker compares them for a\n    specific scenario.","inputSchema":{"type":"object","title":"get_rate_guidanceArguments","properties":{}},"annotations":{"readOnlyHint":true}},"changes":[{"kind":"annotations","detail":"Added readOnlyHint: true (inferred from the name).","verify":true}],"tokensBefore":86,"tokensAfter":86}],"toolsChanged":6,"tokensSaved":0,"todo":[{"tool":"calculate_repayments","params":["principal","term_years","annual_rate_pct"]},{"tool":"check_costco_eligibility","params":["membership_type","is_costco_member"]},{"tool":"create_enquiry","params":["email","phone","consent","message","isCostco","lastName","loanType","firstName","loanAmount","costcoMembershipNumber"]},{"tool":"estimate_borrowing_power","params":["deposit","term_years","annual_income","monthly_expenses","interest_rate_pct","existing_monthly_debt"]}],"note":"Deterministic fixes. Changes marked verify need a human look before shipping (renames, inferred annotations, inferred types, removed text). Parameter descriptions in `todo` need to be written by someone who knows the API."}