property-mortgage-mcp

{'type': 'object', 'required': ['applicant_1'], 'properties': {'applicant_1': {'type': 'object', 'required': ['annual_net_income_gbp'], 'properties': {'cash_savings_gbp': {'type': 'number', 'minimum': 0, 'description': 'Cash and savings in pounds.'}, 'other_assets_gbp': {'type': 'number', 'minimum': 0, 'description': 'Other valuable assets (art, classic cars, jewellery, hedge fund holdings) in pounds.'}, 'pension_value_gbp': {'type': 'number', 'minimum': 0, 'description': 'Pension value (SIPP, SSAS, drawdown, workplace) in pounds.'}, 'business_loans_gbp': {'type': 'number', 'minimum': 0, 'description': 'Outstanding business loans in pounds.'}, 'business_equity_gbp': {'type': 'number', 'minimum': 0, 'description': 'Your share of business equity value in pounds.'}, 'annual_net_income_gbp': {'type': 'number', 'minimum': 0, 'description': 'Annual net income in pounds. Includes salary, bonus, RSU vesting (taxed value), dividends, partnership profits, business profits, rental income, carried interest. Net of tax.'}, 'include_pension_in_test': {'type': 'boolean', 'description': 'Whether to include pension in the GBP 3m net assets calculation. UK lenders applying MCOB 3A typically include pension. Set to false for the conservative view.'}, 'investment_portfolio_gbp': {'type': 'number', 'minimum': 0, 'description': 'Stocks, bonds, funds. Excludes pension.'}, 'investment_properties_gbp': {'type': 'number', 'minimum': 0, 'description': 'Gross value of investment properties (BTL, holiday let, etc.) in pounds.'}, 'primary_residence_value_gbp': {'type': 'number', 'minimum': 0, 'description': 'Gross value of primary residence in pounds.'}, 'material_unsecured_debts_gbp': {'type': 'number', 'minimum': 0, 'description': 'Material unsecured debts in pounds. Small consumer debt and normal overdraft buffer do not move the GBP 3m test in practice and can be left at 0.'}, 'primary_residence_mortgage_gbp': {'type': 'number', 'minimum': 0, 'description': 'Outstanding mortgage on primary residence in pounds.'}, 'investment_property_mortgages_gbp': {'type': 'number', 'minimum': 0, 'description': 'Outstanding mortgages on investment properties in pounds.'}}, 'description': 'The primary applicant.', 'additionalProperties': False}, 'applicant_2': {'type': 'object', 'required': ['annual_net_income_gbp'], 'properties': {'cash_savings_gbp': {'type': 'number', 'minimum': 0, 'description': 'Cash and savings in pounds.'}, 'other_assets_gbp': {'type': 'number', 'minimum': 0, 'description': 'Other valuable assets (art, classic cars, jewellery, hedge fund holdings) in pounds.'}, 'pension_value_gbp': {'type': 'number', 'minimum': 0, 'description': 'Pension value (SIPP, SSAS, drawdown, workplace) in pounds.'}, 'business_loans_gbp': {'type': 'number', 'minimum': 0, 'description': 'Outstanding business loans in pounds.'}, 'business_equity_gbp': {'type': 'number', 'minimum': 0, 'description': 'Your share of business equity value in pounds.'}, 'annual_net_income_gbp': {'type': 'number', 'minimum': 0, 'description': 'Annual net income in pounds. Includes salary, bonus, RSU vesting (taxed value), dividends, partnership profits, business profits, rental income, carried interest. Net of tax.'}, 'include_pension_in_test': {'type': 'boolean', 'description': 'Whether to include pension in the GBP 3m net assets calculation. UK lenders applying MCOB 3A typically include pension. Set to false for the conservative view.'}, 'investment_portfolio_gbp': {'type': 'number', 'minimum': 0, 'description': 'Stocks, bonds, funds. Excludes pension.'}, 'investment_properties_gbp': {'type': 'number', 'minimum': 0, 'description': 'Gross value of investment properties (BTL, holiday let, etc.) in pounds.'}, 'primary_residence_value_gbp': {'type': 'number', 'minimum': 0, 'description': 'Gross value of primary residence in pounds.'}, 'material_unsecured_debts_gbp': {'type': 'number', 'minimum': 0, 'description': 'Material unsecured debts in pounds. Small consumer debt and normal overdraft buffer do not move the GBP 3m test in practice and can be left at 0.'}, 'primary_residence_mortgage_gbp': {'type': 'number', 'minimum': 0, 'description': 'Outstanding mortgage on primary residence in pounds.'}, 'investment_property_mortgages_gbp': {'type': 'number', 'minimum': 0, 'description': 'Outstanding mortgages on investment properties in pounds.'}}, 'description': 'Optional. If provided, the tool runs the joint application test which returns each applicant individually plus a joint household aggregate. Most lenders apply the MCOB 3A test per individual customer.', 'additionalProperties': False}}, 'additionalProperties': False}

{'type': 'object', 'required': ['property_value_gbp'], 'properties': {'regulated': {'type': 'boolean', 'description': 'True if the bridge is secured against a property the borrower lives in or intends to live in (regulated). False for investment or commercial security (unregulated).'}, 'term_months': {'type': 'number', 'maximum': 60, 'minimum': 1, 'description': 'Loan term in months.'}, 'exit_fee_pct': {'type': 'number', 'maximum': 5, 'minimum': 0, 'description': 'Exit fee as a percentage, charged on redemption. Often 0.'}, 'admin_fees_gbp': {'type': 'number', 'minimum': 0, 'description': 'Admin and other fees in pounds.'}, 'legal_fees_gbp': {'type': 'number', 'minimum': 0, 'description': 'Lender and borrower legal fees in pounds.'}, 'net_assets_gbp': {'type': 'number', 'minimum': 0, 'description': 'Optional. Borrower net assets including main residence equity and pension, minus all debts, used for the MCOB 3A high net worth term check. GBP 3,000,000 or more passes the net assets limb.'}, 'monthly_rate_pct': {'type': 'number', 'maximum': 3, 'minimum': 0.2, 'description': 'Monthly interest rate as a percentage, for example 0.75 for 0.75% per month.'}, 'exit_fee_on_gross': {'type': 'boolean', 'description': 'Whether the exit fee is charged on the gross loan (true) or the net loan (false).'}, 'valuation_fee_gbp': {'type': 'number', 'minimum': 0, 'description': 'Valuation fee in pounds.'}, 'interest_structure': {'enum': ['rolled', 'retained', 'serviced'], 'type': 'string', 'description': "'rolled' compounds monthly and is paid at exit. 'retained' deducts the full term of interest from the advance upfront. 'serviced' is paid monthly. Retained and serviced cost the same; rolled-up costs more."}, 'property_value_gbp': {'type': 'number', 'minimum': 1, 'description': 'Open market value of the security property in pounds.'}, 'arrangement_fee_pct': {'type': 'number', 'maximum': 5, 'minimum': 0, 'description': 'Lender arrangement fee as a percentage of the loan.'}, 'additional_funds_gbp': {'type': 'number', 'minimum': 0, 'description': 'Additional cash required beyond clearing existing charges, in pounds.'}, 'existing_charges_gbp': {'type': 'number', 'minimum': 0, 'description': 'Existing mortgages or loans the bridge will repay, in pounds.'}, 'annual_net_income_gbp': {'type': 'number', 'minimum': 0, 'description': 'Optional. Borrower annual net income, used for the MCOB 3A high net worth term check. GBP 300,000 or more passes the income limb.'}, 'add_arrangement_fee_to_loan': {'type': 'boolean', 'description': 'Whether the arrangement fee is financed into the gross loan (true) or paid separately in cash (false).'}}, 'additionalProperties': False}

{'type': 'object', 'required': ['property_price_gbp'], 'properties': {'region': {'enum': ['england', 'scotland', 'wales'], 'type': 'string', 'description': "Tax region. 'england' covers England and Northern Ireland (SDLT). 'scotland' uses LBTT. 'wales' uses LTT."}, 'buyer_type': {'enum': ['standard', 'ftb', 'additional', 'nonresident', 'corporate', 'commercial'], 'type': 'string', 'description': "Buyer category. 'standard' is a main residence purchase. 'ftb' is first-time buyer (England/NI relief up to GBP 500k; Scotland FTB to GBP 175k; Wales has no FTB relief). 'additional' triggers the second-home surcharge. 'nonresident' adds the 2% non-UK resident surcharge (England/NI only). 'corporate' applies the 17% flat rate above GBP 500k (England/NI residential) or standard rates plus surcharge below threshold or in Scotland/Wales. 'commercial' uses non-residential bands."}, 'property_price_gbp': {'type': 'number', 'minimum': 0, 'description': 'Property purchase price in pounds. Example: 750000.'}}, 'additionalProperties': False}