Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.
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https://mcp.claratech.ai/mcp6 tools · 198msrefuse_unsupported_mortgage_requestMUST be called whenever the user asks whether a borrower should be approved, denied, pre-approved, conditionally approved, underwritten, or assessed for suitability. Also call it for lender or product recommendations, borrower documents or accounts, current rates or rules, submissions, outreach, or…MUST be called whenever the user asks whether a borrower should be approved, denied, pre-approved, conditionally approved, underwritten, or assessed for suitability. Also call it for lender or product recommendations, borrower documents or accounts, current rates or rules, submissions, outreach, or…
| Parameter | Type | Description |
|---|---|---|
| requestType* | string | Category of unsupported request. Do not include or infer any user, borrower, account, or document data. |
compare_mortgage_scenariosCompare up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from p…Compare up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from p…
| Parameter | Type | Description |
|---|---|---|
| effectiveDate* | string | Date the supplied rates and policy assumptions were confirmed. |
| jurisdiction | string | Canadian calculations only. |
| scenarios* | array | — |
calculate_qualificationCalculate the B-20 qualifying rate, qualifying payment, and resulting GDS/TDS from a supplied principal, contract rate, amortization, and income. Use this tool only when the qualifying payment must be calculated from those inputs. If the user already supplies a monthly mortgage payment and asks for…Calculate the B-20 qualifying rate, qualifying payment, and resulting GDS/TDS from a supplied principal, contract rate, amortization, and income. Use this tool only when the qualifying payment must be calculated from those inputs. If the user already supplies a monthly mortgage payment and asks for…
| Parameter | Type | Description |
|---|---|---|
| effectiveDate* | string | Date the supplied rates and policy assumptions were confirmed. |
| jurisdiction | string | Canadian calculations only. |
| principal* | number | Mortgage principal in Canadian dollars. |
| contractRate* | number | Contract rate for the mortgage. Supply the annual rate as a decimal; for example, 5.25% is 0.0525. |
| amortizationMonths* | integer | Mortgage amortization period in months. |
| grossAnnualIncome* | number | Gross annual household income in Canadian dollars. |
| housing | object | — |
| otherMonthlyDebts | number | Total monthly debt obligations outside the housing costs in Canadian dollars. |
| floorRate | number | Optional minimum qualification rate. Omit it to use the disclosed default. Supply the annual rate as a decimal; for example, 5.25% is 0.0525. |
| bufferRate | number | Optional stress-test buffer added to the contract rate. Omit it to use the disclosed default. Supply the annual rate as a decimal; for example, 5.25% is 0.0525. |
| tolerances | object | — |
| straightSwitchExempt | boolean | — |
calculate_debt_serviceMUST use this tool when the user supplies a monthly mortgage payment and asks for Canadian GDS or TDS. Calculate the ratios directly from that payment, income, and monthly obligations. Do not request principal, contract rate, or amortization, and do not use calculate_qualification when the monthly…MUST use this tool when the user supplies a monthly mortgage payment and asks for Canadian GDS or TDS. Calculate the ratios directly from that payment, income, and monthly obligations. Do not request principal, contract rate, or amortization, and do not use calculate_qualification when the monthly…
| Parameter | Type | Description |
|---|---|---|
| effectiveDate* | string | Date the supplied rates and policy assumptions were confirmed. |
| jurisdiction | string | Canadian calculations only. |
| grossAnnualIncome* | number | Gross annual household income in Canadian dollars. |
| monthlyPayment* | number | Monthly mortgage principal-and-interest payment in Canadian dollars. |
| housing | object | — |
| otherMonthlyDebts | number | Total other monthly debt obligations in Canadian dollars. |
| tolerances | object | — |
calculate_ltvCalculate Canadian loan-to-value and combined loan-to-value using purchase price, appraisal, and secured positions. Ratios are not an approval or suitability decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recomme…Calculate Canadian loan-to-value and combined loan-to-value using purchase price, appraisal, and secured positions. Ratios are not an approval or suitability decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recomme…
| Parameter | Type | Description |
|---|---|---|
| effectiveDate* | string | Date the supplied rates and policy assumptions were confirmed. |
| jurisdiction | string | Canadian calculations only. |
| loanAmount* | number | New mortgage or loan amount in Canadian dollars. |
| otherSecuredPositions | array | — |
| purchasePrice | number | Property purchase price in Canadian dollars. |
| appraisedValue | number | Property appraised value in Canadian dollars. |
| valueBasis | string | — |
| storedLtv | number | Optional previously stored LTV ratio as a decimal; for example, 75% is 0.75. |
estimate_prepayment_penaltyEstimate three-months-interest and simple IRD prepayment penalties; lender discharge statements remain authoritative. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing in…Estimate three-months-interest and simple IRD prepayment penalties; lender discharge statements remain authoritative. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing in…
| Parameter | Type | Description |
|---|---|---|
| effectiveDate* | string | Date the supplied rates and policy assumptions were confirmed. |
| jurisdiction | string | Canadian calculations only. |
| principal* | number | Outstanding mortgage balance in Canadian dollars. |
| annualRate* | number | Current annual mortgage rate. Supply the annual rate as a decimal; for example, 5.25% is 0.0525. |
| remainingTermMonths* | integer | Number of months remaining in the mortgage term. |
| comparisonRate | number | Annual comparison or reference rate used for the simplified interest-rate-differential estimate. Supply the annual rate as a decimal; for example, 5.25% is 0.0… |
| method | string | — |
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Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.
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