{"uid":"cap_707TWWjD2auk2DWlbNj0b","slug":"uk-mortgage-calculator-132bf310","name":"UK Mortgage Calculator","description":"Production API for UK sold prices, rental yields, and stamp duty. Paid via x402 protocol. Designed for AI agent consumption.","url":"https://property.payapi.market/mortgage-calculator?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"deposit":{"type":"number","minimum":0,"description":"Deposit in GBP."},"term_years":{"type":"integer","maximum":40,"minimum":1,"description":"Mortgage term in years. Defaults to 25."},"interest_rate":{"type":"number","description":"Annual interest rate, percent. Defaults to 4.5."},"property_price":{"type":"number","minimum":0,"description":"Property purchase price in GBP."},"is_interest_only":{"type":"boolean","description":"Interest-only vs repayment. Defaults to false (repayment)."}}},"responseSchema":{"type":"json","example":{"loan":315000,"deposit":35000,"ltv_percent":90,"property_price":350000,"total_interest":210315.5,"monthly_payment":1751.05,"total_repayment":525315.5}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.001","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.001/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.001","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.001","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_Eo4rRxt00KUzKLSn1hRRo","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.001","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates monthly repayment or interest-only mortgage payments, total interest, and LTV ratio for a UK property purchase given price, deposit, term, and interest rate.","exampleAgentPrompt":"I'm looking at a £350,000 house in the UK and I have a £35,000 deposit — can you work out what my monthly repayment mortgage would be over 25 years at a 4.5% interest rate, and tell me the total interest I'd end up paying?","exampleUseCases":[{"title":"First-time buyer affordability check","prompt":"I want to buy my first home for £280,000 in the UK and I've saved £28,000 as a deposit. Can you calculate what my monthly mortgage payments would be on a 30-year repayment mortgage at 4.8% interest, and show me the total I'd pay back overall?"},{"title":"Buy-to-let interest-only cost estimate","prompt":"I'm considering a buy-to-let investment property at £450,000 with a £135,000 deposit. What would the monthly cost be on an interest-only mortgage over 20 years at 5.2% — I need to know if the rent will cover it."},{"title":"Compare shorter vs longer mortgage term","prompt":"For a £225,000 property with a £45,000 deposit, what are the monthly repayments and total interest if I take a 15-year repayment mortgage at 4.5%? I want to see how much interest I save compared to a 25-year term."}],"resultDescription":"Returns a JSON object containing the loan amount, deposit, LTV percentage, property price, monthly payment in GBP, total interest paid over the full term, and total repayment amount. All monetary values are in GBP.","failureModes":["Missing required property_price or deposit returns a validation error","Negative deposit or property price rejected by minimum:0 constraint","term_years outside 1–40 range returns a validation error","Non-numeric values for numeric fields cause a 400 error","Service unavailability or payment failure via x402 protocol returns a 402 or 5xx error"],"whenToPreferThis":"Use this endpoint when you need to compute UK mortgage repayment figures — monthly payment, total interest, and LTV — given a specific property price, deposit, term, and rate. It is purpose-built for UK property finance scenarios and pairs naturally with sibling endpoints on the same domain for sold prices, rental yields, stamp duty, and EPC data. Prefer this over generic financial calculators when the context is a UK property purchase and you need structured JSON output ready for agent consumption.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-17T12:40:36.746Z","isFirstParty":false,"canonicalSlug":"uk-mortgage-calculator-132bf310"}