{"uid":"cap_o3wmGJNSU-v-Me87MlpaD","slug":"oromi-uk-property-mortgage-context-calculator-57c7c587","name":"Oromi UK Property Mortgage Context Calculator","description":"Machine-payable APIs for AI agents, paid per call in USDC via the x402 protocol: UK business data (Companies House), UK property market data (HM Land Registry), website agent-readiness audits, and crypto market context.","url":"https://agents.oromi.co.uk/api/uk-property/mortgage-context","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","required":["price","rate"],"properties":{"rate":{"type":"string","description":"Annual interest rate %"},"price":{"type":"string","description":"Property price GBP"},"years":{"type":"string","description":"Term in years (default 25)"},"deposit":{"type":"string","description":"Deposit GBP"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"ltv_pct":90,"monthly_payment":1500.63,"stress_test_plus_3pct":{"monthly_payment":1966.5}}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.005","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":"$0.005/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.005","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.005","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_g_vTAZpFM279bcYjmaSpU","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.005","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates UK mortgage metrics including LTV ratio, monthly payment, and a stress-tested payment at +3% interest rate for a given property price, deposit, rate, and term","exampleAgentPrompt":"Can you work out the monthly mortgage payment and LTV on a £350,000 UK property with a £50,000 deposit at 4.5% annual interest over 25 years, and also show me what the payment would look like if rates went up by 3%?","exampleUseCases":[{"title":"First-time buyer affordability check","prompt":"I'm looking at a £280,000 flat in Manchester and I have a £28,000 deposit saved up. At a 5.2% interest rate over 25 years, what would my monthly payments be, and what would they jump to if rates rose by 3%?"},{"title":"Buy-to-let investment stress test","prompt":"I want to buy a rental property for £500,000 with a £150,000 deposit at 4.8% interest on a 20-year mortgage — can you calculate the monthly payments and stress-test them at +3% to see if the rental income would still cover it?"},{"title":"Remortgage comparison for existing homeowner","prompt":"My house is worth £425,000 and I still owe £300,000 — if I remortgage at 4.1% over 15 years, what would the monthly payments be, what's my current LTV, and what would payments look like if rates climbed another 3%?"}],"resultDescription":"Returns a JSON object with the loan-to-value percentage (ltv_pct), the monthly mortgage repayment in GBP (monthly_payment), and a stress_test_plus_3pct object containing the projected monthly payment if the interest rate increases by 3 percentage points.","failureModes":["Missing required query parameters (price or rate) returns a 400 or validation error","Non-numeric or malformed parameter values cause computation failure","Payment via x402 not completed or insufficient USDC balance returns 402 Payment Required","Extremely short term or zero deposit may produce edge-case results"],"whenToPreferThis":"Choose this endpoint when you need UK-specific mortgage calculations including a regulatory-style stress test at +3% interest rate — particularly useful for affordability analysis, buy-to-let due diligence, or first-time buyer planning. It is machine-payable per call in USDC via x402, making it suitable for autonomous agent workflows without API key management. Prefer it over generic mortgage calculators when you specifically need the built-in stress-test output in a single API response.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:47:31.634Z","isFirstParty":false}