Manage Your Loans MCP

An official MCP server provided by Manage Your Loans Pty Ltd that allows AI agents to access Australian mortgage tools. It enables users to calculate loan repayments, estimate borrowing power, compare loan types, check Costco eligibility, and capture enquiries with consent.

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Vendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-07Operated by Manage Your Loans

MCP endpoint (Streamable HTTP)

https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp

Vendor documentation

What its tools do

6 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

Not annotated (6)

calculate_repayments
estimate_borrowing_power
compare_loan_types
check_costco_eligibility
get_rate_guidance
create_enquiry

6 of 6 have a description · 0 of 6 declare behavior hints · 0 of 4 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

Passed Endpoint answered the live check · Nov 7, 2026, 9:01 AM UTC
Passed Official MCP Registry namespace is tied to manageyourloans.com.au · Nov 7, 2026, 6:23 AM UTC
Availability 1 of 1 checks passed in 30 days

What you can do with it

Calculate mortgage repayments
Estimate borrowing power
Compare different loan types
Capture customer enquiries

Source and maintenance

Vendor evidenceRegistry 1.0.0

mcp-registry: au.com.manageyourloans/mortgage-tools@1.0.0 Source repository Project website

Maintenance checked: Nov 7, 2026, 6:23 AM UTC

Protocol and capabilities

Server: Manage Your Loans 1.30.0
MCP protocol negotiated in check: 2025-11-25
Tools: 6 advertised
Resources: 0 advertised
Resource templates: 0 advertised
Prompts: 0 advertised

Server-advertised capabilities

{
  "tools": {
    "listChanged": false
  },
  "prompts": {
    "listChanged": false
  },
  "resources": {
    "subscribe": false,
    "listChanged": false
  },
  "experimental": {}
}

Tools

6 advertised

calculate_repayments

Advertised by the server during the last successful anonymous check.

Estimate monthly & fortnightly principal-and-interest repayments and total interest for a home/personal loan scenario. Indicative only — not a quote. Args: principal: Loan amount in AUD (e.g. 500000). annual_rate_pct: Annual interest rate as a percentage (e.g. 6.5). term_years: Loan term in years (e.g. 30).

calculate_repayments input schema

{
  "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"
    }
  }
}

estimate_borrowing_power

Advertised by the server during the last successful anonymous check.

Estimate indicative borrowing capacity, assessed at a buffered rate (APRA +3% serviceability buffer). A rough proxy for guidance — a broker models real capacity across 30+ lenders. Not credit assistance. Args: annual_income: Gross annual household income in AUD. monthly_expenses: Average monthly living expenses in AUD. existing_monthly_debt: Existing monthly loan/card commitments in AUD. interest_rate_pct: Assumed product interest rate (buffer is added on top). term_years: Loan term in years. deposit: Cash deposit available in AUD (added to the purchase budget).

estimate_borrowing_power input schema

{
  "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
    }
  }
}

compare_loan_types

Advertised by the server during the last successful anonymous check.

List Manage Your Loans' loan categories with what each is for and a link. Use to help a user pick which loan type fits their situation.

compare_loan_types input schema

{
  "type": "object",
  "title": "compare_loan_typesArguments",
  "properties": {}
}

check_costco_eligibility

Advertised by the server during the last successful anonymous check.

Check eligibility for the Costco partner service and Shop Card reward (Executive membership + a settled loan). Indicative check only. Args: is_costco_member: Whether the person holds a current Costco membership. membership_type: e.g. "Executive" or "Gold Star" (optional).

check_costco_eligibility input schema

{
  "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"
    }
  }
}

get_rate_guidance

Advertised by the server during the last successful anonymous check.

Explain how Australian home-loan rates are determined and the next step. Manage Your Loans does not publish live rates; a broker compares them for a specific scenario.

get_rate_guidance input schema

{
  "type": "object",
  "title": "get_rate_guidanceArguments",
  "properties": {}
}

create_enquiry

Advertised by the server during the last successful anonymous check.

Submit a mortgage enquiry to Manage Your Loans on the customer's behalf so a broker contacts them. ONLY call this after the person has explicitly agreed to be contacted — pass consent=true. Do not invent details; ask the user. Args: firstName: Customer's first name. lastName: Customer's last name. email: Customer's email address. phone: Australian phone number (04.., 02/03/07/08.., or 1300/1800). consent: MUST be true — the customer's explicit agreement to be contacted. loanType: e.g. "Home Loan", "Refinance", "Investment Property" (optional). loanAmount: Approximate loan amount, free text (optional). message: Anything else the customer wants the broker to know (optional). isCostco: True if this is a Costco-member enquiry. costcoMembershipNumber: Costco membership number if provided (optional).

create_enquiry input schema

{
  "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": ""
    }
  }
}

Prompts

0 advertised

No prompt definitions available.

Resources

0 advertised

No resource definitions available.

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks: 1 of 1 (100%)
Average latency: 1186 ms
95th percentile latency: 1186 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

Nov 7, 2026, 9:01 AM UTC · probe · passed · 1186 ms · metadata changed · 6 tool(s), 0 resource(s), 0 resource template(s), 0 prompt(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http manage-your-loans-mcp https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add manage-your-loans-mcp --url https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable manage-your-loans-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "manage-your-loans-mcp": {
      "url": "https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).

Cline configuration

{
  "mcpServers": {
    "manage-your-loans-mcp": {
      "type": "streamableHttp",
      "url": "https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start manage-your-loans-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "manage-your-loans-mcp": {
      "type": "http",
      "url": "https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http manage-your-loans-mcp https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.

Claude Desktop configuration

https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "manage-your-loans-mcp": {
      "serverUrl": "https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp"
    }
  }
}

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