# Loanie

> Home loans made simple. A New Zealand mortgage and loan platform with local advisors available 24/7.

Loanie helps New Zealanders find and apply for home loans, compare mortgage rates from 30+ banks, search property values, calculate repayments, and connect with expert advisors — all in one place.

## Agent Discovery

- **MCP Manifest**: `https://loanie.co.nz/.well-known/mcp.json`
- **Skills Guide**: `https://loanie.co.nz/skills.md`
- **OpenAI Function Calling**: `https://loanie.co.nz/.well-known/openai-function-calling.json`
- **Full Documentation**: `https://loanie.co.nz/llms-full.txt`
- **AI-ready Page**: `https://loanie.co.nz/en/ai-ready`

## Key Features

- **Mortgage Rate Comparison**: Live rates from ANZ, ASB, BNZ, Westpac, Kiwibank, SBS, and 30+ NZ lenders. Updated hourly.
- **Loan Applications**: Apply for home purchase, refinance, investment, build/development, auto, home equity, personal, and business loans — no account required.
- **Property Search & Valuation**: Search NZ addresses and get estimated property values, bedrooms, bathrooms, floor/land area.
- **Repayment Calculator**: Calculate monthly, fortnightly, or weekly repayments for any loan amount, rate, and term.
- **Borrowing Capacity Calculator**: Estimate how much someone may be able to borrow from income, expenses, deposit, and a stress-test rate.
- **Break Fee Estimator**: Estimate the cost of exiting a fixed-rate mortgage early.
- **Expert Advisors**: Get matched with licensed NZ mortgage advisors for free guidance.
- **Referral Program**: Real estate agents, lawyers, and friends can refer clients via invitation codes.

## Supported Loan Types

- Home Purchase
- Refinance
- Investment Property
- Build / Development
- Auto Loan
- Home Equity
- Personal Loan
- Business Loan

## Agent Integrations

Loanie publishes three agent-readable entry points:

- **MCP**: Remote MCP server for compatible clients
- **Skills Markdown**: Workflow guidance for agents that crawl Markdown instructions first
- **OpenAI Function Calling**: Strict-mode function definitions for the OpenAI Responses API

### MCP

- **Endpoint**: `https://loanie.co.nz/api/mcp`
- **Transport**: Streamable HTTP
- **Discovery**: `https://loanie.co.nz/.well-known/mcp.json`

### OpenAI Function Calling

- **Definitions**: `https://loanie.co.nz/.well-known/openai-function-calling.json`
- **Format**: OpenAI Responses API `tools` array with `strict: true`
- **Recommended usage**: Fetch the file, pass `tools` into `client.responses.create`, and confirm intent before `submit_loan_application`

### Available MCP Tools

- `get_mortgage_rates` — Current NZ mortgage rates from major banks
- `search_addresses` — Search NZ property addresses
- `get_property_details` — Property valuation, bedrooms, bathrooms, area
- `calculate_repayment` — Mortgage repayment calculator
- `calculate_borrowing_capacity` — Borrowing-capacity estimate
- `estimate_break_fee` — Calculate early repayment break fees
- `get_invitation_info` — Look up referral/invitation codes
- `submit_loan_application` — Submit a loan application (no account needed)

## Pages

- [Home](https://loanie.co.nz): Landing page with live mortgage rates
- [Apply for a Loan](https://loanie.co.nz/onboarding): Guided loan application flow
- [Mortgage Rates](https://loanie.co.nz/rates): Compare rates across NZ banks
- [Refinancing Calculator](https://loanie.co.nz/refinance-calculator): Refinancing calculator
- [Chat with an Expert](https://loanie.co.nz/chat): Live chat with mortgage advisors
- [For Real Estate Agents](https://loanie.co.nz/why-agent): Agent partnership program
- [For Lawyers](https://loanie.co.nz/why-lawyer): Lawyer partnership program
- [Refer a Friend](https://loanie.co.nz/why-frens): Referral rewards program
- [AI Ready](https://loanie.co.nz/en/ai-ready): MCP, skills.md, and OpenAI function-calling guide
- [About](https://loanie.co.nz/resources/about): About Loanie
- [FAQ](https://loanie.co.nz/resources/faq): Frequently asked questions
- [Guides](https://loanie.co.nz/resources/guides): Home loan guides
- [Privacy Policy](https://loanie.co.nz/resources/privacy): Privacy policy
- [Terms of Service](https://loanie.co.nz/resources/tos): Terms of service
- [Skills Guide](https://loanie.co.nz/skills.md): Agent-readable workflow guide
- [Full Documentation](https://loanie.co.nz/llms-full.txt): Detailed LLM documentation

## Languages

English, Te Reo Māori, 简体中文, 繁體中文, 한국어, 日本語, Tiếng Việt, हिन्दी, ਪੰਜਾਬੀ

## Contact

- Website: https://loanie.co.nz
- General: hello@loanie.co.nz
- Support: support@loanie.co.nz
- Careers: careers@loanie.co.nz