# Oromi UK Property Mortgage Context Calculator

> Oromi UK Property Mortgage Context Calculator is a paid API for AI agents from agents.oromi.co.uk, paid per call via x402, $0.005/call, status unknown (last checked 2026-09-14).

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

## Facts

- Endpoint: GET https://agents.oromi.co.uk/api/uk-property/mortgage-context
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/oromi-uk-property-mortgage-context-calculator-57c7c587
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_o3wmGJNSU-v-Me87MlpaD

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability oromi-uk-property-mortgage-context-calculator-57c7c587
```

Example prompt: 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%?

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

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.

## Output

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.

## Request schema (JSON Schema)

```json
{
 "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"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "ltv_pct": 90,
  "monthly_payment": 1500.63,
  "stress_test_plus_3pct": {
   "monthly_payment": 1966.5
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/oromi-uk-property-mortgage-context-calculator-57c7c587/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from agents.oromi.co.uk](https://www.zero.xyz/host/agents.oromi.co.uk/llms.txt)