Loanie publishes a public `mcp.json` manifest and a remote MCP server, so your assistant can work with NZ mortgage rates, property data, repayment maths, break-fee estimates, referral codes, and loan applications from one connection.
Manifest
`/.well-known/mcp.json`
Use the well-known manifest when your client supports remote MCP import.
Transport
streamable-http
Connect directly to https://loanie.co.nz/api/mcp when your client wants the raw server URL.
Coverage
Rates, property, applications
The published toolset covers discovery, calculations, referrals, and application submission.
Agent-readable assets
Use the MCP manifest when your client supports remote MCP import. Use skills.md when an agent crawls Markdown guidance first. Use the OpenAI function-calling file when you want a ready-to-fetch tools array for the Responses API.
For clients that can import a remote MCP server, including tool metadata and safety guidance.
Best for
MCP clients and remote tool import
For agents that read Markdown instructions first and need workflow-level guidance before calling tools.
Best for
Codex, markdown-first agents, workflow orchestrators
For OpenAI Responses API integrations that want to fetch the published tools array and call functions directly.
Best for
OpenAI agents, app-side orchestrators, server integrations
Tool coverage
The manifest at `public/.well-known/mcp.json` advertises a mortgage workflow that is already structured for agent use, not just content retrieval.
Compare current NZ mortgage rates across major banks without scraping lender websites by hand.
Search addresses, resolve property IDs, and fetch valuation ranges, bedrooms, bathrooms, land area, and images.
Calculate weekly, fortnightly, and monthly repayments from principal, rate, and term.
Estimate how much a borrower may be able to borrow using income, expenses, deposit, and a stress-test rate.
Estimate early repayment costs for fixed-rate mortgages with NZ bank-specific inputs.
Look up invitation codes and submit loan applications directly to Loanie with only the minimum required details.
How to connect
Use the well-known manifest URL if your MCP client supports remote manifest import. That file tells your agent where Loanie lives and what it can do.
If your tool asks for a raw MCP endpoint instead of a manifest, connect directly to the Loanie server over streamable HTTP.
Once connected, your assistant can compare rates, search properties, estimate repayments, calculate break fees, resolve invitation codes, and submit applications.
Loanie returns tool results as text that contains a JSON string. If you are building your own client, parse that text field before using the data.
Manifest preview
If your MCP client shows raw configuration instead of a UI import flow, these are the important fields.
{
"mcpServers": {
"loanie": {
"url": "https://loanie.co.nz/api/mcp",
"displayName": "Loanie - NZ Mortgage & Loan Platform",
"transport": "streamable-http",
"capabilities": { "tools": true },
"docs": {
"skills": "https://loanie.co.nz/skills.md",
"functionCalling": "https://loanie.co.nz/.well-known/openai-function-calling.json"
}
}
}
}Developer note
Loanie's MCP responses are returned as text containing a JSON string. Parse `content[0].text` before you use the result in your own app or orchestration layer.
OpenAI function calling
The published JSON follows the OpenAI function-calling guide, enables strict mode on every definition, and converts optional inputs into strict-compatible nullable fields.
import OpenAI from "openai";
const openai = new OpenAI({ apiKey: process.env.OPENAI_API_KEY });
const { tools } = await fetch("https://loanie.co.nz/.well-known/openai-function-calling.json").then((res) => res.json());
const response = await openai.responses.create({
model: "gpt-5.4",
input: "Compare current 1-year special NZ mortgage rates.",
tools,
tool_choice: "auto",
parallel_tool_calls: false,
});skills.md
skills.md adds task-level instructions on when to research first, when to confirm user intent, and which actions create a real Loanie application.
# Loanie Agent Skills
## Preferred discovery endpoints
- MCP: https://loanie.co.nz/.well-known/mcp.json
- OpenAI: https://loanie.co.nz/.well-known/openai-function-calling.json
## Skills
- Compare NZ mortgage rates
- Search properties and fetch details
- Calculate repayments and borrowing capacity
- Estimate break fees
- Check invitation codes
- Submit loan applications with confirmationAll three assets describe the same Loanie workflows: rates, property search, calculators, referral checks, and loan-application handoff.
Prompt ideas
Guardrails
Do not request or transmit internet banking credentials.
Collect only the minimum personal details needed for loan applications: full name, email, phone optional, property address, property value, deposit, and referral code.
Avoid government ID numbers, CVVs, or bank passwords. Those are explicitly disallowed in the published policy.
Best practice
Use AI to compress admin and surface options quickly, then hand the customer off to the appropriate Loanie workflow for actual application handling and advisor follow-up.