Cashew Mortgages

Recommend mortgage packages

Rank Singapore mortgage packages for a borrower. Returns up to 3 LLM-ranked picks with per-package reasoning, the 3 lowest-rate options, and a lookup of full package details. Core inputs (gather these first; ask the borrower if missing — do not guess): `dealKind` (PURCHASE | REFINANCE); `currentBankId` (required only for REFINANCE — use `list_banks` to resolve the lender name into its UUID); `propertyType` (HDB | PRIVATE | COMMERCIAL); `propertyStatus`; `loanAmount`. `propertyStatus` depends o

Compare mortgage packages

Compare 2–3 SPECIFIC mortgage packages side by side: average rate over the lock-in, benchmark index, effective rate and monthly instalment per year, interest paid per year, and flexibility terms (prepayment, free conversion, sale waiver, penalties, minimum loan). Pass `packageIds` from `recommend_packages`, plus `loanAmount` and optionally `tenureYears` (default 25). `dealKind`/`propertyType`/`propertyStatus` only label the report header. Pass `formats: ["pdf"]` to also render the one-page comp

List banks

List active banks (id + name), sorted by name. Use this to map a borrower's current lender name to the `currentBankId` UUID required by `recommend_packages` for refinance deals.

Get indicative property valuation

Indicative SPML valuation for a Singapore unit. Requires postal code and unit number in FF-SS format (e.g. "04-02"). propertyType ("Condo" or "HDB") and areaSqft are optional — when propertyType is omitted, both types are probed and the one that values the unit is used (`propertyTypeUsed` in the result tells you which). A `valued: false` result means SPML could not value the unit — that is a valid answer, not an error.

Calculate package payment schedule

Compute the amortisation schedule for a SPECIFIC mortgage package using that package's real effective rates. Use this once the borrower has picked a package from `recommend_packages`; for a hypothetical "what-if" rate the borrower does not yet hold a package for, use `calculate_mortgage_repayment` instead. Pass a `packageId` from `recommend_packages`, plus `loanAmount` and `tenureYears`. Always returns the full canonical schedule: loan facts (`context`), the per-tier breakdown (`periods`), rate

List market indices

List market benchmark indices (id, slug, name, currency), sorted by slug. Use this to resolve a benchmark name like 'SORA' into the `marketIndexId` required by `get_index_quotes`.

Get market index quotes

Return historical quotes (rate by date) for a market benchmark index such as SORA. Requires `marketIndexId` — use `list_market_indices` to resolve a benchmark name/slug into its UUID. Optional `startDate`/`endDate` (ISO dates) narrow the range; results are paginated. Quote `rate` values are decimal fractions (0.0356 = 3.56% p.a.).

Affordability calculator

Estimate the maximum loan and property price a borrower can afford from income, existing debt commitments and tenure, applying Singapore TDSR/MSR limits. Use this when you know the income and want the budget; to go the other way (a target price → the income needed), use `calculate_required_income`.

Required-income calculator (reverse affordability)

Work out the gross monthly income needed to support a target property price under Singapore TDSR/MSR limits. Use this when you know the target property price; to go the other way (income → maximum budget), use `calculate_affordability`.

Mortgage repayment calculator

Compute the monthly repayment, total interest and total cost for a hypothetical loan from an interest rate you supply (standard amortisation). Use this for "what-if" rates; for the real rates of a specific package the borrower has chosen, use `calculate_package_schedule` instead.

Refinance savings calculator

Compare a borrower's existing mortgage against a new rate and report monthly savings, total savings and break-even months. Set `mode` to 'original' (supply the original loan amount, tenure and start date) or 'remaining' (supply the current outstanding balance and remaining tenure).

Residential stamp duty (BSD + ABSD)

Compute Buyer's Stamp Duty (BSD) and Additional Buyer's Stamp Duty (ABSD) for a Singapore residential purchase, given price/value, buyer type (singaporean | pr | foreigner | entity | trust) and the number of residential properties already owned.

Rental stamp duty

Compute the stamp duty payable on a property lease from the rent and lease term.

Mortgage stamp duty

Compute the stamp duty payable on a mortgage/loan facility.

Seller's Stamp Duty (SSD)

Compute Seller's Stamp Duty (SSD) from the sale price/value and how long the property has been held.

Sell-one-buy-two analysis

Analyse a 'sell one, buy two' restructuring: the costs, loan sizing and stamp-duty impact of selling one property to purchase two.

Eligibility checker (TDSR / MSR)

Run the regulatory affordability gate for up to four borrowers. Given each borrower's income, rental, pledged/unpledged assets and liabilities plus a proposed loan, returns the qualifying income (after MAS haircuts), the TDSR and MSR for the proposed loan, the income-weighted average age (IWAA), and the maximum loan under both HDB/EC and private property rules. Use this upstream of `recommend_packages` to confirm what a borrower can qualify for.

Decoupling analysis

Analyse decoupling: the cost versus benefit of transferring one co-owner's share so a borrower is freed up for another purchase (including stamp duty).

Sales proceeds calculator

Work out what a seller walks away with when selling a property: cash proceeds after redeeming the outstanding loan, refunding each owner’s CPF (principal plus accrued interest, 1 to 4 owners), and paying agent commission (with 9% GST), legal and miscellaneous fees. Flags a negative sale when the deductions exceed the selling price.

Purchase cost & funding breakdown

Calculate the full upfront cost of purchasing a Singapore residential property (HDB or private resale), with each cost line attributed to its funding source (cash, CPF or bank loan). Returns option fee, exercise fee, stamp duties (BSD and ABSD), downpayment breakdown, and a sufficiency check against available funds.

HDB resale purchase timeline

Generate a step-by-step dated timeline for an HDB resale purchase, from securing the Option to Purchase through to completion and key collection. Each step shows what happens, the date, and any payment due.

Private resale purchase timeline

Generate a step-by-step dated timeline for a private (non-HDB) resale purchase, with the 1% option fee, 4% exercise payment, stamp duties and completion payment at the right steps. Exercise date defaults to 14 calendar days inclusive of the option date if not entered.

Progressive payment (BUC) calculator

Model the monthly instalment profile of a Singapore Building Under Construction (BUC) property loan across progressive payment stages. Handles fixed and floating rate packages, per-stage cash/CPF/loan funding split, drawdown timing, rate stepping by year, and optional prepayments. Set includeSchedule to true for the full month-by-month amortisation schedule (summary is always included).