httpsEngineCreateSession
Creates a new session from provided data.
When successful, returns a SessionID which can be used to load that session in the MRE UI.
Function performs basic validation on the structure of the request payload but does not impose strict rules based on what is required for generating a report. This means, that a successfully created session does not guarantee the data is complete for actual calculation in the UI. Data is loaded on a best-effort basis in the UI and then user is required to fill in the missing bits if needed.
Request
Type: POST
Path: /httpsEngineCreateSession
URL (development): https://us-central1-mortgage-rec-engine-dev-msec.cloudfunctions.net/httpsEngineCreateSession
Request payload is sent as HTTP JSON body.
Authentication
API Key required. HTTP Bearer Token authentication is used.
JSON Payload
{
"$schema": "http://json-schema.org/draft-07/schema#",
"$defs": {
"Benefit.benefitId"Lender": {
"type": [
"string",
"null"
],
"description": "The [lender (bank)](https://docs.blackfin.tools/books/mortgagerecenginemycrm/page/lenders) which the existing loan is with/from - eg. 'Westpac' this field is only present if LoanType=Existing",
"enum": [
null,
"AbodeMortgagesLimited",
"AccessHomeLoansLimited",
"Accuro",
"AIA",
"AlliedDunbar",
"AMBL",
"AMPLifetrack",
"AMPRPP",
"ANZ",
"Argosy",
"ASAPFinanceLimited",
"ASB",
"AscendFinance",
"AssetFinanceSelect",
"AsteronLife",
"AvantiFinance",
"BankofChinaNewZealandLimited",
"BasecorpFinance",
"BasecorpFinance",
"Bluestone",
"BNZ",
"CBS",
"CFML",
"ChinaConstructionBankNewZealandLimited",
"Cigna",
"CommixGroupLimited",
"CressidaCapital",
"DBR",
"DBRLimited",
"EconomyHomeLoans",
"FamilyFinance",
"FidelityLife",
"FirstMortgageTrust",
"FreedomMortgages",
"FreedomMortgagesLtd",
"GEMoney",
"GemHomeLoans",
"GeneralFinance",
"GoldBandFinance",
"Greenwich",
"HeartlandBank",
"HeartlandBankONHOLD",
"HomeTrustMortgagesCentralWestLtd",
"HSBC",
"IndustrialandCommercialBankofChinaNewZealandLimited",
"Kiwibank",
"KMMHO",
"LibertyFinancial",
"LibertyFinancialLimited",
"MARAC",
"MetroMoneyLtd",
"MortgageNorth",
"MTF",
"MutualFinanceLimited",
"NationalBank",
"NBS",
"Neo",
"NIB",
"NZFinance",
"NZGuardianTrust",
"NZCUSouth",
"NZF",
"OriginANZ",
"Other",
"OtherLenders",
"OtherNonBankLenders",
"Oxford",
"PacificHomeLoans",
"PacificRetailFinance",
"PartnersLife",
"Pepper",
"PFS",
"PinnacleLife",
"Pioneer",
"Presto",
"PropertyEquityFinance",
"PropertyFinanceSecuritiesLimited",
"PROSPA",
"Provident",
"PublicTrust",
"RESIMAC",
"SBSBank",
"SCF",
"SelectHomeLoan",
"Simplify",
"SouthernCross",
"SouthernCross",
"SouthernCrossBuildingSociety",
"SouthernCrossFinanceLtd",
"Sovereign",
"SuperBank",
"TasmanMortgages",
"TheCooperativeBank",
"Tower",
"TrustUs",
"TSB",
"UDCFinance",
"UnitedHomeLoans",
"Unity",
"Westpac",
"WizardHomeloans",
"XEMoneyTransfer",
"ZipBusiness"
],
"default": null
},
"Frequency": {
"type": "string",
"enum": [
"Yearly",
"HalfYearly",
"Quarterly",
"Monthly",
"Fortnightly",
"Weekly"
]
},
"FrequencyOrNull": {
"type": [
"string",
"null"
],
"enum": [
null,
"Yearly",
"HalfYearly",
"Quarterly",
"Monthly",
"Fortnightly",
"Weekly"
]
}
},
"title": "Request JSON Payload",
"type": "object",
"properties": {
"Session": {
"type": "object",
"properties": {
"ExternalID": {
"type": "string",
"description": "External ID, for example a user ID to link the session to"
}
},
"required": [
"ExternalID"
]
},
"Details": {
"type": "object",
"description": "Contains details for mortgage calculation",
"properties": {
"Loan": {
"description": "Array of Loan objects",
"type": "array",
"items": {
"type": "object",
"properties": {
"LoanId": {
"type": "integer",
"description": "TheNumerical ididentifier offor the benefitLoan, totypically bean quoted"incremental ID starting with 1",
"format": "int32"
},
"Benefit.clientBenefitId": {
"type": "string",
"description": "Optional custom identifier provided by the requestor. This is returned with the result in the response.",
"nullable": true
},
"Benefit.loading": {
"type": "number",
"description": "<br /> Additional percentage loading multiplier, for example: <br /><br /> \r\n `1.0` – no additional loading <br /> \r\n `1.5` – 50% additional loading <br /> \r\n `2.0` – 100% additional loading",
"format": "double",
"default"minimum": 1
},
"Benefit.benefitProducts": {
"type": "array",
"items": {
"required": [
"productId",
"providerId"
],
"type": "object",
"properties": {
"providerId": {
"type": "integer",
"description": "The id of the provider whose product is being quoted.",
"format": "int32"
},
"productId": {
"type": "integer",
"description": "The id of the product being quoted.",
"format": "int32"
}
},
"additionalProperties": false
},
"description": "An array of one or more Product objects containing the details of the providers and products to be quoted for the current beneft."
}
},
"required": [
"clients",
"settings"
],
"type": "object",
"properties": {
"comboQuoteId": {
"type": "string",
"nullable": true,
"description": "Optional user-provided ID to indicate that the request is one of multiple requests sent to calculate a 'Combo Quote', allowing BlackFin to group these requests together for analytics purposes."
},
"clients": {
"type": "array",
"items": {
"required": [
"age",
"clientBenefits",
"employedStatus",
"gender",
"occupationId",
"smoker"
],
"type": "object",
"properties": {
"firstName": {
"type": "string",
"description": "First name of the individual to be insured",
"nullable": true
},
"lastName": {
"type": "string",
"description": "Last name of the indivual to be insured",
"nullable": true
},
"age": {
"type": "integer",
"description": "Current age of the individual to be insured",
"format": "int32"
},
"gender": {
"type": "string",
"description": "Gender of the individual to be insured: <br /><br />\r\n`F` – Female <br />\r\n`M` – Male"
},
"smoker": {
"type": "boolean",
"description": "Indicates whether the individual to be insured is a smoker: <br /><br />\r\n`false` – Non-smoker <br />\r\n`true` – Smoker <br />"
},
"employedStatus": {
"type": "string",
"description": "<br /> The employment status of the individual to be insured: <br /><br />\r\n `Employed` <br />\r\n `Self-employed` <br />\r\n `Self-employed < 3 Years` <br />\r\n `Non-earner` <br /><br />\r\n This property is not required when quoting for Health Cover, Life Cover, Family Protection, and Trauma Cover",
"default": "Employed"
},
"occupationId": {
"type": "integer",
"description": "The occupation class of the individual to be insured: <br /><br />\r\n`1` – Class 1 <br />\r\n`2` – Class 2 <br />\r\n`3` – Class 3 <br />\r\n`4` – Class 4 <br />\r\n`5` – Class 5 <br /><br />\r\nThis property is not required when quoting for Health Cover, Life Cover, Family Protection, or Trauma Cover.",
"format": "int32"
},
"isChild": {
"type": "boolean",
"description": "<br /> Inidicates whether the individual to be insured is a child / dependent: <br /><br />\r\n `false` – adult <br />\r\n `true` – child / dependent",
"default": false
},
"clientId": {
"type": "string",
"description": "Optional custom identifier provided by the requestor. This is returned with the result in the response.",
"nullable": true
},
"clientBenefits": {
"type": "array",
"items": {
"anyOf": [
{
"title": "1 – Health Cover",
"description": "benefitId=1",
"required": [
"benefitId",
"benefitProducts"
],
"properties": {
"benefitId": {
"$ref": "#/$defs/Benefit.benefitId"
},
"clientBenefitId": {
"$ref": "#/$defs/Benefit.clientBenefitId"
},
"loading": {
"$ref": "#/$defs/Benefit.loading"
},
"benefitProducts": {
"$ref": "#/$defs/Benefit.benefitProducts"
},
"excess": {
"type": "integer",
"description": "Defines the excess amount (in NZD) payable by the client under Health Cover, for example: <br /><br />\r\n`0` – nil excess <br />\r\n`250` – $250 excess <br />\r\n`500` – $500 excess etc",
"format": "int32",
"nullable": true
},
"gpPrescriptions": {
"type": "boolean",
"description": "Toggle the optional GP & Prescriptions benefit (under Health Cover) on and off : <br /><br />\r\n`false` – not included(default value) <br />\r\n`true` – include GP & Prescriptions",
"nullable": true
},
"specialistsTest": {
"type": "boolean",
"description": "<br /> Toggle the optional Specialists & Tests benefit (under Health Cover) on and off : <br /><br />\r\n `false` – not included(default value) <br />\r\n `true` – include Specialists & Tests",
"default": false,
"nullable": true
},
"specialistsTestExcess": {
"type": "integer",
"description": "Defines the excess amount (in NZD) payable by the client under the Specialists & Tests benefit, if applicable. For example: <br /><br />\r\n`0` – nil excess <br />\r\n`250` – $250 excess <br /><br />\r\nIf not provided, the primary `Excess` value will be used.",
"format": "int32",
"nullable": true
},
"dentalOptical": {
"type": "boolean",
"description": "<br /> Toggle the optional Dental & Optical benefit (under Health Cover) on and off : <br /><br />\r\n `false` – not included(default value) <br />\r\n `true` – include Dental & Optical",
"default": false,
"nullable": true
}
}
},
{
"title": "2 – Life Cover",
"type": "object",
"description": "benefitId=2",
"required": [
"benefitId",
"benefitProducts",
"calcPeriod",
"coverAmount"
],
"properties": {
"benefitId": {
"$ref": "#/$defs/Benefit.benefitId",
"const": 1
},
"clientBenefitId": {
"$ref": "#/$defs/Benefit.clientBenefitId"
},
"loading": {
"$ref": "#/$defs/Benefit.loading"
},
"benefitProducts": {
"$ref": "#/$defs/Benefit.benefitProducts"
},
"coverAmount": {
"type": "number",
"description": "Amount of cover / sum insured, in New Zealand Dollars (NZD). Value is treated as: <br />\r\n* <b>Lump Sum</b> amount for Life, Trauma, TPD <br />\r\n* <b>Annual</b> cover for Income Protection <br />\r\n* <b>Monthly</b> amount/cover for Family Protection, Mortgage, Redundancy, Special Injury",
"format": "double"
},
"calcPeriod": {
"type": "number",
"description": "<br /> The premium review term for the benefit: <br /><br />\r\n `1` – Yearly Renewable <br />\r\n `5`, `10`, `15` – Level for specified number of years <br />\r\n `50`, `60`, `65`, `70` etc – Level to specified age",
"format": "double",
"default": 1
},
"futureInsurability": {
"type": "boolean",
"description": "<br /> Toggle the optional Future Insurability benefit (under Life Cover) on and off : <br /><br />\r\n `false` – not included(default value) <br />\r\n `true` – include Future Insurability",
"default": false,
"nullable": true
},
"indexed": {
"type": "boolean",
"description": "<br /> Toggle CPI Indexation on and off: <br /><br /> \r\n `false` – no indexation <br /> \r\n `true` – apply CPI indexation",
"default": true
}
}
},
{
"title": "3 – Family Protection(Life Income)",
"type": "object",
"description": "benefitId=3",
"required": [
"benefitId",
"benefitProducts",
"benefitPeriod",
"benefitPeriodType",
"coverAmount"
],
"properties": {
"benefitId": {
"$ref": "#/$defs/Benefit.benefitId",
"const": 1
},
"clientBenefitId": {
"$ref": "#/$defs/Benefit.clientBenefitId"
},
"loading": {
"$ref": "#/$defs/Benefit.loading"
},
"benefitProducts": {
"$ref": "#/$defs/Benefit.benefitProducts"
},
"coverAmount": {
"type": "number",
"description": "Amount of cover / sum insured, in New Zealand Dollars (NZD). Value is treated as: <br />\r\n* <b>Lump Sum</b> amount for Life, Trauma, TPD <br />\r\n* <b>Annual</b> cover for Income Protection <br />\r\n* <b>Monthly</b> amount/cover for Family Protection, Mortgage, Redundancy, Special Injury",
"format": "double"
},
"benefitPeriod": {
"type": "integer",
"description": "Specifies the period of time for which the benefit will be payable – either as a specific number of years (eg. '5' years) or to a specific age (eg. age '65'). <br /><br /> See `benefitPeriodType` for definition.",
"format": "int32"
},
"benefitPeriodType"LoanType": {
"type": "string",
"description": "Defines whether the `benefitPeriod`applicant numberalready ishas expressedthis as:loan <bror /><brif />\r\n`age`it's –a new loan",
"enum": [
"Existing",
"New"
]
},
"Lender": {
"$ref": "#/$defs/Lender"
},
"LendingAction": {
"type": [
"string",
"null"
],
"description": "Defines what action the applicant wants to atake specificon agean <brexisting />\r\n`term`loan, –only aset fixedif LoanType=Existing",
"enum": [
null,
"None",
"Refinance",
"TopUp"
],
"default": null
},
"LiabilityType": {
"type": "string",
"description": "The type of loan being applied for",
"enum": [
"HomeLoan"
],
"default": "HomeLoan"
},
"LoanAmount": {
"type": [
"number",
"null"
],
"description": "The amount of the loan (in $) being requested",
"default": null
},
"TopUpAmount": {
"type": [
"number",
"null"
],
"description": "The amount of the 'proposed increase' to the loan (in $) being requested",
"default": null
},
"TotalTermMonths": {
"type": "integer",
"description": "The new loan's overall total term (specificexpressed numberin months)",
"minimum": 1
},
"InterestOnlyTermMonths": {
"type": "integer",
"description": "The new loan's optional 'Interest-Only' term (expressed in months)",
"minimum": 0,
"default": 0
},
"Security": {
"type": "object",
"description": "Security for the Loan",
"properties": {
"Value": {
"type": "number",
"description": "The value of years)the <brproperty />(in $)"
},
"indexed"IsRBNZExempt": {
"type": "boolean",
"description": "<brInidicates someone who is eligible for 90% lending. Default = false. [See also](https:/> Toggle CPI Indexation on and off: <br /><br /> \r\n `false` – no indexation <br /> \r\n `true` – apply CPI indexation"www.rbnz.govt.nz/regulation-and-supervision/banks/macro-prudential-policy/loan-to-valuation-ratio-restrictions#:~:text=Loans%20to%20people%20building%20a,occupiers%20and%20residential%20property%20investors.)",
"default": true
}
}false
},
{
"title"Location": "4 – Trauma Cover",{
"type": [
"object"string",
"null"
],
"description": "benefitId=4"Address of the property",
"required"default": [
"benefitId",
"benefitProducts",
"calcPeriod",
"coverAmount"
],
"properties": {
"benefitId": {
"$ref": "#/$defs/Benefit.benefitId",
"const": 1null
},
"clientBenefitId": {
"$ref": "#/$defs/Benefit.clientBenefitId"
},
"loading": {
"$ref": "#/$defs/Benefit.loading"
},
"benefitProducts": {
"$ref": "#/$defs/Benefit.benefitProducts"
},
"coverAmount"PropertyType": {
"type": "number"array",
"description": "AmountUp to three levels of coverproperty /categorisation. sum[0] insured,array in New Zealand Dollars (NZD). Valueitem is treatedlevel as:1, <br[1] is level 2, [2] is level 3. See [property type](https:/>\r\n*/docs.blackfin.tools/books/mortgagerecenginemycrm/page/loan-security-property-types) <b>Lump Sum</b> amount for Life, Trauma, TPD <br />\r\n* <b>Annual</b> cover for Income Protection <br />\r\n* <b>Monthly</b> amount/cover for Family Protection, Mortgage, Redundancy, Special Injury"table",
"format": "double"
},
"calcPeriod"items": {
"type": [
"number"string",
"description":null"
"<br /> The premium review term for the benefit: <br /><br />\r\n `1` – Yearly Renewable <br />\r\n `5`, `10`, `15` – Level for specified number of years <br />\r\n `50`, `60`, `65`, `70` etc – Level to specified age"],
"format"enum": [
null,
"double"ResidentialProperty",
"FreeHoldResidential",
"TerracedHousing",
"FeeSimpleCrossLease",
"UnitTitle",
"Townhouse",
"LifestyleBlock",
"0to10ha",
"over10ha",
"LeaseholdResidential",
"Apartments",
"FreeholdApartment",
"over50sqm",
"40to50sqm",
"38to40sqm",
"under38sqm",
"LeaseholdApartment",
"ServicedApartment",
"StudentAccommodation",
"BedsitterStudioWarehouseApartments",
"NewBuildConstruction",
"FixedPriceContracts",
"LabourOnlySelfOwnerBuild",
"Relocations",
"VacantLand",
"ServicedVacantLand",
"UnservicedVacantLand",
"LifestyleWithoutDwelling",
"Other",
"MultipleDwellingsOnOneTitle",
"3Dwellings",
"4Dwellings",
"5Dwellings",
"6Dwellings",
"7OrMoreDwellings"
]
},
"default": 1[]
},
"accelerated": {
"type": "boolean",
"description": "<br /> Toggle acceleration on and off for Trauma or TPD: <br /><br />\r\n `false` – standalone(default value) <br />\r\n `true` – accelerated <br /><br />\r\n Quote must also include a Life Cover benefit for the same client, in order to accelerate the Trauma or TPDs",
"default": false,
"nullable": true
},
"traumaBuyback": {
"type": "boolean",
"description": "<br /> Toggle the optional Trauma BuyBack benefit (under Trauma) on and off : <br /><br />\r\n `false` – not included(default value) <br />\r\n `true` – include Trauma BuyBack",
"default": false,
"nullable": true
},
"lifeBuyback": {
"type": "boolean",
"description": "<br /> Toggle the optional Life BuyBack benefit (under Trauma) on and off : <br /><br />\r\n `false` – not included(default value) <br />\r\n `true` – include Life BuyBack Only applicable if `accelerated = true`",
"default": false,
"nullable": true
},
"tpdAddon": {
"type": "boolean",
"description": "<br /> Toggle the optional TPD Add-On benefit (under Trauma) on and off : <br /><br />\r\n `false` – not included(default value) <br />\r\n `true` – include TPD Add-On <br /><br />\r\n The `occupationType` property is required if including the TPD Add-On",
"default": false,
"nullable": true
},
"occupationType"SecurityType": {
"type": "string",
"description": "Defines whether the TPDSecurity benefitis coversalready owned by the individual'sApplicant inabilityor to work in their current (own) occupation: <br /><br />\r\n`own` – own occupation <br />\r\n`any` – any occupation <br />"not",
"nullable"enum": true[
"Existing",
"Proposed"
]
},
"seriousTrauma"UsageType": {
"type": [
"string",
"null"
],
"description": "How the property will be used - eg. 'Owner Occupied'",
"enum": [
null,
"OwnerOccupied",
"InvestmentProperty"
],
"default": null
},
"ValuationType": {
"type": [
"string",
"null"
],
"description": "The source of the valuation of the property. (Calculation logic coming soon)",
"enum": [
null,
"CouncilValuation",
"EVal",
"FullRegisteredValuation",
"SalePurchaseAgreement"
],
"default": null
}
},
"required": [
"Value",
"SecurityType"
]
}
},
"required": [
"LoanId",
"LoanType",
"TotalTermMonths"
]
}
},
"ApplicantParty": {
"type": "boolean"array",
"description": "<brOne />or Togglemore the optional Serious Trauma benefitparties (undereg. Trauma)married oncouple) andwho offare : <br /><br />\r\n `false` – not included(default value) <br />\r\n `true` – include Serious Trauma <br /><br />\r\n The `seriousTraumaCoverAmount` is required if including the Serious Trauma benefit",
"default": false,
"nullable": true
},
"seriousTraumaCoverAmount": {
"type": "number",
"description": "Amount of cover (in New Zealand Dollars)applying for the optionalhome Serious Trauma benefit. <br />\r\nOnly required if `seriousTrauma = true`"loan",
"format": "double",
"nullable": true
},
"indexed"items": {
"type": "boolean",
"description": "<br /> Toggle CPI Indexation on and off: <br /><br /> \r\n `false` – no indexation <br /> \r\n `true` – apply CPI indexation",
"default": true
}
}
},
{
"title": "5 – Total & Permanent Disability",
"type": "object",
"properties": {
"Applicant": {
"type": "array",
"description": "benefitId=5"One or more individuals belonging to the Applicant Party",
"required"items": [{
"benefitId",type": "benefitProducts",
"calcPeriod",
"coverAmount"
]object",
"properties": {
"benefitId": {
"$ref": "#/$defs/Benefit.benefitId",
"const": 1
},
"clientBenefitId": {
"$ref": "#/$defs/Benefit.clientBenefitId"
},
"loading": {
"$ref": "#/$defs/Benefit.loading"
},
"benefitProducts": {
"$ref": "#/$defs/Benefit.benefitProducts"
},
"coverAmount"ApplicantId": {
"type": "number"integer",
"description": "AmountNumerical of cover / sum insured, in New Zealand Dollars (NZD). Value is treated as: <br />\r\n* <b>Lump Sum</b> amount for Life, Trauma, TPD <br />\r\n* <b>Annual</b> cover for Income Protection <br />\r\n* <b>Monthly</b> amount/cover for Family Protection, Mortgage, Redundancy, Special Injury",
"format": "double"
},
"calcPeriod": {
"type": "number",
"description": "<br /> The premium review termidentifier for the benefit:individual <brApplicant, /><brtypically />\r\nan `1`incremental –ID Yearlystarting Renewablewith <br />\r\n `5`, `10`, `15` – Level for specified number of years <br />\r\n `50`, `60`, `65`, `70` etc – Level to specified age"1",
"format": "double",
"default"minimum": 1
},
"accelerated": {
"type": "boolean",
"description": "<br /> Toggle acceleration on and off for Trauma or TPD: <br /><br />\r\n `false` – standalone(default value) <br />\r\n `true` – accelerated <br /><br />\r\n Quote must also include a Life Cover benefit for the same client, in order to accelerate the Trauma or TPDs",
"default": false,
"nullable": true
},
"occupationType"Name": {
"type": "string",
"description": "DefinesFull whethername of the TPDindividual benefit covers the individual's inability to work in their current (own) occupation: <br /><br />\r\n`own` – own occupation <br />\r\n`any` – any occupation <br />",
"nullable": true
},
"indexed": {
"type": "boolean",
"description": "<br /> Toggle CPI Indexation on and off: <br /><br /> \r\n `false` – no indexation <br /> \r\n `true` – apply CPI indexation",
"default": trueApplicant"
}
}
},
{
"title": "6 – Income Protection",
"type": "object",
"description": "benefitId=6",
"required": [
"benefitId",
"benefitProducts",
"benefitPeriod",
"benefitPeriodType",
"coverAmount",
"weekWaitPeriod"ApplicantId"
],
"properties": {
"benefitId": {
"$ref": "#/$defs/Benefit.benefitId",
"const": 1}
},
"clientBenefitId": {
"$ref": "#/$defs/Benefit.clientBenefitId"
},
"loading": {
"$ref": "#/$defs/Benefit.loading"
},
"benefitProducts": {
"$ref": "#/$defs/Benefit.benefitProducts"
},
"coverAmount": {
"type": "number",
"description": "Amount of cover / sum insured, in New Zealand Dollars (NZD). Value is treated as: <br />\r\n* <b>Lump Sum</b> amount for Life, Trauma, TPD <br />\r\n* <b>Annual</b> cover for Income Protection <br />\r\n* <b>Monthly</b> amount/cover for Family Protection, Mortgage, Redundancy, Special Injury",
"format": "double"
},
"benefitPeriod"NumberOfDependents": {
"type": "integer",
"description": "Specifies the periodNumber of time for which the benefit will be payable – either as a specific numberdependents of yearsthis (eg.applicant '5' years) or to a specific age (eg. age '65'). <br /><br /> See `benefitPeriodType` for definition."party",
"format"minimum": 0,
"int32"default": 0
},
"benefitPeriodType": {
"type": "string",
"description": "Defines whether the `benefitPeriod` number is expressed as: <br /><br />\r\n`age` – to a specific age <br />\r\n`term` – a fixed term (specific number of years) <br />"
},
"booster": {
"type": "boolean",
"description": "<br /> Toggle the optional Booster benefit (under Income Protection) on and off : <br /><br />\r\n `false` – not included(default value) <br />\r\n `true` – include Booster <br />",
"default": false,
"nullable": true
},
"weekWaitPeriod": {
"type": "number",
"description": "Specifies the number of weeks after which the benefit will start to be paid",
"format": "double"
},
"indexed": {
"type": "boolean",
"description": "<br /> Toggle CPI Indexation on and off: <br /><br /> \r\n `false` – no indexation <br /> \r\n `true` – apply CPI indexation",
"default": true
}
}
},
{
"title": "7 – Mortgage Repayment Cover",
"type": "object",
"description": "benefitId=7",
"required": [
"benefitId",
"benefitProducts",
"benefitPeriod",
"benefitPeriodType",
"coverAmount",
"weekWaitPeriod"
],
"properties": {
"benefitId": {
"$ref": "#/$defs/Benefit.benefitId",
"const": 1
},
"clientBenefitId": {
"$ref": "#/$defs/Benefit.clientBenefitId"
},
"loading": {
"$ref": "#/$defs/Benefit.loading"
},
"benefitProducts": {
"$ref": "#/$defs/Benefit.benefitProducts"
},
"coverAmount": {
"type": "number",
"description": "Amount of cover / sum insured, in New Zealand Dollars (NZD). Value is treated as: <br />\r\n* <b>Lump Sum</b> amount for Life, Trauma, TPD <br />\r\n* <b>Annual</b> cover for Income Protection <br />\r\n* <b>Monthly</b> amount/cover for Family Protection, Mortgage, Redundancy, Special Injury",
"format": "double"
},
"benefitPeriod"NumberOfVehicles": {
"type": "integer",
"description": "Specifies the periodNumber of timeowned forvehicles whichby thethis benefitapplicant will be payable – either as a specific number of years (eg. '5' years) or to a specific age (eg. age '65'). <br /><br /> See `benefitPeriodType` for definition."party",
"format"minimum": 0,
"int32"default": 0
},
"benefitPeriodType"Expense": {
"type": "string"array",
"description": "Defines whether the `benefitPeriod` number is expressed as: <br /><br />\r\n`age` – to a specific age <br />\r\n`term` – a fixed term (specific number of years) <br />"
},
"weekWaitPeriod": {
"type": "number",
"description": "Specifies the number of weeks after which the benefit will start to be paid",
"format": "double"
},
"indexed": {
"type": "boolean",
"description": "<br /> Toggle CPI Indexation on and off: <br /><br /> \r\n `false` – no indexation <br /> \r\n `true` – apply CPI indexation",
"default": true
}
}
},
{
"title": "8 – Redundancy Cover",
"type": "object",
"description": "benefitId=8",
"required": [
"benefitId",
"benefitProducts",
"coverAmount"
],
"properties": {
"benefitId": {
"$ref": "#/$defs/Benefit.benefitId",
"const": 1
},
"clientBenefitId": {
"$ref": "#/$defs/Benefit.clientBenefitId"
},
"loading": {
"$ref": "#/$defs/Benefit.loading"
},
"benefitProducts": {
"$ref": "#/$defs/Benefit.benefitProducts"
},
"coverAmount": {
"type": "number",
"description": "Amount of cover / sum insured, in New Zealand Dollars (NZD). Value is treated as: <br />\r\n* <b>Lump Sum</b> amount for Life, Trauma, TPD <br />\r\n* <b>Annual</b> cover for Income Protection <br />\r\n* <b>Monthly</b> amount/cover for Family Protection, Mortgage, Redundancy, Special Injury",
"format": "double"
},
"indexed": {
"type": "boolean",
"description": "<br /> Toggle CPI Indexation on and off: <br /><br /> \r\n `false` – no indexation <br /> \r\n `true` – apply CPI indexation",
"default": true
}
}
},
{
"title": "9 – Waiver of Premium",
"type": "object",
"description": "benefitId=9",
"required": [
"benefitId",
"benefitProducts",
"weekWaitPeriod"
],
"properties": {
"benefitId": {
"$ref": "#/$defs/Benefit.benefitId",
"const": 1
},
"clientBenefitId": {
"$ref": "#/$defs/Benefit.clientBenefitId"
},
"loading": {
"$ref": "#/$defs/Benefit.loading"
},
"benefitProducts": {
"$ref": "#/$defs/Benefit.benefitProducts"
},
"weekWaitPeriod": {
"type": "number",
"description": "Specifies the number of weeks after which the benefit will start to be paid",
"format": "double",
"nullable": true
}
}
},
{
"title": "10 – Special Injury",
"type": "object",
"description": "benefitId=10",
"required": [
"benefitId",
"benefitProducts",
"coverAmount"
],
"properties": {
"benefitId": {
"$ref": "#/$defs/Benefit.benefitId",
"const": 1
},
"clientBenefitId": {
"$ref": "#/$defs/Benefit.clientBenefitId"
},
"loading": {
"$ref": "#/$defs/Benefit.loading"
},
"benefitProducts": {
"$ref": "#/$defs/Benefit.benefitProducts"
},
"coverAmount": {
"type": "number",
"description": "Amount of cover / sum insured, in New Zealand Dollars (NZD). Value is treated as: <br />\r\n* <b>Lump Sum</b> amount for Life, Trauma, TPD <br />\r\n* <b>Annual</b> cover for Income Protection <br />\r\n* <b>Monthly</b> amount/cover for Family Protection, Mortgage, Redundancy, Special Injury",
"format": "double"
}
}
}
]
},
"description": "An array of oneOne or more Benefitregular objectsexpenses containingbeing declared by the detailsapplicant of the insurance benefit(s) to be quoted for the current client. Not all properties are relevant for every benefit. <br /><br />\r\nSelect each `benefitId` from the dropdown below to see the relevant properties."
}
}party",
"additionalProperties": false
},
"description": "An array of Client objects containing the details of the individuals to be insured"
},
"settings"items": {
"required": [
"paymentFrequency"
],
"type": "object",
"properties": {
"paymentFrequency"ApplicantId": {
"type": "integer",
"description": "The desiredID frequencyof forthe premiumindividual payments:applicant <brwho /><brthe />\r\n`1`expense –belongs Annually <br />\r\n`12` – Monthly <br />\r\n`26` – Fortnightly"to",
"format"minimum": "int32"1
},
"providerSettings"ExpenseType": {
"type": "string",
"description": "The type of expense being declared - eg. 'Groceries'",
"enum": [
"ChildCare",
"ChildMaintenance",
"HigherEducationAndVocationalTraining",
"OtherEducation",
"PrivateSchoolCosts",
"PublicSchoolCosts",
"Groceries",
"OtherGroceries",
"BuildingInsurance",
"ContentsInsurance",
"HealthInsurance",
"IncomeProtection",
"LifeInsurance",
"OtherInsurance",
"VehicleInsurance",
"BodyCorporateInvestmentProperty",
"BuildingInsuranceInvestmentProperty",
"CouncilRatesInvestmentProperty",
"ElectricityAndGasInvestmentProperty",
"OtherInvestmentPropertyExpense",
"RepairsAndMaintenanceInvestmentProperty",
"RunningCostsInvestmentProperty",
"WaterAndSewerInvestmentProperty",
"MedicalAndHealth",
"NaturalTherapies",
"OtherMedical",
"Board",
"OtherOngoingRent",
"Rent",
"Kiwisaver",
"Other",
"RegularDonations",
"VoluntarySaving",
"VoluntarySuper",
"ClothingAndFootwear",
"Cosmetics",
"DryCleaning",
"OtherPersonalCare",
"PersonalCare",
"BodyCorporatePrimaryResidence",
"CouncilRatesPrimaryResidence",
"ElectricityAndGasPrimaryResidence",
"FurnishingsAndElectrical",
"HomeOperation",
"HomeRepairs",
"OtherPrimaryResidenceExpense",
"WaterAndSewerPrimaryResidence",
"AlcoholTobacco",
"CinemaConcertsMemberships",
"DiningOut",
"Gambling",
"Gambling2",
"GiftsAndMiscellaneous",
"GymSports",
"OtherRecreationalAndEntertainment",
"Pets",
"TravelAndHolidays",
"ContentsInsuranceSecondaryResidence",
"BodyCorporateSecondaryResidence",
"BuildingInsuranceSecondaryResidence",
"CouncilRatesSecondaryResidence",
"ElectricityAndGasSecondaryResidence",
"OtherSecondaryResidenceExpense",
"RepairsAndMaintenanceSecondaryResidence",
"RunningCostsSecondaryResidence",
"WaterAndSewerSecondaryResidence",
"HomeMobilePhone",
"InternetPayTVAndMediaStreamingSubscriptions",
"OtherTelephoneAndInternet",
"Petrol",
"PublicTransport",
"Registration",
"TaxiRideSharing",
"TollsParking",
"VehicleMaintenance"
]
},
"Frequency": {
"$ref": "#/$defs/Frequency",
"description": "The frequency with which the applicant pays the expense - eg. 'Weekly'"
},
"Amount": {
"type": "number",
"description": "The amount of the expense (in $)"
}
},
"required": [
"ExpenseType",
"Amount",
"Frequency"
]
},
"default": []
},
"Income": {
"type": "array",
"description": "One or more incomes being declared by the Applicant Party",
"items": {
"required": [
"providerId"
],
"type": "object",
"properties": {
"providerId"ApplicantId": {
"type": "integer",
"description": "The idID of the providerindividual forapplicant which settings are being applied. <br /><br />\r\nNote: atwho the currentincome time,belongs only the provider AIA (id=11) has any applicable settings here."to",
"format"minimum": "int32"0
},
"vitalityDiscountSelected"IncomeType": {
"type": "string",
"description": "The type of income being declared - eg. 'Salary'",
"enum": [
"CarAllowance",
"Companycar",
"DisabilityAllowance",
"WorkAllowance",
"Bonus",
"Commission",
"CompanyProfitBeforeTax",
"ChildSupport",
"FamilyAllowance",
"Other",
"UnemployedAllowance",
"WidowAllowance",
"Annuities",
"Dividends",
"Interest",
"OtherIncome",
"OtherNetIncome",
"WorkersCompensation",
"RegularOvertime",
"BoarderIncome",
"RentalIncome",
"ForeignIncome",
"SalaryWages",
"PrivatePension",
"Superannuation"
]
},
"Frequency": {
"$ref": "#/$defs/Frequency",
"description": "The frequency with which the applicant receives the income - eg. 'Monthly'"
},
"Amount": {
"type": "number",
"description": "The amount of the income (in $)"
},
"Attributes": {
"type": "array",
"description": "Additional information about the income",
"items": {
"anyOf": [
{
"title": "Kiwisaver",
"type": "object",
"description": "Kiwisaver (set on SalaryWages)",
"properties": {
"name": {
"const": "Kiwisaver"
},
"value": {
"type": "boolean",
"default": false
}
}
},
{
"title": "KiwisaverContribution",
"type": "object",
"description": "ToggleKiwisaverContribution the AIA Vitality scheme membership(set on andSalaryWages, offif for all clients. Members of AIA's Vitality scheme receive a discount on their insurance premium: <br /><br />\r\n`false` – clients do not wish to join AIA Vitality <br />\r\n`true` – clients wish to join (or are already members of) AIA Vitality <br /><br />\r\n See related `vitalityFeeSelected` property below"Kiwisaver=true)",
"default"properties": false,{
"nullable"name": true{
"const": "KiwisaverContribution"
},
"vitalityFeeSelected"value": {
"type": "number",
"description": "Percentage value represented as a float - 0.06 for 6% contribution"
}
}
},
{
"title": "PropertyCountry",
"type": "object",
"description": "PropertyCountry (set on RentalIncome)",
"properties": {
"name": {
"const": "PropertyCountry"
},
"value": {
"type": "string",
"enum": [
"NZ",
"Offshore"
]
}
}
},
{
"title": "PropertyBuildDate",
"type": "object",
"description": "PropertyBuildDate (set on RentalIncome)",
"properties": {
"name": {
"const": "PropertyBuildDate"
},
"value": {
"type": "string",
"description": "Date in ISO format: YYYY-MM-DD"
}
}
},
{
"title": "SalePurchaseDate",
"type": "object",
"description": "SalePurchaseDate (set on RentalIncome)",
"properties": {
"name": {
"const": "SalePurchaseDate"
},
"value": {
"type": "string",
"description": "Date in ISO format: YYYY-MM-DD"
}
}
},
{
"title": "IsTaxExempt",
"type": "object",
"description": "IsTaxExempt (set on RentalIncome)",
"properties": {
"name": {
"const": "IsTaxExempt"
},
"value": {
"type": "boolean"
}
}
},
{
"title": "BoarderIncomeType",
"type": "object",
"description": "ToggleBoarderIncomeType the applicability of the AIA Vitality fee, based(set on whether the client(s) are already members of the scheme: <br /><br />\r\n`false` – clients are already paying AIA Vitality fee(existing members) <br />\r\n`true` – clients are not existing Vitality members, therefore the fee is applicable"BoarderIncome)",
"nullable"properties": true{
"name": {
"const": "BoarderIncomeType"
},
"value": {
"type": "string",
"enum": [
"AllInclusive",
"RoomChargeOnly"
]
}
}
}
]
}
}
},
"additionalProperties"required": false[
"ApplicantId",
"IncomeType",
"Frequency",
"Amount"
]
},
"default": []
},
"Liability": {
"type": "array",
"description": "AnOne optionalor arraymore ofexisting provider-specificliabilities settings.(debts) <brbeing /><brdeclared />\r\nNotby allthe providersapplicant have applicable settings(see below) however this may change in future.party.",
"nullable"items": true{
"type": "object",
"properties": {
"ApplicantId": {
"type": "integer",
"description": "The ID of the individual applicant who the liability belongs to. \n\nRequired when `LiabilityType` is StudentLoan."
},
"LoanId": {
"type": [
"integer",
"null"
],
"description": "The ID of the connected loan"
},
"LiabilityType": {
"type": "string",
"description": "The type of liability being declaired - eg. 'Mortgage' or 'CreditCard'",
"enum": [
"ATOCentrelinkDebt",
"ChargeCard",
"CommercialBill",
"ContingentLiability",
"CourtRuledChildMaintenance",
"CourtRuledOtherDebt",
"CreditCard",
"StudentLoan",
"HirePurchase",
"Lease",
"LineOfCredit",
"LoanAsGuarantor",
"Maintenance",
"Other",
"Loan",
"OutstandingTaxAU",
"Overdraft",
"PersonalLoan",
"CarLoan",
"StoreCard",
"Mortgage",
"HomeLoan",
"BusinessLoan",
"OutstandingTaxNZ",
"BuyNowPayLater"
]
},
"RepaymentAmount": {
"type": [
"number",
"null"
],
"description": "The amount (in $) which is being regularly repaid.\n\nRequired when `LiabilityType` is one of `BuyNowPayLater`, `StudentLoan`, `Overdraft`, `BusinessLoan`, `CarLoan`, `PersonalLoan`, `HomeLoan`, `LineOfCredit`, `LoanAsGuarantor`, `Mortgage`, or `Other`.",
"default": null
},
"RepaymentFrequency": {
"$ref": "#/$defs/FrequencyOrNull",
"description": "The frequency with which the applicant pays the liability - eg. 'Weekly'\n\nRequired when `LiabilityType` is one of `BuyNowPayLater`, `StudentLoan`, `Overdraft`, `BusinessLoan`, `CarLoan`, `PersonalLoan`, `HomeLoan`, `LineOfCredit`, `LoanAsGuarantor`, `Mortgage`, or `Other`."
},
"Limit": {
"type": [
"number",
"null"
],
"description": "The amount of the liability's limi (in $) - eg. the credit card limit.\n\nRequired when `LiabilityType` is one of `BuyNowPayLater` or `Overdraft`",
"default": null
},
"Balance": {
"type": [
"number",
"null"
],
"description": "The amount of the liability's balance (in $) - ie. the remaining amount owed.\n\nRequired when `LiabilityType` is one of `BuyNowPayLater`, `StudentLoan`, `BusinessLoan`, `CarLoan`, `PersonalLoan`, `HomeLoan`, `LineOfCredit`, `LoanAsGuarantor`, `Mortgage`, or `Other`.",
"default": null
},
"InterestRate": {
"type": [
"number",
"null"
],
"description": "The rate of interest being charged (in %) on the liability - eg. 0.05 (=5%).\n\nRequired when `LiabilityType` is one of `HomeLoan`, `LineOfCredit`, `LoanAsGuarantor`, or `Mortgage`.",
"default": null
},
"RepaymentType": {
"type": [
"string",
"null"
],
"description": "The repayment structure - either 'Principal & Interest' (default) or 'Interest Only'",
"default": null
},
"StartDate": {
"type": [
"string",
"null"
],
"format": "YYYY-MM-DD",
"description": "Start date of the loan",
"default": null
},
"TotalTermMonths": {
"type": [
"integer",
"null"
],
"description": "The loan's total term in months.\n\nRequired when `LiabilityType` is one of `HomeLoan`, `LineOfCredit`, `LoanAsGuarantor`, or `Mortgage`. ",
"default": null
},
"InterestOnlyTermMonths": {
"type": [
"integer",
"null"
],
"description": "The loan's interest only total term in months",
"default": null
},
"Lender": {
"$ref": "#/$defs/Lender"
},
"IsRevolvingCredit": {
"type": [
"boolean",
"null"
],
"description": "Indicates whether the liability is a revolving credit",
"default": false
}
},
"additionalProperties"required": false,[
"description"LiabilityType"
],
"allOf": [
{
"if": {
"properties": {
"LiabilityType": {
"const": "QuoteBuyNowPayLater"
Settings object. The settings entered here will be defined to the overall quote (ie. all clients and benefits)"}
}
},
"additionalProperties"then": false{
"required": [
"RepaymentAmount",
"RepaymentFrequency",
"Balance",
"Limit"
],
"properties": {
"RepaymentAmount": {
"type": "number"
},
"RepaymentFrequency": {
"type": "string"
},
"Balance": {
"type": "number"
},
"Limit": {
"type": "number"
}
}
}
},
{
"if": {
"properties": {
"LiabilityType": {
"const": "StudentLoan"
}
}
},
"then": {
"required": [
"ApplicantId",
"RepaymentAmount",
"RepaymentFrequency",
"Balance"
],
"properties": {
"RepaymentAmount": {
"type": "number"
},
"RepaymentFrequency": {
"type": "string"
},
"Balance": {
"type": "number"
}
}
}
},
{
"if": {
"properties": {
"LiabilityType": {
"const": "Overdraft"
}
}
},
"then": {
"required": [
"RepaymentAmount",
"RepaymentFrequency",
"Limit"
],
"properties": {
"RepaymentAmount": {
"type": "number"
},
"RepaymentFrequency": {
"type": "string"
},
"Limit": {
"type": "number"
}
}
}
},
{
"if": {
"properties": {
"LiabilityType": {
"enum": [
"BusinessLoan",
"CarLoan",
"PersonalLoan",
"Other"
]
}
}
},
"then": {
"required": [
"RepaymentAmount",
"RepaymentFrequency",
"Balance"
],
"properties": {
"RepaymentAmount": {
"type": "number"
},
"RepaymentFrequency": {
"type": "string"
},
"Balance": {
"type": "number"
}
}
}
},
{
"if": {
"properties": {
"LiabilityType": {
"enum": [
"HomeLoan",
"LineOfCredit",
"LoanAsGuarantor",
"Mortgage"
]
}
}
},
"then": {
"required": [
"RepaymentAmount",
"RepaymentFrequency",
"Balance",
"InterestRate",
"TotalTermMonths"
],
"properties": {
"RepaymentAmount": {
"type": "number"
},
"RepaymentFrequency": {
"type": "string"
},
"Balance": {
"type": "number"
},
"InterestRate": {
"type": "number"
},
"TotalTermMonths": {
"type": "integer"
}
}
}
}
]
},
"default": []
}
}
}
}
},
"required": [
"Loan",
"ApplicantParty"
]
},
"Lenders": {
"type": "array",
"description": "[Lender codes](https://docs.blackfin.tools/books/mortgagerecenginemycrm/page/lenders) to include in calculation. If no Lenders are passed (empty array), the calc will return ASB, ANZ, BNZ, AIA and Westpac by default",
"items": {
"type": "string",
"description": "",
"enum": [
"aia",
"anz",
"asb",
"bnz",
"co-op",
"kiwibank",
"resimac",
"sbs",
"select",
"tsb",
"westpac"
]
}
}
},
"required": [
"Details",
"Lenders"
]
}Examples
JSON Request Body
{
"Session": {
"ExternalID": ""
},
"Details": {
"Loan": [
{
"LoanType": "New",
"Lender": null,
"LendingAction": null,
"LiabilityType": "HomeLoan",
"LoanAmount": 250000,
"TopUpAmount": null,
"TotalTermMonths": 180,
"InterestOnlyTermMonths": 180,
"Security": {
"Value": 300000,
"IsRBNZExempt": true,
"Location": null,
"PropertyType": [
"ResidentialProperty",
"FreeHoldResidential",
null
],
"SecurityType": "Proposed",
"UsageType": "OwnerOccupied"
},
"LoanId": 1
},
{
"LoanType": "Existing",
"Lender": null,
"LendingAction": "TopUp",
"LiabilityType": "HomeLoan",
"LoanAmount": 250000,
"TopUpAmount": 50000,
"TotalTermMonths": 183,
"InterestOnlyTermMonths": 219,
"Security": {
"Value": 300000,
"isRBNZExempt": false,
"Location": null,
"PropertyType": [
"ResidentialProperty",
"FreeHoldResidential",
null
],
"SecurityType": "Existing",
"UsageType": "OwnerOccupied"
},
"LoanId": 2
},
{
"LoanType": "Existing",
"Lender": null,
"LendingAction": "Refinance",
"LiabilityType": "HomeLoan",
"LoanAmount": 260000,
"TopUpAmount": null,
"TotalTermMonths": 180,
"InterestOnlyTermMonths": 216,
"Security": {
"Value": 300000,
"isRBNZExempt": false,
"Location": null,
"PropertyType": [
"ResidentialProperty",
"FreeHoldResidential",
null
],
"SecurityType": "Proposed",
"UsageType": "OwnerOccupied"
},
"LoanId": 3
},
{
"LoanType": "Existing",
"Lender": null,
"LendingAction": "Refinance",
"LiabilityType": "HomeLoan",
"LoanAmount": 370000,
"TopUpAmount": null,
"TotalTermMonths": 144,
"InterestOnlyTermMonths": 0,
"Security": {
"Value": 410000,
"isRBNZExempt": false,
"Location": null,
"PropertyType": [
null,
null,
null
],
"SecurityType": "Proposed",
"UsageType": null
},
"LoanId": 4
},
{
"LoanType": "Existing",
"Lender": null,
"LendingAction": "TopUp",
"LiabilityType": "HomeLoan",
"LoanAmount": 200000,
"TopUpAmount": 50000,
"TotalTermMonths": 180,
"InterestOnlyTermMonths": 0,
"Security": {
"Value": 210000,
"isRBNZExempt": false,
"Location": null,
"PropertyType": [
null,
null,
null
],
"SecurityType": "Proposed",
"UsageType": null
},
"LoanId": 5
}
],
"ApplicantParty": [
{
"Applicant": [
{
"ApplicantId": 1,
"Name": "Terence"
},
{
"ApplicantId": 2,
"Name": "Eve"
}
],
"Expense": [
{
"ApplicantId": 1,
"ExpenseType": "ChildCare",
"Frequency": "Monthly",
"Amount": 300
},
{
"ApplicantId": 1,
"ExpenseType": "ChildMaintenance",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "HigherEducationAndVocationalTraining",
"Frequency": "Monthly",
"Amount": 200
},
{
"ApplicantId": 1,
"ExpenseType": "OtherEducation",
"Frequency": "Monthly",
"Amount": 100
},
{
"ApplicantId": 1,
"ExpenseType": "PrivateSchoolCosts",
"Frequency": "Monthly",
"Amount": 300
},
{
"ApplicantId": 1,
"ExpenseType": "PublicSchoolCosts",
"Frequency": "Monthly",
"Amount": 150
},
{
"ApplicantId": 1,
"ExpenseType": "Groceries",
"Frequency": "Monthly",
"Amount": 200
},
{
"ApplicantId": 1,
"ExpenseType": "OtherGroceries",
"Frequency": "Monthly",
"Amount": 150
},
{
"ApplicantId": 1,
"ExpenseType": "BodyCorporatePrimaryResidence",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "CouncilRatesPrimaryResidence",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "ElectricityAndGasPrimaryResidence",
"Frequency": "Monthly",
"Amount": 100
},
{
"ApplicantId": 1,
"ExpenseType": "FurnishingsAndElectrical",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "HomeOperation",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "HomeRepairs",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "OtherPrimaryResidenceExpense",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "WaterAndSewerPrimaryResidence",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "BuildingInsurance",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "ContentsInsurance",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "HealthInsurance",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "IncomeProtection",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "LifeInsurance",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "OtherInsurance",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "VehicleInsurance",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "BodyCorporateInvestmentProperty",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "BuildingInsuranceInvestmentProperty",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "CouncilRatesInvestmentProperty",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "ElectricityAndGasInvestmentProperty",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "OtherInvestmentPropertyExpense",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "RepairsAndMaintenanceInvestmentProperty",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "RunningCostsInvestmentProperty",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "WaterAndSewerInvestmentProperty",
"Frequency": "Monthly",
"Amount": 200
},
{
"ApplicantId": 1,
"ExpenseType": "ContentsInsuranceSecondaryResidence",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "BodyCorporateSecondaryResidence",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "BuildingInsuranceSecondaryResidence",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "CouncilRatesSecondaryResidence",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "ElectricityAndGasSecondaryResidence",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "OtherSecondaryResidenceExpense",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "RepairsAndMaintenanceSecondaryResidence",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "RunningCostsSecondaryResidence",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "WaterAndSewerSecondaryResidence",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "MedicalAndHealth",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "NaturalTherapies",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "Board",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "DryCleaning",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "AlcoholTobacco",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "CinemaConcertsMemberships",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "GymSports",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "OtherRecreationalAndEntertainment",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "Pets",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "HomeMobilePhone",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "InternetPayTVAndMediaStreamingSubscriptions",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "PublicTransport",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "Registration",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "TaxiRideSharing",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "TollsParking",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "Kiwisaver",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "RegularDonations",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "VoluntarySaving",
"Frequency": "Monthly",
"Amount": 10
},
{
"ApplicantId": 1,
"ExpenseType": "VoluntarySuper",
"Frequency": "Monthly",
"Amount": 10
}
],
"Income": [
{
"ApplicantId": 1,
"Frequency": "Yearly",
"Amount": 50000,
"AmountType": "Gross",
"IncomeType": "SalaryWages",
"Attributes": []
},
{
"ApplicantId": 1,
"Frequency": "Yearly",
"Amount": 5000,
"AmountType": null,
"IncomeType": "RentalIncome",
"Attributes": [
{
"name": "PropertyBuildDate",
"value": "2018-11-06"
},
{
"name": "PropertyCountry",
"value": "NZ"
},
{
"name": "IsTaxExempt",
"value": true
},
{
"name": "SalePurchaseDate",
"value": "2019-11-11"
}
]
},
{
"ApplicantId": 2,
"Frequency": "Yearly",
"Amount": 40000,
"AmountType": "Gross",
"IncomeType": "SalaryWages",
"Attributes": []
},
{
"ApplicantId": 2,
"Frequency": "Yearly",
"Amount": 5000,
"AmountType": null,
"IncomeType": "WorkAllowance",
"Attributes": []
},
{
"ApplicantId": 1,
"Frequency": "Yearly",
"Amount": 10000,
"AmountType": null,
"IncomeType": "Bonus",
"Attributes": []
},
{
"ApplicantId": 1,
"Frequency": "Yearly",
"Amount": 4000,
"AmountType": null,
"IncomeType": "BoarderIncome",
"Attributes": [
{
"name": "BoarderIncomeType",
"value": "AllInclusive"
}
]
},
{
"ApplicantId": 1,
"Frequency": "Yearly",
"Amount": 3000,
"AmountType": null,
"IncomeType": "CarAllowance",
"Attributes": []
},
{
"ApplicantId": 1,
"Frequency": "Yearly",
"Amount": 5000,
"AmountType": null,
"IncomeType": "FamilyAllowance",
"Attributes": []
}
],
"Liability": [
{
"ApplicantId": 1,
"LiabilityType": "HomeLoan",
"RepaymentAmount": 2000,
"RepaymentFrequency": "Monthly",
"Limit": 4000,
"Balance": 10000,
"InterestRate": 0.02,
"RepaymentType": "PrincipalInterest",
"StartDate": "2017-11-15",
"TotalTermMonths": 228,
"InterestOnlyTermMonths": 228,
"Lender": "Kiwibank",
"IsRevolvingCredit": true
},
{
"ApplicantId": 1,
"LiabilityType": "CreditCard",
"RepaymentAmount": null,
"RepaymentFrequency": null,
"Limit": 30000,
"Balance": null,
"InterestRate": null,
"RepaymentType": null,
"StartDate": null,
"TotalTermMonths": null,
"InterestOnlyTermMonths": null,
"Lender": null,
"IsRevolvingCredit": null
},
{
"ApplicantId": 1,
"LiabilityType": "PersonalLoan",
"RepaymentAmount": 2000,
"RepaymentFrequency": "Monthly",
"Limit": 4000,
"Balance": 30000,
"InterestRate": 0.02,
"RepaymentType": null,
"StartDate": "2019-11-07",
"TotalTermMonths": 220,
"InterestOnlyTermMonths": null,
"Lender": null,
"IsRevolvingCredit": true
},
{
"ApplicantId": 1,
"LiabilityType": "Other",
"RepaymentAmount": 200,
"RepaymentFrequency": "Monthly",
"Limit": 4000,
"Balance": 10000,
"InterestRate": 0.01,
"RepaymentType": null,
"StartDate": "2018-11-07",
"TotalTermMonths": 183,
"InterestOnlyTermMonths": null,
"Lender": "Kiwibank",
"IsRevolvingCredit": true
},
{
"ApplicantId": 1,
"LiabilityType": "HirePurchase",
"RepaymentAmount": 2000,
"RepaymentFrequency": "Monthly",
"Limit": null,
"Balance": 20000,
"InterestRate": null,
"RepaymentType": null,
"StartDate": null,
"TotalTermMonths": null,
"InterestOnlyTermMonths": null,
"Lender": null,
"IsRevolvingCredit": null
},
{
"ApplicantId": 1,
"LiabilityType": "Overdraft",
"RepaymentAmount": 2000,
"RepaymentFrequency": "Monthly",
"Limit": 4000,
"Balance": 20000,
"InterestRate": 0.02,
"RepaymentType": null,
"StartDate": null,
"TotalTermMonths": null,
"InterestOnlyTermMonths": null,
"Lender": null,
"IsRevolvingCredit": null
},
{
"LoanId": 2,
"Lender": null,
"Balance": 195000,
"Limit": 250000,
"InterestRate": 1,
"RepaymentAmount": 15000,
"RepaymentFrequency": "Monthly",
"RepaymentType": null,
"TotalTermMonths": 183,
"StartDate": null,
"IsRevolvingCredit": null,
"InterestOnlyTermMonths": 216,
"ApplicantId": 1,
"LiabilityType": "HomeLoan"
},
{
"Lender": null,
"Balance": 200000,
"Limit": 260000,
"InterestRate": 2,
"RepaymentAmount": 10000,
"RepaymentFrequency": "Monthly",
"RepaymentType": "PrincipalInterest",
"TotalTermMonths": 180,
"StartDate": null,
"IsRevolvingCredit": null,
"InterestOnlyTermMonths": 216,
"ApplicantId": 1,
"LiabilityType": "HomeLoan",
"LoanId": 3
}
],
"NumberOfDependents": 1,
"NumberOfVehicles": 1
}
]
},
"Lenders": []
}
Response
✅ Success
JSON Body
{
"$schema": "http://json-schema.org/draft-04/schema#",
"title": "Response JSON Body",
"type": "object",
"properties": {
"SessionID": {
"type": "string",
"description": "20 characters in length, random generated alphanumeric string, mixed case"
}
}
}Examples
Success Response
{
"SessionID": "BYWSw2DTUBuHVMW4ZdhK"
}❌ Error
JSON Body
{
"$schema": "http://json-schema.org/draft-04/schema#",
"type": "object",
"properties": {
"error": {
"type": "object",
"description": "Error information",
"properties": {
"message": {
"type": "string",
"description": "Human readable error message"
},
"status": {
"type": "string",
"description": "Error code in uppercase letters and _ as space",
"enum": ["INVALID_ARGUMENT","DEADLINE_EXCEEDED","NOT_FOUND","ALREADY_EXISTS","PERMISSION_DENIED","RESOURCE_EXHAUSTED","FAILED_PRECONDITION","ABORTED","OUT_OF_RANGE","UNIMPLEMENTED","INTERNAL","UNAVAILABLE","DATA_LOSS","UNAUTHENTICATED"]
},
"details": {
"type": "object",
"description": "Additional error details",
"properties": {
"validation_errors": {
"type": "array",
"description": "Errors thrown when validating input data",
"items": {
"type": "object",
"properties": {
"path": {
"type": "array",
"description": "An array of property keys or array offsets, indicating where inside objects or arrays the instance was found.",
"items": {
"type": "string"
}
},
"property": {
"type": "string",
"description": "Describes the property path. Starts with `instance`, and is delimited with a dot (.)."
},
"message": {
"type": "string",
"description": "A human-readable message for debugging use. Provided in English and subject to change."
},
"schema": {
"type": "object",
"description": "The schema containing the keyword that failed",
"properties": {
"type": {
"type": "string"
},
"description": {
"type": "string"
}
},
"required": ["type"]
},
"instance": {
"description": "The instance (value) that failed",
"type": ["null", "object"]
},
"name": {
"type": "string",
"description": "The keyword within the schema that failed."
},
"argument": {
"type": "array",
"description": "Provides information about the keyword that failed.",
"items": {
"type": "string"
}
},
"stack": {
"type": "string"
}
}
}
}
}
}
}
}
},
"required": ["path", "property", "message", "schema", "instance", "name", "argument", "stack"]
}Examples
Missing API Key (Status: 401)
{
"error": {
"message": "Missing API Key",
"status": "UNAUTHENTICATED"
}
}
Invalid API Key (Status: 401)
{
"error": {
"message": "Invalid API Key",
"status": "UNAUTHENTICATED"
}
}
Invalid data (Status: 400)
{
"error": {
"message": "Invalid data",
"status": "INVALID_ARGUMENT",
"details": {
"validation_errors": [
{
"path": [
"Details",
"Loan",
0,
"LoanType"
],
"property": "instance.Details.Loan[0].LoanType",
"message": "is not one of enum values: Existing,Proposed",
"schema": {
"type": "string",
"description": "Defines whether the applicant already has this loan or if it's a new loan",
"enum": [
"Existing",
"New"
]
},
"instance": "Proposed",
"name": "enum",
"argument": [
"Existing",
"Proposed"
],
"stack": "instance.Details.Loan[0].LoanType is not one of enum values: Existing,Proposed"
}
]
}
}
}