httpsEngineCreateSession
This function creates a session with a set of inputs and MyCRM user-associated data.
Request
Type: POST instructions
Path:
/httpsEngineCreateSessionURL (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 Header Authorization should contain string:
Bearer <API_KEY>
Where <API_KEY>replaced by an API keyused provided by the system..
JSON Payload
{
"$schema": "http://json-schema.org/draft-04/schema#",
"title": "Request JSON Payload",
"type": "object",
"properties": {
"MyCRM": {
"type": "object",
"properties": {
"UserID": {
"type": "string",
"description": "MyCRM User ID, used to link MRE session to MyCRM user"
}
},
"required": [
"UserID"
]
},
"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": "Numerical identifier for the Loan, typically an incremental ID starting with 1"
},
"LoanType": {
"type": "string",
"description": "Defines whether the applicant already has this loan or if it's a new loan",
"enum": [
"Existing",
"New"
]
},
"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"]
},
"LendingAction": {
"type": ["string","null"],
"description": "Defines what action the applicant wants to take on an existing loan, only set if LoanType=Existing",
"enum": [
null,
"New",
"Refinance",
"TopUp"
]
},
"LiabilityType": {
"type": "string",
"description": "The type of loan being applied for",
"enum": [
"HomeLoan"
],
"default": "HomeLoan"
},
"LoanAmount": {
"type": "number",
"description": "The amount of the loan (in $) being requested"
},
"TopUpAmount": {
"type": ["number","null"],
"description": "The amount of the 'proposed increase' to the lown (in $) being requested"
},
"TotalTermMonths": {
"type": "integer",
"description": "The new loan's overall total term (expressed in months)"
},
"InterestOnlyTermMonths": {
"type": "integer",
"description": "The new loan's optional 'Interest-Only' term (expressed in months)"
},
"Security": {
"type": "object",
"properties": {
"Value": {
"type": "number",
"description": "The value of the property (in $)"
},
"IsRBNZExempt": {
"type": "null",
"description": "Inidicates someone who is eligible for 90% lending. Default = false. [See also](https://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": false
},
"Location": {
"type": ["string","null"],
"description": "Address of the property"
},
"PropertyType": {
"type": "array",
"description": "Up to three levels of property categorisation. [0] array item is level 1, [1] is level 2, [2] is level 3. See property type table",
"items": {
"type": ["string","null"],
"enum": [
null,
"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"
]
}
},
"SecurityType": {
"type": "string",
"description": "Defines whether the Security is already owned by the Applicant or not",
"enum": ["Existing","Proposed"]
},
"UsageType": {
"type": ["string","null"],
"description": "How the property will be used - eg. 'Owner Occupied'",
"enum": [null,"OwnerOccupied", "InvestmentProperty", "OwnerOccupiedNewToBank"]
}
}
}
}
}
},
"ApplicantParty": {
"type": "array",
"description": "Array of ApplicantParty objects",
"items": {
"type": "object",
"properties": {
"Applicant": {
"type": "array",
"items": {
"type": "object",
"properties": {
"ApplicantId": {
"type": "integer",
"description": "Numerical identifier for the individual Applicant"
},
"Name": {
"type": "string",
"description": "Full name of the individual Applicant"
}
}
}
},
"NumberOfDependents": {
"type": "integer",
"description": "Number of dependents of this applicant party"
},
"NumberOfVehicles": {
"type": "integer",
"description": "Number of owned vehicles by this applicant party"
},
"Expense": {
"type": "array",
"items": {
"type": "object",
"properties": {
"ApplicantId": {
"type": "integer",
"description": "The ID of the individual applicant who the expense belongs to"
},
"ExpenseType": {
"type": "string",
"description": "The type of expense being declared - eg. 'Rental Income'",
"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": {
"type": "string",
"description": "The frequency with which the applicant pays the expense - eg. 'Weekly'",
"enum": ["Yearly", "HalfYearly", "Quarterly", "Monthly", "Fortnightly", "Weekly"]
},
"Amount": {
"type": "number",
"description": "The amount of the expense (in $)"
}
}
}
},
"Income": {
"type": "array",
"items": {
"type": "object",
"properties": {
"ApplicantId": {
"type": "integer",
"description": "The ID of the individual applicant who the income belongs to"
},
"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": {
"type": "string",
"description": "The frequency with which the applicant receives the income - eg. 'Monthly'",
"enum": ["Yearly", "HalfYearly", "Quarterly", "Monthly", "Fortnightly", "Weekly"]
},
"Amount": {
"type": "number",
"description": "The amount of the income (in $)"
}
}
}
},
"Liability": {
"type": "array",
"description": "Liabilities of this applicant party",
"items": {
"type": "object",
"properties": {
"ApplicantId": {
"type": "integer",
"description": "The ID of the individual applicant who the liability belongs to"
},
"LiabilityType": {
"type": "string",
"description": "The type of liability being declaired - eg. 'Mortgage' or 'Credit Card'",
"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",
"description": "The amount (in $) which is being regularly repaid"
},
"RepaymentFrequency": {
"type": "string",
"description": "The frequency with which the applicant pays the liability - eg. 'Weekly'",
"enum": ["Yearly", "HalfYearly", "Quarterly", "Monthly", "Fortnightly", "Weekly"]
},
"Limit": {
"type": "number",
"description": "The amount of the liability's limi (in $) - eg. the credit card limit"
},
"Balance": {
"type": "number",
"description": "The amount of the liability's balance (in $) - ie. the remaining amount owed"
},
"InterestRate": {
"type": "number",
"description": "The rate of interest being charged (in %) on the liability - eg. 0.05 (=5%)"
},
"RepaymentType": {
"type": "string",
"description": "The repayment structure - either 'Principal & Interest' (default) or 'Interest Only'"
},
"StartDate": {
"type": "string",
"format": "YYYY-MM-DD",
"description": "Start date of the loan"
},
"TotalTermMonths": {
"type": "integer",
"description": "The loan's total term in months"
},
"InterestOnlyTermMonths": {
"type": "integer",
"description": "The loan's interest only total term in months"
},
"Lender": {
"type": "string",
"description": "The [lender (bank)](https://docs.blackfin.tools/books/mortgagerecenginemycrm/page/lenders) which the liability is with/from - eg. 'Westpac'",
"enum": ["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"]
},
"IsRevolvingCredit": {
"type": "boolean",
"description": "Indicates whether the liability is a revolving credit",
"default": false
}
}
}
}
}
}
}
},
"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, Sovereign and Westpac by default",
"items": {
"type": "string",
"description": "",
"enum": [
"aia",
"anz",
"asb",
"bnz",
"co-op",
"kiwibank",
"resimac",
"sbs",
"select",
"tsb",
"westpac"
]
}
}
},
"required": [
"Details",
"MyCRM",
"Lenders"
]
}Examples
JSON Request Body
{
"MyCRM": {
"UserID": ""
},
"Details": {
"Loan": [
{
"LoanType": "New",
"Lender": null,
"LendingAction": null,
"LiabilityType": "HomeLoan",
"LoanAmount": 250000,
"TopUpAmount": null,
"TotalTermMonths": 180,
"InterestOnlyTermMonths": 180,
"Security": {
"Value": 300000,
"IsRBNZExempt": null,
"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": null,
"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": null,
"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": null,
"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": null,
"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": "All Inclusive"
}
]
},
{
"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
},
{
"Lender": null,
"Balance": null,
"Limit": null,
"InterestRate": null,
"RepaymentAmount": null,
"RepaymentFrequency": "Monthly",
"RepaymentType": null,
"TotalTermMonths": 0,
"StartDate": null,
"IsRevolvingCredit": null,
"InterestOnlyTermMonths": 0,
"ApplicantId": 1,
"LiabilityType": "HomeLoan",
"LoanId": 4
},
{
"Lender": null,
"Balance": null,
"Limit": 200000,
"InterestRate": null,
"RepaymentAmount": null,
"RepaymentFrequency": "Monthly",
"RepaymentType": null,
"TotalTermMonths": 180,
"StartDate": null,
"IsRevolvingCredit": null,
"InterestOnlyTermMonths": 0,
"ApplicantId": 1,
"LiabilityType": "HomeLoan",
"LoanId": 5
}
],
"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"
}
]
}
}
}