# Mortgage Calculation API

## Introduction

The Mortgage Calculation API returns a structured JSON response with a clear mortgage assessment. It is designed for mortgage advisors, banks, and developers who need reliable mortgage calculations, quickly and consistently.

## Key features

Key aspects of the Mortgage Calculation API includes:

* **Automatic property enrichment**: when you provide an address, the API retrieves the WOZ value. This removes the need to look up the property value manually.
* **NHG 2026 compliant**: calculations follow the latest NHG standards.
* **Flexible input**: works with or without a property address. 
  * With an address: the API uses property data such as the WOZ value.
  * Without an address: the API uses the provided purchase price.
  * Without an address and purchase price: the API performs an income-based calculation and returns the maximum mortgage.