Output interpretation

An explanation and interpretation of every feature outputted in the API response.

Field	Example	Explanation
postcode	9636AA	Zipcode if provided
housenumber	5	House number
houseaddition	A	Addition to the house number
max_mortgage_amount	180000.0	Maximum borrowable after applying NHG caps and property value
max_mortgage_by_income	197000.0	Maximum borrowable based on income alone before any property caps
principal	180000.0	Final loan amount after deducting down payment
monthly_payment_gross	828.51	Monthly mortgage payment before tax benefit
monthly_payment_net	620.05	Monthly payment after mortgage interest deduction
total_interest_paid	118263.37	Total interest paid over the full loan term
total_costs	304063.37	All-in costs: principal + interest + transfer tax + notary + appraisal
transfer_tax	3600.0	Transfer tax due on purchase
transfer_tax_rate_used	0.02	Transfer tax rate applied (0 or 0.02)
affordability_ratio	0.2486	Monthly gross payment as a fraction of monthly gross income
nhg_compliance	True	Whether the loan qualifies for NHG
rate_used	3.7	Annual interest rate used for calculations
loan_term_years	30	Effective loan term used in years
mortgage_type	annuity	Mortgage schedule used: annuity or linear
single_bonus_applied	17000.0	Single-applicant income bonus applied
debt_deduction_applied	0.0	Total debt reduction applied to max mortgage
data_enrichment_status	fallback	Data source used for market value
woz_latest	150000.0	Most recent WOZ value if found in database
woz_latest_year	2024	Year of the most recent WOZ value
market_value_used	180000.0	Actual market value used in the calculation
market_value_note	purchase_price used — no WOZ found	Explanation of which market value source was used and why
evaluation_date	20260331	Date on which the calculation was performed in YYYYMMDD format