Output interpretation
An explanation and interpretation of every feature outputted in the API response.
postcode
9636AA
Zipcode
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
3.6
Annual interest rate used for calculations
rate_fetched_from
dnb
Source from wehich the interest rate was retrieved.
effective_rate_used
3.6
Effective rate after any adjustments; may equal rate_used if no adjustment was applied
loan_term_years
30
Effective loan term used in years
mortgage_type
annuity
Mortgage schedule used: annuity or linear
dsti_ratio_used
0.253
Debt service-to-income ratio applied in the calculation
table_type_used
non_aow_box1
Table used for calculation
single_bonus_applied
17000.0
Single-applicant income bonus applied
energy_label_bonus
0.0
Bonus applied for energy label
renovation_bonus
0.0
Bonus applied for planned renovation
debt_deduction_applied
0.0
Total debt reduction applied to max mortgage
data_enrichment_status
fallback
Data source used for market value
Enrichment data
Contains the results of the data enrichment lookup for the given address.
found
true
Whether enrichment data was found for given property
woz_latest
378000.0
Most recent WOZ value found in the database
woz_latest_year
2024
Year of the most recent WOZ value
energy_label
F
Energy label of the property
Metadata
Internal calculation parameters and derived values used in the computation.
table_type
non_aow_box1
Income/tax table applied
dsti_ratio_used
0.253
Debt service-to-income ratio applied
effective_rate_used
3.66
Effective interest rate used after any adjustments
nhg_price_limit
470000
NHG purchase price limit at time of calculation
nhg_mortgage_cap
450000.0
NHG maximum mortgage amount at time of calculation
energy_label_bonus
0.0
Energy label bonus applied
renovation_bonus
0.0
Renovation bonus applied
single_bonus_applied
17000.0
Single-applicant bonus applied
mortgage_interest_deduction_rate
0.3748
Tax deduction rate applied for net payment calculation
notary_cost
1500.0
Notary cost included in total costs
appraisal_cost
700.0
Appraisal cost included in total costs
market_value_source
woz
Source used for market value: wow or purchase_price
market_value_used
378000.0
Actual market value used in the calculation
market_value_note
WOZ used — no purchase_price provided
Explanation of which market value source was used and why
evaluation_date
20260331
Date on which the calculation was performed (format: YYYYMMDD)
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