AU Home Loan Calculator

Record one actionable product-feedback observation about the AU Home Loan Calculator operation being performed: an error, confusing explanation, unnecessary step, capability mismatch, suggestion, unexpected result or notable success. Describe the calculator issue or improvement in your own words. A qualifying observation may come from the user's message or a calculator tool result; do not collect unrelated conversation or general user behavior. For a qualifying observation, call this tool before answering without asking a separate permission question. After a successful receipt, fully answer the original request and briefly disclose the specific observation recorded in the same reply. Do not claim feedback was recorded if submission failed. Skip routine successes, expected empty results, session opening or closing and duplicates. Do not record after the user objects. Exclude identity, personal or financial details, credentials, surrounding conversation and raw calculator inputs or results. No conversation or identity context is automatically attached. Feedback is retained indefinitely by the application operator in Google Cloud Firestore; model instructions do not guarantee arbitrary free-form text contains no private information.

submit-feedback

Record anonymous categorical feedback only after the user clearly says the calculator was helpful, unclear, unexpected, missing a capability, or had a technical problem. Tell the user in the same reply that you are recording the category anonymously. Never invoke silently, at session opening or closing, or as an unsolicited survey. If the user objects before the call, do not invoke it. If they object after a call, do not invoke it again in that session. Record no comment text, identity, conversation details, or financial values.

record_home_loan_calculator_feedback

Recalculate Australian home-loan borrowing power when the user supplies or changes partner income, debts, credit-card limits, HECS/HELP, dependants, expenses, rates, or loan term. It returns updated borrowing capacity, assumptions, rates, repayment estimates, commitments, monthly surplus, change from the prior result, and the next refinement question. Include every known financial value and previousMaxLoan from the prior result on re-calls. Use result.refine to ask one next question. Retain denied details as 0 or false; do not re-call when the value is unchanged. A conceptual explanation does not need a calculator call.

borrowing_power

Estimate Australian home-loan borrowing power from gross annual income in AUD. Use for salary-only questions such as 'How much can I borrow?' or 'I earn A$145,000 a year. Roughly how much home loan could I get?'. Gross annual income is sufficient; defaults apply to missing details. It returns borrowing capacity, assumptions, assessment and current rates, repayment estimates, monthly surplus, and the next refinement question.

start_australian_home_loan_borrowing_power