Mortgage & Property Finance

from curvestone import Agent

agent = Agent()

result = agent.check(
    case_type="residential_mortgage",
    depth="full_check",
    modifiers=["debt_consolidation"],
    documents=[
        open("fact_find.pdf", "rb"),
        open("suitability_letter.pdf", "rb"),
    ],
    reference="CASE-2026-00451",
)

1{
2  "id": "job_7kTx9mNpQ2",
3  "type": "check",
4  "status": "completed",
5  "triage": "amber",
6  "reference": "CASE-2026-00451",
7  "processing_time": "147s",
8  "scoring": "rag",
9  "checks": [
10    { "name": "Suitability of Advice",        "triage": "green" },
11    { "name": "Income Verification",          "triage": "green" },
12    { "name": "Affordability Assessment",     "triage": "amber" },
13    { "name": "Product Selection",            "triage": "green" },
14    { "name": "Disclosure & Consent",         "triage": "green" },
15    { "name": "Debt Consolidation Rationale", "triage": "amber" },
16    { "name": "Total Cost Comparison",        "triage": "green" }
17  ],
18  "findings": [
19    {
20      "severity": "amber",
21      "check": "Affordability Assessment",
22      "finding": "Affordability buffer is within 2% of the lender's stress-test threshold. Disposable income margin after consolidation is £127/month, below the recommended £200 buffer.",
23      "remedial_action": "Request an updated income schedule or evidence of additional income sources. Consider whether a longer term reduces monthly outgoings sufficiently."
24    },
25    {
26      "severity": "amber",
27      "check": "Debt Consolidation Rationale",
28      "finding": "The suitability letter references debt consolidation as a primary objective but does not include a total cost comparison showing the client saves money over the term of the new mortgage versus maintaining existing debts.",
29      "remedial_action": "Add a total cost comparison table to the suitability letter showing: (a) current monthly debt payments and total remaining cost, (b) new mortgage payment including consolidated debt, and (c) net saving or cost over the mortgage term."
30    }
31  ],
32  "cost": "£3.20"
33}