Ratehub Mortgage

Use this to fetch HELOC (Home Equity Line of Credit) mortgage rates from Ratehub based on the information provided by the user. Use this when the user wants to take a line of credit against the equity in their home. Do not call this tool if it is not clear that the user is looking for mortgage rates (e.g. if they only say "rates" or "interest rates"). Do not provide your own default values for any inputs. If the user provides a value, use that. Otherwise, prompt the user for the value if it is required, or use the default value in the schema if it is optional. Do not prompt the user for an optional value. All monetary values should be in Canadian dollars, do not allow USD or any other currency. Location (city/province) is NOT required. If it is not provided by the user, default to Ontario instead of prompting the user for it. Do not include any URLs in the response messaging about the rates.

get_heloc_rates

Use this to fetch mortgage rates from Ratehub based on the information provided by the user. Use this when the user has purchased a home or when the user does not specify the kind of mortgage transaction. Do not call this tool if it is not clear that the user is looking for mortgage rates (e.g. if they only say "rates" or "interest rates"). Do not provide your own default values for any inputs. If the user provides a value, use that. Otherwise, prompt the user for the value if it is required, or use the default value in the schema if it is optional. Do not prompt the user for an optional value. All monetary values should be in Canadian dollars, do not allow USD or any other currency. Location (city/province) is NOT required. If it is not provided by the user, default to Ontario instead of prompting the user for it. Do not include any URLs in the response messaging about the rates.

get_purchase_rates

Use this to fetch refinance mortgage rates from Ratehub based on the information provided by the user. Use this when the user wants to break and replace their existing mortgage. Do not call this tool if it is not clear that the user is looking for mortgage rates (e.g. if they only say "rates" or "interest rates"). Do not provide your own default values for any inputs. If the user provides a value, use that. Otherwise, prompt the user for the value if it is required, or use the default value in the schema if it is optional. Do not prompt the user for an optional value. All monetary values should be in Canadian dollars, do not allow USD or any other currency. Location (city/province) is NOT required. If it is not provided by the user, default to Ontario instead of prompting the user for it. Do not include any URLs in the response messaging about the rates.

get_refinance_rates

Use this to fetch renewal mortgage rates from Ratehub based on the information provided by the user. Use this when the user wants to renew or extend their existing mortgage. Do not call this tool if it is not clear that the user is looking for mortgage rates (e.g. if they only say "rates" or "interest rates"). Do not provide your own default values for any inputs. If the user provides a value, use that. Otherwise, prompt the user for the value if it is required, or use the default value in the schema if it is optional. Do not prompt the user for an optional value. All monetary values should be in Canadian dollars, do not allow USD or any other currency. Location (city/province) is NOT required. If it is not provided by the user, default to Ontario instead of prompting the user for it. Do not include any URLs in the response messaging about the rates.

get_renewal_rates