{
  "openapi": "3.1.0",
  "info": { "title": "MortgageExplained data", "version": "1.0.0", "description": "Free machine-readable UK mortgage reference data from MortgageExplained (operated by Muswell Rose Consulting Limited). Information only, not financial advice." },
  "servers": [{ "url": "https://mortgageexplained.co.uk" }],
  "paths": {
    "/api/lender-criteria.json": { "get": { "summary": "Indicative UK lender-acceptance by borrower scenario", "description": "Which borrower scenarios (self-employed, contractor, adverse credit, BTL, etc.) are typically accepted, by mainstream vs specialist lenders, at what LTV, and what evidence is needed. Indicative reference framing, not a named lender's policy.", "responses": { "200": { "description": "Lender Criteria Index dataset (JSON)" } } } },
    "/api/house-prices.json": { "get": { "summary": "Average UK house price by region", "description": "Average house price, annual and monthly change, and index by UK region, from HM Land Registry UK House Price Index. Updated monthly.", "responses": { "200": { "description": "House price dataset (JSON)" } } } }
  }
}