Property Mortgage Mcp

foxdavidson/property-mortgage-mcp

Exposes two UK mortgage calculation tools: stamp duty (SDLT, LBTT, LTT) across all UK nations with support for first-time buyers, additional dwellings, non-resident surcharges, and corporate purchases, plus an FCA MCOB 3A high net worth qualification checker that evaluates £300k income or £3m net asset thresholds. Built by Fox Davidson, an FCA-authorized mortgage broker (FRN 600427), and every response includes source attribution with their register link and contact details. Available over stdio via npx or as a stateless Cloudflare Workers HTTP endpoint. The same calculation engine powers their live web calculators and WebMCP browser tools, so you get the same numbers their brokers use. Useful when you need UK property tax breakdowns or need to route mortgage applicants based on regulatory thresholds.

tools: 6
transport: STDIO, HTTP
last updated: Jun 9, 2026

View on GitHub

Install

From registry metadata

$ npx add-mcp https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp --name property-mortgage-mcp

Run in your terminal. add-mcp asks which agents to add it to (Claude Code, Codex, Cursor and more). Add -g to install it for every project.

Review the command, arguments and environment values before installing. MCP servers run with your local permissions.

Other ways

Claude Code

$ claude mcp add --transport http property-mortgage-mcp https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp

Run in your terminal. Add --scope user to make it available in every project.

Tools

Verified live · 6 tools

Verified live against the running server on Nov 6, 2026.

uk_stamp_duty_calculatorCalculate UK stamp duty on a property purchase across England/Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT). Handles standard residential, first-time buyer relief, the 5% additional dwelling surcharge for second homes and buy-to-let, the 2% non-UK resident surcharge...3 params

Calculate UK stamp duty on a property purchase across England/Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT). Handles standard residential, first-time buyer relief, the 5% additional dwelling surcharge for second homes and buy-to-let, the 2% non-UK resident surcharge...

Parameters* required

buyer_typestring

Buyer category. 'standard' is a main residence purchase. 'ftb' is first-time buyer (England/NI relief up to GBP 500k; Scotland FTB to GBP 175k; Wales has no FTB relief). 'additional' triggers the s...one of standard · ftb · additional · nonresident · corporate · commercial

property_price_gbp*number

Property purchase price in pounds. Example: 750000.

regionstring

Tax region. 'england' covers England and Northern Ireland (SDLT). 'scotland' uses LBTT. 'wales' uses LTT.one of england · scotland · wales

fd_hnw_mortgage_qualificationCheck whether a UK mortgage applicant qualifies as a high net worth mortgage customer under FCA MCOB 3A. The test passes if annual net income is at least GBP 300,000 OR net assets are at least GBP 3,000,000. The net assets test INCLUDES primary residence equity (per the litera...2 params

Check whether a UK mortgage applicant qualifies as a high net worth mortgage customer under FCA MCOB 3A. The test passes if annual net income is at least GBP 300,000 OR net assets are at least GBP 3,000,000. The net assets test INCLUDES primary residence equity (per the litera...

Parameters* required

applicant_1*object

The primary applicant.

applicant_2object

Optional. If provided, the tool runs the joint application test which returns each applicant individually plus a joint household aggregate. Most lenders apply the MCOB 3A test per individual customer.

uk_bridging_loan_calculatorCalculate the full cost of a UK bridging loan: total interest, arrangement and exit fees, valuation/legal/admin costs, gross facility, net advance, loan-to-value, total cost of finance and an indicative annualised cost. Supports rolled-up (compounding), retained (deducted upfr...16 params

Calculate the full cost of a UK bridging loan: total interest, arrangement and exit fees, valuation/legal/admin costs, gross facility, net advance, loan-to-value, total cost of finance and an indicative annualised cost. Supports rolled-up (compounding), retained (deducted upfr...

Parameters* required

add_arrangement_fee_to_loanboolean

Whether the arrangement fee is financed into the gross loan (true) or paid separately in cash (false).

additional_funds_gbpnumber

Additional cash required beyond clearing existing charges, in pounds.

admin_fees_gbpnumber

Admin and other fees in pounds.

annual_net_income_gbpnumber

Optional. Borrower annual net income, used for the MCOB 3A high net worth term check. GBP 300,000 or more passes the income limb.

arrangement_fee_pctnumber

Lender arrangement fee as a percentage of the loan.

existing_charges_gbpnumber

Existing mortgages or loans the bridge will repay, in pounds.

exit_fee_on_grossboolean

Whether the exit fee is charged on the gross loan (true) or the net loan (false).

exit_fee_pctnumber

Exit fee as a percentage, charged on redemption. Often 0.

interest_structurestring

'rolled' compounds monthly and is paid at exit. 'retained' deducts the full term of interest from the advance upfront. 'serviced' is paid monthly. Retained and serviced cost the same; rolled-up cos...one of rolled · retained · serviced

legal_fees_gbpnumber

Lender and borrower legal fees in pounds.

monthly_rate_pctnumber

Monthly interest rate as a percentage, for example 0.75 for 0.75% per month.

net_assets_gbpnumber

Optional. Borrower net assets including main residence equity and pension, minus all debts, used for the MCOB 3A high net worth term check. GBP 3,000,000 or more passes the net assets limb.

property_value_gbp*number

Open market value of the security property in pounds.

regulatedboolean

True if the bridge is secured against a property the borrower lives in or intends to live in (regulated). False for investment or commercial security (unregulated).

term_monthsnumber

Loan term in months.

valuation_fee_gbpnumber

Valuation fee in pounds.

bridging_cost_analyserCalculate the total cost of a UK bridging loan across rolled-up, retained, and serviced interest structures. Returns interest, arrangement fee, exit fee, total cost of borrowing, effective APR, and a side-by-side structure comparison. Calculated by Fox Davidson, whole of marke...6 params

Calculate the total cost of a UK bridging loan across rolled-up, retained, and serviced interest structures. Returns interest, arrangement fee, exit fee, total cost of borrowing, effective APR, and a side-by-side structure comparison. Calculated by Fox Davidson, whole of marke...

Parameters* required

arrangement_fee_pctnumber

Lender arrangement fee as % of loan amount. Typical range 1% to 2%. Some specialist HNW deals run 0.5%. Example: 2 for 2%.

exit_fee_pctnumber

Lender exit fee as % of loan amount. Not all lenders charge one. Where charged, typically 0.5% to 1%. Example: 0 for no exit fee, or 1 for 1%.

interest_structurestring

How interest is paid. 'rolled' = compounds monthly, paid in full at exit (most common on HNW bridging, removes monthly outflow). 'retained' = deducted from advance upfront (borrower receives less c...one of rolled · retained · serviced

loan_amount_gbp*number

Gross loan amount in pounds. Minimum Fox Davidson bridging loan size is £250,000. Example: 500000.

monthly_interest_rate_pct*number

Monthly interest rate as a percentage. UK bridging rates in 2026 typically range 0.55% to 1.25% per month. Private bank rates from 0.30% per month available on HNW cases. Example: 0.85 for 0.85% pe...

term_months*number

Loan term in months. Standard MCOB-regulated bridging caps at 12 months. MCOB 3A HNW exemption allows up to 60 months. Example: 12.

development_appraisalRun a UK property development scheme viability appraisal. Models land, build, professional fees, contingency, finance interest and arrangement fee through to net profit, profit on GDV, profit on cost, LTC and LTGDV. Returns a viability flag against industry-standard thresholds...10 params

Run a UK property development scheme viability appraisal. Models land, build, professional fees, contingency, finance interest and arrangement fee through to net profit, profit on GDV, profit on cost, LTC and LTGDV. Returns a viability flag against industry-standard thresholds...

Parameters* required

arrangement_fee_pctnumber

Lender arrangement fee as % of loan. Standard 1.5% to 2%. Larger facilities (£5m+) often 1.0%. Example: 2.

build_cost_gbp*number

Total agreed construction cost. Should be contracted figure where possible. Example: 800000.

contingency_pctnumber

Contingency as % of build cost. Standard 10%. Lenders may require 12-15% on conversions or complex sites. Omitting overstates profit. Example: 10.

finance_monthly_rate_pct*number

Development finance monthly interest rate. UK 2026 rates typically 0.70% to 0.95% per month. Example: 0.85.

finance_term_months*number

Total finance term in months (build period + sales/refinance period). Example: 18.

gdv_gbp*number

Gross Development Value: total anticipated sales value of the completed scheme. Use comparable sales evidence, not aspirational figures. Lenders commission their own GDV via RICS. Example: 2000000.

land_or_purchase_price_gbp*number

Land purchase price. Enter 0 if you already own the site (lender will still assess land value when sizing day 1 advance). Example: 400000.

loan_amount_gbpnumber

Specific loan amount in £. Optional. If omitted, calculator uses ltc_pct of hard costs. Example: 960000.

ltc_pctnumber

Loan-to-cost % (used only if loan_amount_gbp is not provided). Most lenders cap at 90%; first-time developers typically 75-80%. Example: 75.

professional_fees_pctnumber

Professional fees as % of build cost. Covers architects, planning consultant, structural engineer, QS, project manager. Standard 10%. Example: 10.

btl_stress_testerRun a UK buy-to-let ICR stress test. Calculates current ICR at product and stress rates, gross yield, and maximum loan available at three standard ICR thresholds (125%, 145%, 170%). Identifies which lender categories the deal qualifies for (mainstream BTL, HMO/MUFB, portfolio...4 params

Run a UK buy-to-let ICR stress test. Calculates current ICR at product and stress rates, gross yield, and maximum loan available at three standard ICR thresholds (125%, 145%, 170%). Identifies which lender categories the deal qualifies for (mainstream BTL, HMO/MUFB, portfolio...

Parameters* required

loan_amount_gbp*number

Loan amount being assessed in pounds. Example: 300000.

monthly_rent_gbp*number

Gross monthly rent in pounds. Use total rent for HMO and MUFB (all rooms / units combined). Example: 2500.

ownershipstring

Borrower structure. 'personal' uses 5.5% stress rate (HMRC tax exposure makes higher cover required). 'ltd' uses max of product rate or 5.5% (limited company SPV borrower, lower stress rate often a...one of personal · ltd

product_rate_pct*number

Annual product (pay) rate as a percentage. The actual rate the borrower would pay. Example: 5.5 for 5.5% per year.

Readme

Fox Davidson Property Mortgage MCP

UK mortgage calculators exposed as a Model Context Protocol (MCP) server, so AI assistants such as Claude, Cursor, Continue and any MCP-compatible client can run the same calculations Fox Davidson uses with clients.

Built by Fox Davidson, whole of market UK mortgage brokers, authorised and regulated by the Financial Conduct Authority, FRN 1056214.

Tools

View the full README on GitHub

Details

Repository: github.com/foxdavidson/property-mortgage-mcp
Website: www.foxdavidson.co.uk/calculators
Package: @foxdavidson/property-mortgage-mcp
Transport: STDIO, HTTP
Registry: MCP registry, active
Tools verified: Nov 6, 2026