mcp server
property-mortgage-mcp
UK mortgage calculators: stamp duty, MCOB 3A HNW qualification, and bridging loan cost.
Description as published by the maintainer. Source
- version 0.2.0
- active
active — Most recent push to the repository was 2026-07-26.
What this server can do
3 functions, named and described by the server itself. Parameter names are shown because they say more about what a function does than its name usually does.
fd_hnw_mortgage_qualification(applicant_1, applicant_2)- 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 literal FCA glossary G2953 and UK lender practice) and INCLUDES pension by default. Supports single applicant or joint application. Returns verdict, per-applicant test breakdown, joint household aggregate (if joint), and a routing recommendation including the relevant UK private bank list. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks whether they qualify for a high net worth mortgage, about MCOB 3A, the GBP 300k income or GBP 3m net assets test, private bank mortgages, or large loans against assets. Required: applicant_1.
uk_bridging_loan_calculator(regulated, term_months, exit_fee_pct, admin_fees_gbp, legal_fees_gbp, net_assets_gbp, monthly_rate_pct, exit_fee_on_gross, valuation_fee_gbp, interest_structure, property_value_gbp, arrangement_fee_pct, additional_funds_gbp, existing_charges_gbp, annual_net_income_gbp, add_arrangement_fee_to_loan)- 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 upfront) and serviced (paid monthly) interest. Also runs the FCA MCOB 3A high net worth check: on a regulated bridge, an applicant with annual net income of at least GBP 300,000 OR net assets of at least GBP 3,000,000 can have a term up to 60 months instead of the standard 12-month cap. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks what a bridging loan costs, about bridging interest (rolled-up, retained or serviced), bridging LTV, regulated vs unregulated bridging, or the maximum term on a regulated bridge. Required: property_value_gbp.
uk_stamp_duty_calculator(region, buyer_type, property_price_gbp)- 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 (England/NI), the 17% corporate flat rate for company purchases above GBP 500k (England/NI), and commercial or mixed-use property. Returns banded breakdown, total tax payable and effective rate. Uses current 2026 bands and surcharge rates. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks about stamp duty, SDLT, LBTT, LTT, additional dwelling surcharge, ADS, first-time buyer relief, non-resident surcharge, or tax on a specific UK property purchase. Required: property_price_gbp.
Last successful function declaration observed on . Source: https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp. We list what the server declared; we do not call any of these functions.
Endpoint status observed on . Source: https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp.
Signals
These are separate measurements of different things. They are deliberately not combined into one score, because a popularity number that mixes website traffic with saves and stars cannot be checked or acted on.
| Signal | Value | What it measures | Window | Observed | Source |
|---|---|---|---|---|---|
| GitHub stars | 0 | Number of GitHub accounts that bookmarked this repository since it was created. It is a bookmark count, not installs, not active users and not quality. | cumulative, all time | GitHub | |
| Last commit | 2026-07-26 | Date of the most recent push to any branch. This is the strongest cheap indicator of whether the project is still maintained. | point in time | GitHub | |
| Open issues | 0 | Open issues plus open pull requests, as GitHub counts them together. A high number can mean an active project or an abandoned one. | as of fetch | GitHub | |
| Latest published version | 0.2.0 | Latest version string the maintainer published to the registry. | as of fetch | Model Context Protocol | |
| Registry record last updated | 2026-06-09 | When the registry record was last updated by its maintainer. | point in time | Model Context Protocol | |
| License | MIT | Licence GitHub detected in the repository. Detection can be wrong; the LICENSE file is authoritative. | as of fetch | GitHub | |
| First listed in the MCP Registry | 2026-06-09 | Date this server was first published to the official MCP Registry. Not a usage or quality measure. | point in time | Model Context Protocol | |
| repository status | active | The repository exists on GitHub and is not archived. This says nothing about how recently it was worked on. | as of fetch | GitHub | |
| mcp tools declared | 3 tools | Number of functions the server itself declared when asked to list them. This is what the server offers an agent, not a measure of how well any of them work. | as of probe | fd-property-mortgage-mcp.fdcommercial-uk.workers.dev | |
| mcp endpoint status | ok | The server listed 3 functions when asked. | as of probe | fd-property-mortgage-mcp.fdcommercial-uk.workers.dev |
Where to get it
Related, by what their authors tagged them
-
io.github.fdcommercial/property-finance-mcp
— last commit 2026-07-26, shares mortgage-broker, stamp-duty
UK property finance: bridging cost, dev appraisal, BTL stress test, stamp duty (SDLT/LBTT/LTT).
These share tags the maintainers applied themselves, such as mortgage-broker, stamp-duty. Common tags like "mcp" or "ai" are ignored for this: agreeing with six hundred other projects is not a similarity.
This is not a recommendation and not a test result. It is a map of what the authors said their work is about.
How the author describes it
Topics the maintainer set on GitHub: fox-davidson, high-net-worth, lbtt, ltt, mcob-3a, mcp, model-context-protocol, mortgage-broker, sdlt, stamp-duty, uk-mortgage.
This record as data
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