Open Financial Mortgages

io.github.clara-financePublished by GitHub account clara-financev1.0.0Updated Oct 29, 2026

Ontario, Canada mortgage options, published lender rates and a link to a licensed broker.

VerifiedStreamable HTTPWeb executableLocation & LifestyleFinance

Overview

AI-generated overview

Remote MCP server for preliminary Ontario residential mortgage analysis, published lender rate lookups, and a link to a licensed broker.

What you can do
  • Analyze a mortgage, refinance, home-equity or debt-consolidation scenario from approximate values, with estimated equity, combined loan-to-value, missing information and broad unranked financing categories
  • Estimate home equity and combined loan-to-value for an Ontario property
  • Search published Ontario mortgage rates by type, term, position, minimum LTV, purpose or lender keyword, returning each lender's own wording, conditions, check date and source link
  • Return Open Financial's broker intake link and contact details when the user asks for help from a licensed professional
When to use it
Useful when someone wants a quick, non-binding first look at an Ontario mortgage or refinancing situation, wants to see rates lenders have published, or asks to be pointed to a licensed broker. It is not for eligibility checks, lender matching or credit decisions.
Requirements
A remote streamable HTTP endpoint; no package, environment variables or headers are declared. No account or API key is required. The server asks that the user be told Clara processes their approximate values and be given the privacy notice before an analysis.
Before you install
Results are preliminary only: categories are unranked, no eligibility or qualification is assessed, and a published rate does not mean the user qualifies. The server asks that no documents, SIN, banking details, government ID, date of birth, tax or payroll documents, bureau scores or credit reports be supplied, and it collects no names, emails or phone numbers. Approximate values are processed by Clara on Open Financial's behalf; the broker link is a handoff where the user enters their own…

Installation

In SourceWeft

  1. Open Open Financial Mortgages in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/io.github.clara-finance%2Fopen-financial-mortgage-options/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "open-financial-mortgages": {
      "type": "http",
      "url": "https://mcp.openfinancial.ca/mcp/open"
    }
  }
}

Tools

5

analyze_mortgage_scenario

Analyze mortgage scenario

Preliminary analysis of a mortgage, refinancing, home-equity or debt-consolidation scenario: estimated equity, current and proposed combined loan-to-value, missing information and broad, unranked financing categories. Useful as a first look at someone's situation. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.

ParameterscitytimingpurposeprovincepropertyTyperenewalMonthemploymentTypehouseholdIncomeRangeestimatedPropertyValueselfReportedCreditRangeexistingMortgageBalancesrequestedAdditionalAmount

get_financing_options

Explore financing categories

The same preliminary analysis, for when someone wants to know which broad kinds of financing they could explore. Categories are unranked and are not lender offers. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.

ParameterscitytimingpurposeprovincepropertyTyperenewalMonthemploymentTypehouseholdIncomeRangeestimatedPropertyValueselfReportedCreditRangeexistingMortgageBalancesrequestedAdditionalAmount

estimate_home_equity

Estimate home equity

The same preliminary analysis, for when someone wants to know their estimated home equity and combined loan-to-value. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.

ParameterscitytimingpurposeprovincepropertyTyperenewalMonthemploymentTypehouseholdIncomeRangeestimatedPropertyValueselfReportedCreditRangeexistingMortgageBalancesrequestedAdditionalAmount

search_published_mortgage_rates

Search published mortgage rates

Searches the Ontario mortgage rates lenders have published, as recorded by Open Mortgage Rates, using filters such as mortgageType, term, position, minimumLtv, purpose or a lender keyword; with no filter it asks what to search for instead of listing every record. Returns each lender's own rate wording with its conditions, check date and source link, and a notice that goes with them. Useful when someone asks what rates lenders are publishing. It takes filters only, not names, contact details or dollar amounts. Published information, not a quote, offer, recommendation or eligibility assessment.

ParametersfeessorttermlimitkeywordpurposepositionminimumLtvmortgageType

get_open_financial_broker_help

Reach an Open Financial mortgage professional

Returns the link to Open Financial's own intake form and its contact details, for when the user asks for help from a broker or licensed mortgage professional. It collects and sends nothing: the user enters their own details on openfinancial.ca.

Takes no parameters.

Version history

1
  1. v1.0.0LatestOct 29, 2026

Score

83% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts

    Declare a GitHub repository with a README, or serve resource_documentation in the OAuth protected-resource metadata.

  • LicenseNot applicable

    A hosted service is used under its provider's terms, so no license is expected here. This check is left out of the percentage.