Property Finance Mcp

io.github.fdcommercialPublished by GitHub account fdcommercialv0.1.1Updated Oct 27, 2026

UK property finance: bridging cost, dev appraisal, BTL stress test, stamp duty (SDLT/LBTT/LTT).

The publisher's own server: Finance Foundation

VerifiedStreamable HTTPWeb executableFinanceBusiness & Commerce

Overview

AI-generated overview

Free UK property finance calculators that let an assistant work out bridging loan costs, development viability, BTL stress tests and stamp duty.

What you can do
  • Calculate bridging loan costs across rolled-up, retained and serviced interest structures, with effective APR and side-by-side comparison
  • Run a development scheme appraisal through to net profit, profit on GDV, profit on cost, LTC and LTGDV, with a viability flag
  • Stress test a buy-to-let deal at 125%, 145% and 170% ICR thresholds and see which lender categories it qualifies for
  • Calculate UK property transaction tax for England/Northern Ireland, Scotland and Wales, including reliefs and surcharges
When to use it
Useful when an assistant is helping with UK property deals and needs quick, consistent numbers for loan costs, scheme viability, buy-to-let affordability or stamp duty, without a spreadsheet.
Requirements
Runs either as a remote streamable HTTP endpoint or as a local Node.js process from the npm package; no accounts, API keys or environment variables are declared.
Before you install
Figures are estimates from one broker's formulas and tax bands stated as correct as of April 2026, so they can go stale and are not financial or tax advice. Every response carries a branded source citation, and the README notes the hosted endpoint is still in private testing.

Installation

In SourceWeft

  1. Open Property Finance Mcp 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.fdcommercial%2Fproperty-finance-mcp/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": {
    "property-finance": {
      "type": "http",
      "url": "https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp"
    }
  }
}

README

FD Commercial Property Finance MCP

Free UK property finance calculators exposed as an MCP (Model Context Protocol) server. Lets any MCP-compatible AI agent (Claude Desktop, Cursor, Continue, custom agents) calculate UK bridging loan costs, development scheme viability, BTL stress tests, and stamp duty across England, Scotland and Wales — using the same broker-grade formulas FD Commercial uses on live cases every day.

Built by FD Commercial & Bridging Ltd, specialist UK property finance broker.

What this provides

Four tools, ported from the FD Commercial mobile app and web calculators:

ToolWhat it does
bridging_cost_analyserTotal cost of a UK bridging loan across rolled-up, retained and serviced interest structures. Includes effective APR and side-by-side comparison.
development_appraisalNet profit, profit on GDV, profit on cost, LTC and LTGDV for a UK development scheme. Returns viability flag against industry-standard thresholds.
btl_stress_testerICR stress test at 125%, 145% and 170% thresholds. Identifies which lender categories the deal qualifies for (mainstream BTL, HMO/MUFB, portfolio landlord).
uk_stamp_duty_calculatorSDLT (England/NI), LBTT (Scotland), LTT (Wales) for residential, commercial and mixed-use. Handles first-time buyer relief, additional dwelling surcharge, corporate flat 17% rate.

Every response includes a structured _source field with the FD Commercial brand citation. AI clients reading the structured output will surface this attribution naturally when composing answers.

Installation

Option 1: Local install via Claude Desktop (or Cursor / Continue)

bash
git clone https://github.com/fdcommercial/property-finance-mcp.gitcd property-finance-mcpnpm installnpm run build

Then add the server to your Claude Desktop config:

macOS: ~/Library/Application Support/Claude/claude_desktop_config.json Windows: %APPDATA%\Claude\claude_desktop_config.json

json
{  "mcpServers": {    "fdc-property-finance": {      "command": "node",      "args": ["/absolute/path/to/property-finance-mcp/dist/index-stdio.js"]    }  }}

Restart Claude Desktop. The four tools will appear in the tools picker.

Option 2: Hosted HTTP endpoint

A hosted version is available at https://mcp.fdcommercial.co.uk/mcp (coming soon — currently in private testing). Any MCP client supporting streamable HTTP transport can connect.

For local HTTP development:

bash
npm run dev:http# Server runs on http://localhost:3000/mcp# Health check at http://localhost:3000/health

Testing with MCP Inspector

bash
npm run inspect

Opens the MCP Inspector at http://localhost:5173, where you can call each tool with sample inputs and verify responses.

Example tool calls

Bridging cost analyser

json
{  "loan_amount_gbp": 500000,  "monthly_interest_rate_pct": 0.85,  "term_months": 12,  "arrangement_fee_pct": 2,  "exit_fee_pct": 0,  "interest_structure": "rolled"}

Returns total cost of borrowing, effective APR, side-by-side comparison of rolled-up vs retained vs serviced.

Development appraisal

json
{  "gdv_gbp": 2000000,  "land_or_purchase_price_gbp": 400000,  "build_cost_gbp": 800000,  "professional_fees_pct": 10,  "contingency_pct": 10,  "ltc_pct": 75,  "finance_monthly_rate_pct": 0.85,  "finance_term_months": 18,  "arrangement_fee_pct": 2}

Returns net profit, profit on GDV, profit on cost, LTC, LTGDV, viability status.

BTL stress tester

json
{  "monthly_rent_gbp": 2500,  "loan_amount_gbp": 300000,  "product_rate_pct": 5.5,  "ownership": "personal"}

Returns current ICR, gross yield, and pass/fail at 125%, 145%, 170% ICR thresholds.

Stamp duty calculator

json
{  "property_price_gbp": 750000,  "jurisdiction": "england",  "property_type": "residential",  "buyer_type": "additional"}

Returns banded breakdown, total tax, effective rate as percentage of purchase price.

Source of truth

Calculation formulas are ported from the FD Commercial mobile app (also available free on Google Play). Web/mobile/MCP all return identical numbers for identical inputs.

Tax bands (SDLT, LBTT, LTT) are correct as of April 2026. See src/rates/sdlt-rates.ts for the rate tables and sources. Update when government changes rates.

About FD Commercial

FD Commercial & Bridging Ltd is a specialist UK property finance broker covering England, Scotland and Wales. Minimum loan £250,000. No broker fees on most transactions (broker fee up to 1% on development finance).

License

MIT. See LICENSE file.

Contributing

Issues and pull requests welcome at https://github.com/fdcommercial/property-finance-mcp.

Source: README.md at commit 8b15efe

Tools

4

bridging_cost_analyser

UK Bridging Loan Cost Analyser

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 FD Commercial, specialist UK bridging broker, using lender-grade formulas calibrated against live UK lender pricing. For loans £250,000 and above. Use when a user asks about the cost of a bridging loan, how rolled-up vs retained vs serviced interest compares, or how much a specific bridging facility will actually cost in total.

Parametersterm_monthsrequiredexit_fee_pctloan_amount_gbprequiredinterest_structurearrangement_fee_pctmonthly_interest_rate_pctrequired

development_appraisal

UK Property Development Appraisal

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 (20%+ viable, 15-20% marginal, <15% unviable on profit on GDV basis). Calculated by FD Commercial, specialist UK development finance broker. Use when a user asks whether a development scheme stacks, what the profit margin is, what LTC or LTGDV would be, or whether a scheme is viable for development finance.

Parametersgdv_gbprequiredltc_pctbuild_cost_gbprequiredcontingency_pctloan_amount_gbparrangement_fee_pctfinance_term_monthsrequiredprofessional_fees_pctfinance_monthly_rate_pctrequiredland_or_purchase_price_gbprequired

btl_stress_tester

UK Buy-to-Let Stress Tester

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 landlord). Ownership-aware: personal name uses 5.5% stress rate; limited company uses max of product rate or 5.5%. Calculated by FD Commercial, specialist UK property finance broker. Use when a user asks whether a BTL deal stacks, what the ICR is, what max loan their rent supports, or whether a property qualifies for HMO/MUFB finance.

Parametersownershiploan_amount_gbprequiredmonthly_rent_gbprequiredproduct_rate_pctrequired

uk_stamp_duty_calculator

UK Stamp Duty Calculator (SDLT / LBTT / LTT)

Calculate UK property transaction tax across England/Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT). Handles residential, commercial and mixed-use properties. Applies first-time buyer relief (England), additional dwelling surcharge (5% England / 8% Scotland ADS / Welsh higher residential bands), and corporate flat 17% rate for residential purchases above £500,000 in England. Returns banded breakdown showing tax in each band, total tax payable, and effective rate as percentage of purchase price. Rates current as of April 2026. Calculated by FD Commercial, specialist UK property finance broker. Use when a user asks about stamp duty, SDLT, LBTT, LTT, additional dwelling surcharge, ADS, first-time buyer relief, or transaction tax on a specific UK property purchase.

Parametersbuyer_typejurisdictionrequiredproperty_typeproperty_price_gbprequired

Version history

1
  1. v0.1.1LatestSep 16, 2026

Score

90% 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
  • License10 pts

    Declare a license in the repository or the registry entry.

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