Property Finance Mcp

io.github.fdcommercial由 GitHub 账号 fdcommercial 发布v0.1.1更新于 Oct 27, 2026

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

发布方自己的服务：Finance Foundation

已验证Streamable HTTP可网页运行金融商业与电商

概览

AI 生成的概览

免费的英国房产金融计算器，让助手计算过桥贷款成本、开发可行性、买房出租压力测试和印花税。

可以做什么
  • 计算过桥贷款在滚存、留存和按期付息三种结构下的总成本，含实际年利率和并排比较
  • 运行开发项目评估，算出净利润、占GDV利润率、占成本利润率、LTC 和 LTGDV，并给出可行性标记
  • 按 125%、145%、170% 的 ICR 门槛对买房出租交易做压力测试，并判断符合哪些贷款机构类别
  • 计算英格兰/北爱尔兰、苏格兰和威尔士的房产交易税，含首次购房减免和额外住宅附加费
适用场景
适合在助手协助处理英国房产交易时，快速获得一致的贷款成本、项目可行性、买房出租可负担性或印花税数字，无需另建表格。
运行要求
可作为远程 streamable HTTP 端点使用，也可通过 npm 包在本地以 Node.js 进程运行；未声明需要账户、API 密钥或环境变量。
安装前请注意
数字来自某家经纪商的公式，税率标注为截至 2026 年 4 月有效，可能过时，且不构成金融或税务建议。每个响应都带有品牌来源引用，README 说明托管端点仍在内部测试中。

安装

在 SourceWeft 中

  1. 打开 控制台中的 Property Finance Mcp，将其添加到工作区。
  2. 为需要使用其工具的对话启用该服务。

Web executable，通过 Streamable HTTP。 远程服务在工作区中配置后即可从网页运行时运行。

交给智能体安装

把这段提示词粘贴到 Claude Code、Codex、Cursor 等智能体，或 SourceWeft 对话中。智能体会读取该服务器的安装指南，先向你展示发布者、端点和登录方式，经你同意后再把它添加到你的客户端。密钥不会写进任何命令。

阅读 https://sourceweft.com/mcp/io.github.fdcommercial%2Fproperty-finance-mcp/install.md，并按其中说明把这个 MCP 服务器接入我的客户端。修改任何配置之前，先告诉我它的发布者、端点和登录方式，等我确认。不要把 API 密钥写进命令或我会提交的文件；问我密钥应从哪里获取。

查看智能体所依据的安装指南

其他 MCP 客户端

把它添加到你客户端的 mcpServers 配置中。

{
  "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.

来源：README.md，提交 8b15efe

工具

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.

输入参数term_months必填exit_fee_pctloan_amount_gbp必填interest_structurearrangement_fee_pctmonthly_interest_rate_pct必填

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.

输入参数gdv_gbp必填ltc_pctbuild_cost_gbp必填contingency_pctloan_amount_gbparrangement_fee_pctfinance_term_months必填professional_fees_pctfinance_monthly_rate_pct必填land_or_purchase_price_gbp必填

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.

输入参数ownershiploan_amount_gbp必填monthly_rent_gbp必填product_rate_pct必填

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.

输入参数buyer_typejurisdiction必填property_typeproperty_price_gbp必填

版本历史

1
  1. v0.1.1最新Sep 16, 2026

评分

已满足适用检查项的 90%

该评分衡量此收录条目的完整程度，依据注册中心条目、端点与公开来源计算得出。它不是对服务器本身的评价，也不表示服务器安全或当前可用：可连通性是带日期的检查结果，评分也不包含安装量或用户评价。

  • 近 30 天内可连通必需25 分
  • 已声明认证方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 图标10 分
  • 文档15 分
  • 许可证10 分

    请在仓库或注册中心条目中声明许可证。

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