io.github.Payotte-com/payotte-mcp

by Payotte-com · remote · no sign-in to list tools · v1.10.0 · published by GitHub user Payotte-com

Verified Canadian real-estate pros + housing data: rates, transfer tax, rent-vs-buy, QC assessments.

Final · 13Changes · 64

Compare Registry entry

87 tools: 13 do something that can't be undone, 64 change things and 10 only read.

Scanned Oct 21, 2026

Deletes or cancels0Claude Code: deny
Can't be undone13Claude Code: ask: see these tools
Changes things64Claude Code: ask: see these tools
Only reads10Claude Code: allow: see these tools

29 checks matched something in the tool definitions. No finding is not a safety guarantee. How the checks work.

claude mcp add --transport http payotte https://payotte-mcp.payotte.workers.dev/mcp

Findings

Matches of fixed checks, with the text they matched.

26 warn3 info

Warnevaluation_adresse
The server marks "evaluation_adresse" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for
Warntaxe_bienvenue_adresse
The server marks "taxe_bienvenue_adresse" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for
Warnrisques_annee_construction
The server marks "risques_annee_construction" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for
Warntrouver_expert
The server marks "trouver_expert" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for
Warnverifier_titre
The server marks "verifier_titre" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for
Warnstats_marche
The server marks "stats_marche" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for

Show 23 more findings

Warntaux_courants
The server marks "taux_courants" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for
Warntaxe_mutation
The server marks "taxe_mutation" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for
Warnacheter_ou_louer
The server marks "acheter_ou_louer" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for
Warnsalaire_requis
The server marks "salaire_requis" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for
Warnfenetre_revision
The server marks "fenetre_revision" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for
Warnfrais_revision
The server marks "frais_revision" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for
Warnestimer_economie
The server marks "estimer_economie" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
What this check looks for
Warntransfer_tax_us
The server marks "transfer_tax_us" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "transfer_tax_us" says "transfer": a word for a change that another call does not undo.
What this check looks for
Warnpurchase_tax_uk
The server marks "purchase_tax_uk" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_tax_uk" says "purchase": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnpurchase_duty_au
The server marks "purchase_duty_au" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_duty_au" says "purchase": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnpurchase_costs_br
The server marks "purchase_costs_br" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_costs_br" says "purchase": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnmortgage_payment_br
The server marks "mortgage_payment_br" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "mortgage_payment_br" says "payment": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnmortgage_payment_mx
The server marks "mortgage_payment_mx" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "mortgage_payment_mx" says "payment": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnpurchase_costs_es
The server marks "purchase_costs_es" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_costs_es" says "purchase": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnmortgage_payment_es
The server marks "mortgage_payment_es" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "mortgage_payment_es" says "payment": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnpurchase_costs_de
The server marks "purchase_costs_de" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_costs_de" says "purchase": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnmortgage_payment_de
The server marks "mortgage_payment_de" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "mortgage_payment_de" says "payment": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnpurchase_costs_it
The server marks "purchase_costs_it" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_costs_it" says "purchase": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnmortgage_payment_it
The server marks "mortgage_payment_it" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "mortgage_payment_it" says "payment": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnpurchase_costs_be
The server marks "purchase_costs_be" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_costs_be" says "purchase": a word that usually means money moves, which cannot be taken back.
What this check looks for
Infotrouver_expert
The description mentions "credential".
Matched text
description: "...egistry link so the user can verify the credential themselves, Google rating (dated), fres..."
What this check looks for
Infoverifier_titre
The description mentions "credential".
Matched text
description: "...ry URL when one exists, and whether the credential is a mandatory licence, a professional..."
What this check looks for
Infoverifier_titre_fr
The title mentions "credential".
Matched text
title: "...France / Check a French professional’s credential"
What this check looks for

Tools

Open a tool for its reasons and full description. Descriptions are the publisher's own words, shown as they are.

87 tools

Can't be undone 13Sends, pays, publishes or merges: once done, it cannot be taken back.Claude Code: ask

mortgage_payment_brBRAZIL.1 finding
Why it is in this group
- The name "mortgage_payment_br" says "payment": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "mortgage_payment_br" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "mortgage_payment_br" says "payment": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
BRAZIL. Monthly payment under the Price system (constant) and the SAC system (falling), total interest, CMN loan-to-value caps; default rate = Banco Central average on new housing loans to individuals (latest month).
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
mortgage_payment_deGERMANY.1 finding
Why it is in this group
- The name "mortgage_payment_de" says "payment": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "mortgage_payment_de" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "mortgage_payment_de" says "payment": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
GERMANY. Monthly payment and total interest of an annuity loan; default rate = Bundesbank average effective rate on new housing loans fixed over 5 up to 10 years (latest month). Also returns the other fixation periods.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
mortgage_payment_esSPAIN.1 finding
Why it is in this group
- The name "mortgage_payment_es" says "payment": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "mortgage_payment_es" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "mortgage_payment_es" says "payment": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
SPAIN. Monthly payment and total interest of a repayment mortgage; default rate = Banco de España average rate on mortgages over three years (latest month). Also returns the 12-month Euribor.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
mortgage_payment_itITALY.1 finding
Why it is in this group
- The name "mortgage_payment_it" says "payment": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "mortgage_payment_it" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "mortgage_payment_it" says "payment": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
ITALY. Monthly payment and total interest of a constant-instalment loan; default rate = ECB average agreed rate for Italy on new housing loans fixed over 5 up to 10 years (latest month). Also returns the other fixation periods.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
mortgage_payment_mxMEXICO.1 finding
Why it is in this group
- The name "mortgage_payment_mx" says "payment": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "mortgage_payment_mx" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "mortgage_payment_mx" says "payment": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
MEXICO. Monthly payment and total interest of a fixed-rate peso mortgage; default rate = Banco de México average of advertised fixed-rate offers (latest month), with the average CAT and the Banxico target rate.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
purchase_costs_beBELGIUM.1 finding
Why it is in this group
- The name "purchase_costs_be" says "purchase": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "purchase_costs_be" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_costs_be" says "purchase": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
BELGIUM. Computes the costs of buying an existing home in Brussels-Capital, Wallonia or Flanders: the Region's registration duty (12.5% / 12% or the sole-home reduced rate and abatements), the notary fees from the legal tariff plus VAT, the estimated other costs, and optionally the mortgage deed. Same figures as the calculator on payotte.com/belgium/purchase-costs (FR: /belgique/frais-achat, NL: /belgie/aankoopkosten).
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
purchase_costs_brBRAZIL.1 finding
Why it is in this group
- The name "purchase_costs_br" says "purchase": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "purchase_costs_br" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_costs_br" says "purchase": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
BRAZIL. Computes the municipal ITBI transfer tax (general rate read in the law of 40 cities), the notary deed and the registration (2026 table of 21 states) on a home purchase in one of the 55 cities covered. Missing parts are flagged (lower limit or not computed), never estimated.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
purchase_costs_deGERMANY.1 finding
Why it is in this group
- The name "purchase_costs_de" says "purchase": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "purchase_costs_de" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_costs_de" says "purchase": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
GERMANY. Computes real estate transfer tax (Grunderwerbsteuer) at the rate of each of the 16 states, notary and land registry fees from the GNotKG fee table (in force 1 June 2025), and optionally the land charge for a loan and an agent commission the user gives.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
purchase_costs_esSPAIN.1 finding
Why it is in this group
- The name "purchase_costs_es" says "purchase": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "purchase_costs_es" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_costs_es" says "purchase": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
SPAIN. Computes transfer tax (ITP) on a resale home, or VAT/IGIC and stamp duty (AJD) on a new home, plus land registry fees and the notary's deed fee, at the general rates of each of the 17 regions, Ceuta and Melilla (official texts read), on the higher of the price and the Catastro reference value.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
purchase_costs_itITALY.1 finding
Why it is in this group
- The name "purchase_costs_it" says "purchase": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "purchase_costs_it" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_costs_it" says "purchase": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
ITALY. Computes the national purchase taxes: registration tax 9% (2% with prima casa relief, min. €1,000) on the price or the cadastral value (prezzo-valore) plus €50 + €50 on a resale from a private owner; VAT 10% (4% prima casa, 22% luxury A/1, A/8, A/9) plus €200 × 3 on a new build from a builder; optional substitute tax on the mortgage (0.25% / 2%) and an agent commission the user gives. The notary fee is never computed (no tariff).
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
purchase_duty_auAUSTRALIA.1 finding
Why it is in this group
- The name "purchase_duty_au" says "purchase": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "purchase_duty_au" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_duty_au" says "purchase": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
AUSTRALIA. Computes the duty on buying a home in a state or territory (NSW, VIC, QLD, WA, TAS, ACT, NT; not SA, whose rate pages Payotte could not read) with first home buyer, principal residence, foreign buyer (surcharge and FIRB fee) and new home options, plus land titles registration fees. Rates as on payotte.com/australia; warnings list every assumption and any upper-limit figure.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
purchase_tax_ukUNITED KINGDOM.1 finding
Why it is in this group
- The name "purchase_tax_uk" says "purchase": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "purchase_tax_uk" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "purchase_tax_uk" says "purchase": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
UNITED KINGDOM. Computes the tax on buying a home: Stamp Duty Land Tax (England, Northern Ireland), Land and Buildings Transaction Tax (Scotland) or Land Transaction Tax (Wales), for a home mover, a first-time buyer or an additional property, with the non-UK resident surcharge and the HM Land Registry fee. Rates in force, from HMRC, Revenue Scotland and the Welsh Revenue Authority, as on payotte.com/uk.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
transfer_tax_usUNITED STATES.1 finding
Why it is in this group
- The name "transfer_tax_us" says "transfer": a word for a change that another call does not undo.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "transfer_tax_us" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "transfer_tax_us" says "transfer": a word for a change that another call does not undo.
  What this check looks for
Description, as the server wrote it
UNITED STATES. Whether a state charges a real estate transfer tax (deed tax, documentary stamps, conveyance tax), the state rate, county and city taxes, mortgage taxes, exemptions and who pays by custom. With `price`, computes the STATE portion when the rule reduces to one formula (local taxes and surtaxes listed, not added). From the state statute, as summarized on payotte.com/usa.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false

Changes things 64Creates or changes something that can be changed back.Claude Code: ask

acheter_ou_louerCall this when the user wonders whether to rent or buy in a Canadian city.1 finding
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "acheter_ou_louer" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this when the user wonders whether to rent or buy in a Canadian city. Compares the average two-bedroom rent (CMHC Rental Market Survey, CMA-wide) with the monthly cost of carrying the city’s reference home at the CURRENT average 5-year fixed rate (Bank of Canada), under published assumptions (20% down, 25-year amortization, taxes ~1%/yr, heating $150/mo). Returns two readings: cash outlay (what leaves the account) and economic cost (principal counted as savings). Only cities inside a CMHC-covered metro have rent data.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
attorney_at_closing_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. Whether a real estate attorney is required at closing in a state (required, partly required, customary, not required), the statute, bar opinion or court ruling behind it, and who usually conducts closings (attorney, title or escrow company).
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
borrowing_capacity_beBELGIUM.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
BELGIUM. From a net monthly income, computes the capital a fixed-rate loan allows and the highest home price once the Region's purchase costs are paid. Belgium has no legal debt-to-income rule: the share of income (default 33%) and the rate (default 3.5%) are example assumptions you can change. As on payotte.com/belgium/borrowing-capacity (FR: /belgique/capacite-emprunt, NL: /belgie/leencapaciteit).
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
capital_gains_tax_brBRAZIL.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
BRAZIL. Income tax on the gain from selling a home: non-residents computed in full (15% to 22.5% by band, 25% in a listed low-tax jurisdiction, withheld by the buyer); residents: exemptions tested, tax as an upper limit before the FR1/FR2 reduction factors. Purchases before 1996 not computed.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
check_professional_auAUSTRALIA.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
AUSTRALIA. For a real estate agent, mortgage broker, conveyancer, building inspector or property valuer: the state regulators or registers, what they cover, and where the reader checks a licence. Payotte lists no Australian professional yet.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
check_professional_beBELGIUM.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
BELGIUM. For an estate agent, mortgage (credit) broker, notary, land surveyor or EPB/EPC energy assessor: the regulatory body or register, what the title means and where the reader checks it (IPI/BIV, FSMA, notaire.be, the surveyors' Order, the Walloon energy administration). Names no professional.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
check_professional_brBRAZIL.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
BRAZIL. For a real estate broker (CRECI), property appraiser (CNAI, CREA/CAU), architect or engineer (CAU, CREA), mortgage lender (Banco Central) or property lawyer (OAB): where the reader checks a registration. Payotte lists no Brazilian professional yet, and never lists lawyers or lenders.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
check_professional_deGERMANY.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
GERMANY. For a real estate agent (§ 34c GewO permit, no public register), mortgage broker (§ 34i, DIHK register), property valuer (public appointment), architect (state chambers) or notary (public office): where the reader checks. Payotte lists no German firm yet and never lists notaries.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
check_professional_esSPAIN.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
SPAIN. For a real estate agent (regional registers), property valuer (Banco de España), architect (colegios), mortgage lender (Banco de España) or property lawyer (bar associations): where the reader checks. Payotte lists no Spanish professional yet and never lists lawyers.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
check_professional_inINDIA.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
INDIA. For a real estate agent (state RERA), registered valuer (IBBI), architect (Council of Architecture), home loan lender (RBI) or property lawyer (State Bar Council): where the reader checks a registration. Payotte lists no Indian professional yet and never lists lawyers.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
check_professional_itITALY.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
ITALY. For a real estate agent (Registro Imprese / REA), mortgage broker (OAM lists), surveyor (geometri register), architect (Albo Unico Nazionale) or notary (public office, Albo Unico): where the reader checks. Payotte lists no Italian firm yet and never lists notaries.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
check_professional_mxMEXICO.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
MEXICO. For a real estate agent (state licence where one exists), appraiser (SHF register), mortgage lender (CNBV, CONDUSEF), notary (appointed by the state) or real estate lawyer (cédula profesional): where the reader checks. Payotte lists no Mexican professional yet and never lists notaries or lawyers.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
check_professional_ukUNITED KINGDOM.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED KINGDOM. For an estate agent, mortgage adviser, conveyancer, surveyor or valuer: the regulator or register, what it covers, and where the reader checks a firm (FCA Register, SRA, CLC, Law Society, RICS, redress schemes). Payotte lists one selected firm per trade in 20 UK areas (payotte.com/uk/areas).
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
closing_costs_mxMEXICO.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
MEXICO. Computes the property acquisition tax (ISAI, ISABI, ISTD… set by each municipality or state) and the state's fee to record the deed on a home purchase, from the 2026 laws read, in 54 municipalities (Cancún, Playa del Carmen, Tulum, Puerto Vallarta, Bahía de Banderas, Los Cabos, La Paz, Mazatlán, San Miguel de Allende, Mérida, Guadalajara, Querétaro, Tijuana…). Base = the higher of the price and the appraisal or cadastral value. Others return "not computed" with no figure. Notary fees are not computed.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
closing_costs_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. The closing costs that state law fixes (transfer and mortgage taxes, recording fees, regulated title premiums) and who pays each by contract or custom, with a worked example. No invented averages: when no official typical total exists, it says so.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
community_property_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. Whether a state is a community property state, an opt-in state, or common law, and what that means for buying and titling a home as a married couple.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
contacter_expertCall this ONLY when the user explicitly asks to contact, reach out to, or request a quote/appointment from a Payotte-listed professional.No findings
Why it is in this group
- The description's first verb is "call": a word for a change.
Description, as the server wrote it
Call this ONLY when the user explicitly asks to contact, reach out to, or request a quote/appointment from a Payotte-listed professional. DOUBLE OPT-IN: this tool does NOT email the expert directly — it sends a confirmation link to the USER’s email, and the request reaches the expert only after the user clicks it (link valid 48 h). Tell the user to check their inbox. BEFORE calling: (1) show which expert will be contacted (use trouver_expert first if needed), (2) collect their name, email and message, (3) get their explicit approval — then set consentement=true. Never invent contact details. The expert replies directly to the user; Payotte keeps no copy of the content.
Annotations the server declares
- readOnlyHint: false
- destructiveHint: false
- idempotentHint: false
- openWorldHint: true
estimer_economieCall this when the user asks how much they could save on property taxes if their assessment went down, or whether contesting is worth the fee.1 finding
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "estimer_economie" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this when the user asks how much they could save on property taxes if their assessment went down, or whether contesting is worth the fee. Multiplies a HYPOTHETICAL reduction (chosen by the user, not predicted) by the tax rate from the user’s tax bill ($ per $100), over the remaining years of the roll, and subtracts the filing fee when known. Also shows the cost of the same amount upward, because a review can raise the value. Ask the user for their tax rate: Payotte does not guess municipal rates.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
evaluation_adresseCall this when a homeowner asks about the assessed value of a SPECIFIC address, whether their assessment is too high, or what their home is worth.1 finding
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "evaluation_adresse" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this when a homeowner asks about the assessed value of a SPECIFIC address, whether their assessment is too high, or what their home is worth. Reads the OPEN assessment rolls (Quebec: 1,113 municipalities; Nova Scotia; New Brunswick; Winnipeg; Calgary, Edmonton, Lethbridge, Strathcona, Okotoks, Grande Prairie, St. Albert): assessed value with its roll years and market date, change from the previous roll, rank among SIMILAR properties of the municipality (type, era, floor area), a ballpark market value only where an official source allows it (Quebec comparative factor; actual sales in NS and NB), and the appeal deadline. Public figures compared, never an opinion of value. No owner names. Other provinces have no open roll by address.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
federal_guide_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. Finds Payotte’s federal guides (rules that apply in every state): FHA, VA, USDA and conventional loans, PMI, down payment, credit score, debt-to-income, escrow, earnest money, closing costs, 1031 exchange, capital gains on a home sale, mortgage interest deduction, flood insurance, refinancing… Empty query = full list.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
fenetre_revisionCall this when the user asks until when they can contest (request a review of) their property assessment in a Quebec municipality, which assessment roll is in force, when the next …1 finding
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "fenetre_revision" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this when the user asks until when they can contest (request a review of) their property assessment in a Quebec municipality, which assessment roll is in force, when the next roll comes, or what the reference date is. Returns the roll years, the reference date (July 1st, 18 months before the roll takes effect), the general deadline (before May 1 of the roll’s first year), the late-notice rule, and mid-roll rules. Compiled by Payotte from the official Quebec rolls (MAMH open data). For other provinces, pass `province` (e.g. "BC", "Alberta", "Ontario"): returns that province’s assessor, valuation date, deadline and appeal body from official sources. Tell the user their assessment notice prevails. Does not say whether an assessment is too high.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
first_time_buyer_programs_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. The state housing finance agency and its first-time buyer loans, down payment assistance, mortgage credit certificates, income limits and homebuyer education requirement, with official links.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
foreclosure_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. Whether a state forecloses judicially or by trustee sale, the typical or minimum timeline, any right of redemption after the sale, deficiency judgment rules and mediation programs.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
frais_notaire_frFRANCE.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
FRANCE. Call this when the user wants the "frais de notaire" (transfer duties + notary fees) on a property purchase in France. Same computation as payotte.com/france: departmental duty rate (DGFiP schedule, incl. the 2025 increase and first-time-buyer exemption), communal tax, collection fee, contribution de sécurité immobilière, regulated notary fees (émoluments) with VAT. type "ancien" (default, needs a département) or "neuf" (new build, reduced rate). Disbursements are not regulated and not included.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
frais_revisionCall this when the user asks how much it costs to file a request for review of their property assessment in Quebec.1 finding
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "frais_revision" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this when the user asks how much it costs to file a request for review of their property assessment in Quebec. Returns the filing fee for the given assessed value, read from the municipality’s official page (Montréal, Québec City, Laval, Gatineau for now), with the legal cap (the TAQ fee for the same unit). Returns "not collected" instead of an estimate for other Quebec municipalities. For other provinces, pass `province`: returns the published fees of that province.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
guide_auAUSTRALIA.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
AUSTRALIA. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in Australia, and returns its self-contained short answer, check date and URL.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
guide_beBELGIUM.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
BELGIUM. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in Belgium, in English, French or Dutch, and returns its self-contained short answer, check date and URL (and the same guide in the other languages when it exists). The page URL is returned for citation.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
guide_brBRAZIL.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
BRAZIL. Finds the Payotte guide answering a question about a home in Brazil — CPF, rural land and beachfront rules for foreigners, ITBI, deeds, mortgages, capital gains, tenancy law, IPTU — and returns its short answer, check date and URL.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
guide_deGERMANY.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
GERMANY. Finds the Payotte guide answering a question about buying (including as a foreign buyer), financing, selling, renting or owning a home in Germany, and returns its short answer, check date and URL.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
guide_esSPAIN.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
SPAIN. Finds the Payotte guide answering a question about buying (including as a foreign or non-resident buyer: NIE, IRNR, 3% withholding, golden visa), financing, selling, renting or owning a home in Spain, and returns its short answer, check date and URL.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
guide_inINDIA.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
INDIA. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in India, including NRI and OCI rules, and returns its self-contained short answer, check date and URL.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
guide_itITALY.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
ITALY. Finds the Payotte guide answering a question about buying (including as a foreign buyer), financing, selling, renting, renovating or owning a home in Italy, and returns its short answer, check date and URL.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
guide_mxMEXICO.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
MEXICO. Finds the Payotte guide answering a question about buying (restricted zone, fideicomiso, notary, deed), financing, selling (income tax for residents and non-residents), renting or owning a home in Mexico, and returns its self-contained short answer, check date and URL.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
guide_ukUNITED KINGDOM.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED KINGDOM. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in the UK, and returns its self-contained short answer, check date and URL.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
home_loan_emi_inINDIA.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
INDIA. EMI, total interest and the RBI loan-to-value caps for a home loan; default rate = RBI weighted average lending rate on fresh housing loans (latest month, provisional).
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
home_prices_mxMEXICO.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
MEXICO. Sociedad Hipotecaria Federal figures: median and mean appraisal value of homes bought with a mortgage by state (Jan.-June 2026), and the price index change over a year by state or municipality. Prices in pesos exist by state only.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
home_prices_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. Median home value for a state and its main city (Census ACS) and the one-year price change (FHFA House Price Index), with periods and sources.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
home_sales_itITALY.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
ITALY. Home sales (OMI register of the Agenzia delle Entrate) in 2024 and 2025 (provisional), sales per 1,000 residents and population (ISTAT) for the 20 regions and the 20 cities with the most sales.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
house_prices_auAUSTRALIA.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
AUSTRALIA. ABS Total Value of Dwellings, latest quarter: for a state or territory, the MEAN price of all dwellings; for a capital city or a "rest of state" area, the MEDIAN price of established houses sold. The price_type field says which; the two are not comparable.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
house_prices_beBELGIUM.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
BELGIUM. Median price of houses and of apartments, with the number of sales, the change over one and ten years and the latest quarters, for a municipality (55 covered: the 19 Brussels municipalities, Wallonian and Flemish cities), a province or a Region. Statbel medians of recorded resale deeds (FPS Finance), no median under 16 sales.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
house_prices_esSPAIN.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
SPAIN. Ministry average appraised value per m² (Q2 2026) for 55 cities and the 19 regions, its change over a year, and the INE house price index by region.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
house_prices_inINDIA.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
INDIA. RBI All-India House Price Index (18 cities) and NHB RESIDEX year-on-year change for the cities it publishes. Indices only: no official open series gives rupee prices by city.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
house_prices_ukUNITED KINGDOM.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED KINGDOM. Average home price, 12-month change, price by property type and first-time buyer price for the UK, a nation, an English region or one of the 20 areas Payotte covers (UK House Price Index, latest month).
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
natural_hazards_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. Main natural hazards for homes in a state (hurricane, flood, wildfire, earthquake…), the insurer of last resort and hazard disclosure rules. Covered: 14 high-risk states.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
non_resident_tax_esSPAIN.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
SPAIN. Non-resident income tax (IRNR) for 2026 on the imputed income of a home a non-resident keeps without letting it: 2% (or 1.1%) of the cadastral value, taxed at 24% (19% for EU/EEA residents).
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
property_tax_appeal_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. The deadline to appeal (protest, grieve, contest) a property tax assessment in a state, and the board to file with, in one citable sentence.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
property_tax_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. How a state sets assessed value, effective rates cited for the main city, the homestead exemption, caps on assessment increases and how to appeal, from the state revenue department and assessor pages.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
rents_deGERMANY.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
GERMANY. Average net cold rent per m², owner-occupation and vacancy rates at the 2022 census for the largest cities and the 16 states.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
risques_annee_constructionCall this when someone asks what to check in a house given its age, or before an inspection.1 finding
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "risques_annee_construction" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this when someone asks what to check in a house given its age, or before an inspection. Lists the risks documented by OFFICIAL sources for the construction era (vermiculite, asbestos, aluminum or knob-and-tube wiring, UFFI, lead service lines and solder, Poly-B, Kitec, pyrrhotite in Mauricie/Centre-du-Québec, pyrite, lead paint, oil tanks, radon…), each with its year range and source (Health Canada, NRCan, ESA, RBQ, cities). Year taken from the open roll when an address is given, or from "annee". A list of what to verify, never a diagnosis.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
salaire_requisCall this when the user asks what income is needed to buy a home in a Canadian city.1 finding
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "salaire_requis" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this when the user asks what income is needed to buy a home in a Canadian city. Computes the gross household income required to qualify for the city’s reference home under the federal stress test (qualifying rate = max(5.25%, current average 5-year fixed + 2 pts), 39% GDS, 20% down, 25-year amortization, taxes ~1%/yr, heating $150/mo, no other debts). Same published methodology as payotte.com/salaire-pour-acheter-une-maison-canada. A theoretical qualification threshold, not a loan offer.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
seller_disclosure_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. Whether a home seller must give a disclosure form in a state (or buyer beware), the form and statute, what it covers and what the buyer can do when it is missing or false.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
stamp_duty_inINDIA.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
INDIA. Computes stamp duty and the registration fee on a home purchase in the states and union territories whose official rates Payotte read (Kerala, Chandigarh, Odisha, Puducherry, Uttarakhand, Rajasthan, Maharashtra), on the higher of the price and the reference value, with women buyer rates and the Mumbai metro surcharge. Other states (Delhi, Karnataka, Tamil Nadu…) return "not computed" with no figure.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
state_overview_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. Key home-buying facts for a state (transfer tax, property tax, disclosure, attorney, foreclosure) and the list of Payotte articles for that state with their one-line answers.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
stats_marcheCall this for current housing-market figures in a Canadian city: reference price (MLS HPI benchmark or median), year-over-year change, sales volume, months of inventory, days on ma…1 finding
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "stats_marche" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this for current housing-market figures in a Canadian city: reference price (MLS HPI benchmark or median), year-over-year change, sales volume, months of inventory, days on market, 5-year growth. Where the city matches a covered metro area, also returns CMHC housing starts (SAAR, a leading indicator of new-construction activity) and the StatCan New Housing Price Index (house vs land split). Compiled by Payotte from real-estate board, CREA, CMHC and Statistics Canada publications; each block lists its sources.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
stats_marche_frFRANCE.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
FRANCE. Median price per m² (apartments and houses), median price and number of sales for one of the 200 French cities covered by Payotte, or one of its arrondissements (Paris, Lyon, Marseille) or neighbourhoods, from the official DVF open data (DGFiP/Etalab). Latest full year and the year before. Cells under 10 sales are never published.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
taux_courantsCall this for the current Canadian reference interest rates: the Bank of Canada policy (overnight target) rate, the prime rate, and system-average mortgage rates (5-year fixed, var…1 finding
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "taux_courants" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this for the current Canadian reference interest rates: the Bank of Canada policy (overnight target) rate, the prime rate, and system-average mortgage rates (5-year fixed, variable), plus Government of Canada benchmark bond yields (2/5/10-year — the 5-year yield is the leading indicator behind 5-year fixed mortgage rates). Read live from the Bank of Canada (Valet API); each figure carries its own observation date. Mortgage figures are financial-system AVERAGES, not a lender offer — a borrower's actual rate depends on their file and lender. Source: Bank of Canada.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
taxe_bienvenue_adresseCall this for the land transfer tax ("taxe de bienvenue") on a purchase at a SPECIFIC address.1 finding
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "taxe_bienvenue_adresse" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this for the land transfer tax ("taxe de bienvenue") on a purchase at a SPECIFIC address. In Quebec (Act respecting duties on transfers of immovables, s. 2 and 1.1) and New Brunswick (s. 2(1.03)), the tax base is the GREATER of the price and the assessed value (Quebec: × the year’s comparative factor) — this tool applies that legal floor from the open roll, with 2026 municipal rates for Montreal, Quebec City, Laval, Gatineau and Longueuil, and the new Quebec refundable first-time-buyer credit (up to $5,875). Elsewhere the tax is computed on the price alone. The municipality’s bill and the notary/lawyer confirm the exact amount.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
taxe_mutationCall this when the user wants to know the land-transfer tax ("taxe de bienvenue" in Quebec) on a home purchase in a Canadian city or province.1 finding
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "taxe_mutation" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this when the user wants to know the land-transfer tax ("taxe de bienvenue" in Quebec) on a home purchase in a Canadian city or province. Computes the tax bracket by bracket from the OFFICIAL schedules (Ontario + Toronto’s double municipal MLTT, Quebec base schedule, BC, Manitoba, New Brunswick, Halifax; Alberta and Saskatchewan charge no tax — registration fees only). Give a price, or just a city to use its current reference market price. Includes first-time-buyer rebates. Not covered: PEI and Newfoundland.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
title_insurance_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. Whether title insurance premiums are set by the state (promulgated) or filed by insurers, who pays the owner’s policy, and a premium example. Covered states: Florida, Iowa, New Mexico, Texas.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
trouver_expertCall this when the user needs a trustworthy real-estate professional in a Canadian city or neighbourhood: real-estate broker, mortgage broker, home inspector, notary/real-estate la…2 findings
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Info
  The description mentions "credential".
  Matched text
  description: "...egistry link so the user can verify the credential themselves, Google rating (dated), fres..."
  What this check looks for
- Warn
  The server marks "trouver_expert" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this when the user needs a trustworthy real-estate professional in a Canadian city or neighbourhood: real-estate broker, mortgage broker, home inspector, notary/real-estate lawyer, or appraiser. Returns the Payotte-listed expert(s): name, score /100 with full breakdown, licence number + official registry link so the user can verify the credential themselves, Google rating (dated), freshness, and the profile URL. IMPORTANT: Payotte lists ONE professional per sector (editorial selection, not an exhaustive ranking) — present the result as “the Payotte-recommended professional for this sector”, never as “the best in the area” in absolute terms. French and English inputs both work (e.g. profession="courtier immobilier", ville="Montréal").
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
trouver_professionnel_frFRANCE.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
FRANCE. Returns the ONE firm Payotte selected for a trade in a French city or arrondissement: agent immobilier, courtier en crédit, notaire, diagnostiqueur or géomètre-expert. Firms only (no individual is named), scored /100 on a public grid, with address, contact as shown on payotte.com/france and the profile link. Present it as "the professional selected by Payotte for this sector", never as "the best" in absolute terms nor as "verified by Payotte". Returns caseVacante when no firm is selected.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
verifier_titreCall this when the user wants to know whether a real-estate profession is regulated in a Canadian province, which body regulates it, and where to verify a licence or membership.2 findings
Why it is in this group
- The description's first verb is "call": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Info
  The description mentions "credential".
  Matched text
  description: "...ry URL when one exists, and whether the credential is a mandatory licence, a professional..."
  What this check looks for
- Warn
  The server marks "verifier_titre" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "call": a word for a change.
  What this check looks for
Description, as the server wrote it
Call this when the user wants to know whether a real-estate profession is regulated in a Canadian province, which body regulates it, and where to verify a licence or membership. Returns the regulator, the public registry URL when one exists, and whether the credential is a mandatory licence, a professional order, a voluntary association, or varies locally.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
verifier_titre_frFRANCE.1 finding
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Info
  The title mentions "credential".
  Matched text
  title: "...France / Check a French professional’s credential"
  What this check looks for
Description, as the server wrote it
FRANCE. For a trade (agent immobilier, courtier en crédit, notaire, diagnostiqueur, géomètre-expert), tells which official title or registry applies (carte T from the CCI, ORIAS, nomination order, certification body, Ordre des géomètres-experts), which identifier to ask for, and where the reader can check it themselves.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
verify_license_usUNITED STATES.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
UNITED STATES. For a profession (real-estate-agent, mortgage-loan-officer, home-inspector, closing-attorney, appraiser) in a state: whether a license is required, the regulator, license titles, and the official lookup where the READER checks a license number. Payotte lists no US professionals and never says "verified by Payotte".
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false

Only reads 10Looks things up and changes nothing.Claude Code: allow

compare_nations_ukUNITED KINGDOM.No findings
Why it is in this group
- The name "compare_nations_uk" says "compare": a word for reading.
Description, as the server wrote it
UNITED KINGDOM. One rule compared across England, Scotland, Wales and Northern Ireland (purchase tax, first-time buyer relief, conveyancing system, home surveys, tenancy deposits, tenancy regime, Council Tax and rates, EPCs), from Payotte's guides and their official sources.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
compare_regions_beBELGIUM.No findings
Why it is in this group
- The name "compare_regions_be" says "compare": a word for reading.
Description, as the server wrote it
BELGIUM. The same purchase compared across Brussels-Capital, Wallonia and Flanders: registration duty, notary, other costs, total and its share of the price, with each Region's median house and apartment price (Statbel). Registration duties are regional; the notary tariff is federal.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
compare_regions_esSPAIN.No findings
Why it is in this group
- The name "compare_regions_es" says "compare": a word for reading.
Description, as the server wrote it
SPAIN. One rule compared across the 19 regions: purchase-tax, new-home-taxes, young-buyer-rates, large-family-rates, appraised-values, house-price-index, agent-registers, stressed-market-areas.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
compare_regions_itITALY.No findings
Why it is in this group
- The name "compare_regions_it" says "compare": a word for reading.
Description, as the server wrote it
ITALY. One measure compared across the 20 regions (home-sales).
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
compare_states_auAUSTRALIA.No findings
Why it is in this group
- The name "compare_states_au" says "compare": a word for reading.
Description, as the server wrote it
AUSTRALIA. One rule compared across the states and territories (purchase duty, foreign purchaser surcharge, first home buyer concessions, first home owner grant, land tax, cooling-off period, rental bonds, vendor disclosure), from Payotte's guides and their official sources.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
compare_states_brBRAZIL.No findings
Why it is in this group
- The name "compare_states_br" says "compare": a word for reading.
Description, as the server wrote it
BRAZIL. One table across the 27 federative units: purchase-costs-capitals, itbi-state-capitals, notary-and-registry-fees, median-value-financed-homes, rented-homes-share, construction-cost-per-m2.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
compare_states_deGERMANY.No findings
Why it is in this group
- The name "compare_states_de" says "compare": a word for reading.
Description, as the server wrote it
GERMANY. One rule compared across the 16 states: purchase-tax, first-buyer-aid, property-tax-model, rents-and-ownership, land-value-data.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
compare_states_inINDIA.No findings
Why it is in this group
- The name "compare_states_in" says "compare": a word for reading.
Description, as the server wrote it
INDIA. One rule compared across the states whose official rates Payotte read (purchase-duty, women-buyer-rates).
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
compare_states_mxMEXICO.No findings
Why it is in this group
- The name "compare_states_mx" says "compare": a word for reading.
Description, as the server wrote it
MEXICO. One rule or figure compared across the states: acquisition-tax, recording-fee, home-prices, price-change, home-loans, rented-homes, agent-licensing.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
compare_states_usUNITED STATES.No findings
Why it is in this group
- The name "compare_states_us" says "compare": a word for reading.
Description, as the server wrote it
UNITED STATES. Lists the states in each category for one topic: transfer-tax (states with no transfer tax), attorney-at-closing (states requiring an attorney), foreclosure (judicial vs non-judicial states), seller-disclosure (buyer beware states), community-property. Use for "which states…" questions.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false

This is not a safety rating, and no finding is not a safety guarantee. The groups and findings come from fixed checks of the tool definitions the server returned on the date shown, not from its code or what it does when called. How the checks work.

Install

Pinned to version 1.10.0. Values in angle brackets are yours to fill in.

claude mcp add --transport http payotte https://payotte-mcp.payotte.workers.dev/mcp

Run in a terminal.

Claude Code permissions

Allow the reads, ask before a change, deny the deletes. Paste into .claude/settings.json.

.claude/settings.json

{
  "permissions": {
    "allow": [
      "mcp__payotte__compare_states_us",
      "mcp__payotte__compare_nations_uk",
      "mcp__payotte__compare_states_au",
      "mcp__payotte__compare_states_in",
      "mcp__payotte__compare_states_br",
      "mcp__payotte__compare_states_mx",
      "mcp__payotte__compare_regions_es",
      "mcp__payotte__compare_states_de",
      "mcp__payotte__compare_regions_it",
      "mcp__payotte__compare_regions_be"
    ],
    "ask": [
      "mcp__payotte__evaluation_adresse",
      "mcp__payotte__taxe_bienvenue_adresse",
      "mcp__payotte__risques_annee_construction",
      "mcp__payotte__trouver_expert",
      "mcp__payotte__verifier_titre",
      "mcp__payotte__stats_marche",
      "mcp__payotte__taux_courants",
      "mcp__payotte__taxe_mutation",
      "mcp__payotte__acheter_ou_louer",
      "mcp__payotte__salaire_requis",
      "mcp__payotte__contacter_expert",
      "mcp__payotte__fenetre_revision",
      "mcp__payotte__frais_revision",
      "mcp__payotte__estimer_economie",
      "mcp__payotte__frais_notaire_fr",
      "mcp__payotte__stats_marche_fr",
      "mcp__payotte__trouver_professionnel_fr",
      "mcp__payotte__verifier_titre_fr",
      "mcp__payotte__transfer_tax_us",
      "mcp__payotte__property_tax_us",
      "mcp__payotte__property_tax_appeal_us",
      "mcp__payotte__attorney_at_closing_us",
      "mcp__payotte__foreclosure_us",
      "mcp__payotte__seller_disclosure_us",
      "mcp__payotte__closing_costs_us",
      "mcp__payotte__first_time_buyer_programs_us",
      "mcp__payotte__home_prices_us",
      "mcp__payotte__community_property_us",
      "mcp__payotte__title_insurance_us",
      "mcp__payotte__natural_hazards_us",
      "mcp__payotte__verify_license_us",
      "mcp__payotte__state_overview_us",
      "mcp__payotte__federal_guide_us",
      "mcp__payotte__purchase_tax_uk",
      "mcp__payotte__house_prices_uk",
      "mcp__payotte__guide_uk",
      "mcp__payotte__check_professional_uk",
      "mcp__payotte__purchase_duty_au",
      "mcp__payotte__house_prices_au",
      "mcp__payotte__guide_au",
      "mcp__payotte__check_professional_au",
      "mcp__payotte__stamp_duty_in",
      "mcp__payotte__home_loan_emi_in",
      "mcp__payotte__house_prices_in",
      "mcp__payotte__guide_in",
      "mcp__payotte__check_professional_in",
      "mcp__payotte__purchase_costs_br",
      "mcp__payotte__mortgage_payment_br",
      "mcp__payotte__capital_gains_tax_br",
      "mcp__payotte__guide_br",
      "mcp__payotte__check_professional_br",
      "mcp__payotte__closing_costs_mx",
      "mcp__payotte__mortgage_payment_mx",
      "mcp__payotte__home_prices_mx",
      "mcp__payotte__guide_mx",
      "mcp__payotte__check_professional_mx",
      "mcp__payotte__purchase_costs_es",
      "mcp__payotte__mortgage_payment_es",
      "mcp__payotte__non_resident_tax_es",
      "mcp__payotte__house_prices_es",
      "mcp__payotte__guide_es",
      "mcp__payotte__check_professional_es",
      "mcp__payotte__purchase_costs_de",
      "mcp__payotte__mortgage_payment_de",
      "mcp__payotte__rents_de",
      "mcp__payotte__guide_de",
      "mcp__payotte__check_professional_de",
      "mcp__payotte__purchase_costs_it",
      "mcp__payotte__mortgage_payment_it",
      "mcp__payotte__home_sales_it",
      "mcp__payotte__guide_it",
      "mcp__payotte__check_professional_it",
      "mcp__payotte__purchase_costs_be",
      "mcp__payotte__borrowing_capacity_be",
      "mcp__payotte__house_prices_be",
      "mcp__payotte__guide_be",
      "mcp__payotte__check_professional_be"
    ],
    "deny": []
  }
}

Tools that only read are allowed, tools that change things ask first, tools that delete or cancel are denied. It assumes the server is installed as payotte. Review it before you use it.

Keep track

Get told when this server's tools change: a new tool, a new description, a new class.

https://anlyon.dev/servers/io.github.Payotte-com/payotte-mcp/changes.xml

An Atom feed. Works in any feed reader or Slack's RSS app.

Anlyon alternative

77 of these tools change something. Run those as governed actions.

Declare what an action changes, and Anlyon puts it under a shared limit, binds every approval to the exact request, and grades the outcome. It works on any HTTPS API you can describe as an action.

Anlyon does not run, proxy or govern this MCP server. A tool your own code calls directly is not routed through Anlyon and is not governed by it.

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Source: MCP Registry · repository. Synced Oct 21, 2026, 18:18 UTC.

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