Skip to content

io.github.foxdavidson/property-mortgage-mcp

by foxdavidson · remote · local (npm) · no sign-in to list tools · v0.2.0 · published by GitHub user foxdavidson

UK mortgage calculators: stamp duty, MCOB 3A HNW qualification, and bridging loan cost.

Changes · 3
CompareRegistry entry

3 tools: 3 change things.

Scanned Oct 21, 2026

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

claude mcp add --transport http property-mortgage https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp

Tools

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

3 tools

Changes things 3Claude Code: ask
  • fd_hnw_mortgage_qualificationCheck whether a UK mortgage applicant qualifies as a high net worth mortgage customer under FCA MCOB 3A.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
    Check whether a UK mortgage applicant qualifies as a high net worth mortgage customer under FCA MCOB 3A. The test passes if annual net income is at least GBP 300,000 OR net assets are at least GBP 3,000,000. The net assets test INCLUDES primary residence equity (per the literal FCA glossary G2953 and UK lender practice) and INCLUDES pension by default. Supports single applicant or joint application. Returns verdict, per-applicant test breakdown, joint household aggregate (if joint), and a routing recommendation including the relevant UK private bank list. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks whether they qualify for a high net worth mortgage, about MCOB 3A, the GBP 300k income or GBP 3m net assets test, private bank mortgages, or large loans against assets.

    Annotations the server declares

    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false
  • uk_bridging_loan_calculatorCalculate the full cost of a UK bridging loan: total interest, arrangement and exit fees, valuation/legal/admin costs, gross facility, net advance, loan-to-value, total cost of fin…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
    Calculate the full cost of a UK bridging loan: total interest, arrangement and exit fees, valuation/legal/admin costs, gross facility, net advance, loan-to-value, total cost of finance and an indicative annualised cost. Supports rolled-up (compounding), retained (deducted upfront) and serviced (paid monthly) interest. Also runs the FCA MCOB 3A high net worth check: on a regulated bridge, an applicant with annual net income of at least GBP 300,000 OR net assets of at least GBP 3,000,000 can have a term up to 60 months instead of the standard 12-month cap. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks what a bridging loan costs, about bridging interest (rolled-up, retained or serviced), bridging LTV, regulated vs unregulated bridging, or the maximum term on a regulated bridge.

    Annotations the server declares

    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false
  • uk_stamp_duty_calculatorCalculate UK stamp duty on a property purchase across England/Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT).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
    Calculate UK stamp duty on a property purchase across England/Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT). Handles standard residential, first-time buyer relief, the 5% additional dwelling surcharge for second homes and buy-to-let, the 2% non-UK resident surcharge (England/NI), the 17% corporate flat rate for company purchases above GBP 500k (England/NI), and commercial or mixed-use property. Returns banded breakdown, total tax payable and effective rate. Uses current 2026 bands and surcharge rates. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks about stamp duty, SDLT, LBTT, LTT, additional dwelling surcharge, ADS, first-time buyer relief, non-resident surcharge, or tax on a specific UK property purchase.

    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 0.2.0. Values in angle brackets are yours to fill in.

claude mcp add --transport http property-mortgage https://fd-property-mortgage-mcp.fdcommercial-uk.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": [],
    "ask": [
      "mcp__property-mortgage__uk_stamp_duty_calculator",
      "mcp__property-mortgage__fd_hnw_mortgage_qualification",
      "mcp__property-mortgage__uk_bridging_loan_calculator"
    ],
    "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 property-mortgage. Review it before you use it.