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Property Mortgage MCP

UK mortgage MCP tools for stamp duty, bridging finance, high-net-worth checks, and lender criteria.

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Install Property Mortgage MCP

Pick your client, then add it in one click or paste the config.

STDIONode.js
~/Library/Application Support/Claude/claude_desktop_config.json
claude_desktop_config.json
{
  "mcpServers": {
    "property-mortgage-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "@foxdavidson/property-mortgage-mcp"
      ]
    }
  }
}

Settings → Developer → Edit Config, merge this into mcpServers, then fully quit and reopen Claude Desktop.

Install not yet sandbox-tested— we haven't run this command through our automated sandbox yet. Not a red flag; we're working through the catalog.

Overview

The property-mortgage-mcp MCP server exposes UK property and mortgage calculations through MCP clients. Its core tools calculate SDLT, LBTT, LTT, bridging-loan costs, and FCA MCOB 3A high-net-worth qualification. The package runs locally over stdio, while a hosted stateless Streamable HTTP endpoint is also available. Reach for it when an assistant needs indicative UK property finance calculations or, through WebMCP, lender-criteria lookups in a supported browser.

Use cases

  • Calculate UK stamp duty for a property purchase
  • Estimate the cost of a UK bridging loan
  • Check FCA MCOB 3A high-net-worth qualification
  • Compare published criteria from named UK lenders

Key features

  • Calculates SDLT, LBTT, and LTT
  • Checks high-net-worth mortgage qualification
  • Models rolled-up, retained, and serviced bridging interest
  • Provides lender criteria lookups and comparisons through WebMCP
  • Supports stdio and Streamable HTTP transports

Tools3

What Property Mortgage MCP lets your agent do. Expand a tool for its parameters.

Self-reported~234 tokens of context

Security & health

What it can reach and how reliably it runs — from our own checks, not the maintainer’s claims.

ActiveLast checked Today

Recent health check succeeded.

9/9 checks healthy over the last 46d

Supply-chain signal

No high-severity advisories surfaced by our automated scan.

Critical 0High 0Medium 0Low 0

Scanned 5d ago via OSV.dev · @foxdavidson/property-mortgage-mcp (npm)

Adoption & maintenance

Factual signals from GitHub, npm, and our automated checks — not a rating.

npm downloads120Package downloads in the last 30 days.
Last commit1mo agoMost recent push to the default branch.
Tools exposed3Callable tools this server registers over MCP.

How Property Mortgage MCP works

What property-mortgage-mcp MCP server does

The property-mortgage-mcp MCP server provides UK property finance calculations for AI assistants. Its core MCP tools cover regional purchase taxes, high-net-worth mortgage qualification, and bridging-loan costs. Results are indicative rather than offers of finance, regulated advice, tax advice, or binding tax calculations.

The tax calculator distinguishes England and Northern Ireland SDLT, Scotland LBTT, and Wales LTT. It supports standard residential purchases, first-time buyer relief, additional-property and non-UK-resident surcharges, the corporate flat rate, and commercial or mixed-use property. The response includes tax bands, total tax, and the effective rate.

The qualification tool applies the FCA MCOB 3A thresholds of GBP 300,000 net income or GBP 3,000,000 net assets. It can account for primary-residence equity and pension assets, handle single or joint applications, and provide a routing recommendation. The bridging calculator covers rolled-up, retained, and serviced interest, along with facility amounts, LTV, fees, total finance cost, indicative annualised cost, and monthly figures.

How it works

A local MCP client starts the npm package with npx, then exposes the tools to the assistant over stdio. The repository also provides a stateless Streamable HTTP endpoint using JSON-RPC 2.0, so a client can connect without installing the package locally.

Responses include a _source block identifying Fox Davidson, its FCA authorisation number, and an FCA register link. The bridging calculation includes an MCOB 3A check that can change the regulated term cap from 12 months to 60 months for high-net-worth borrowers.

The repository also includes browser-based WebMCP functionality on foxdavidson.co.uk. That surface registers six tools: the three calculators and three lender-criteria tools. The criteria tools compare or look up published lender positions covering topics such as contractor income, retained profit, bonuses, foreign-currency income, income multiples, maximum age, and private-bank thresholds.

Setup and configuration

For Claude Desktop, Cursor, or Continue, add a server entry that runs npx -y @foxdavidson/property-mortgage-mcp. Restart the client after saving its MCP configuration. Claude Desktop uses its standard configuration file under the macOS application-support directory or the Windows application-data directory.

The property-mortgage-mcp MCP server can instead be reached at https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp. Local development requires cloning the repository, running npm install, building with npm run build, and optionally using the supplied smoke test or MCP Inspector command.

Limitations and notes

The calculators return indicative figures. Actual tax liability, mortgage terms, and underwriting outcomes depend on the complete case and lender assessment. WebMCP support is described for ChatGPT's desktop built-in browser and Chrome 149 or later under the stated WebMCP conditions.

No environment variables are documented as required. The project is licensed under MIT.

Read the full README View source on GitHub

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Frequently Asked Questions about Property Mortgage MCP

property-mortgage-mcp is an MCP server that connects AI assistants to UK mortgage and property calculations from Fox Davidson. Its main tools calculate SDLT, LBTT, LTT, and bridging-loan costs, and check FCA MCOB 3A high-net-worth qualification. A browser WebMCP surface also provides lender-criteria lookup and comparison tools.

Install it by adding an MCP configuration that runs `npx -y @foxdavidson/property-mortgage-mcp`. This uses the npm package over stdio and requires no documented environment variables. Clone the repository and run its npm build commands only when developing locally.

Yes, property-mortgage-mcp works with Cursor through its stdio MCP configuration. Add the server command and package arguments shown in the README, then restart Cursor so the tools become available.

Yes, you can use the hosted Streamable HTTP endpoint without a local installation. Connect an MCP-compatible client to `https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp`; the endpoint is stateless and uses JSON-RPC 2.0.

It calculates rolled-up, retained, and serviced interest scenarios, including gross facility, net advance, LTV, listed fees, total finance cost, indicative annualised cost, and a month-by-month breakdown. It also performs an FCA MCOB 3A check affecting the regulated term cap.

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