fdcommercial/property-finance-mcp

Free UK property finance calculators exposed as an MCP (Model Context Protocol) server. Lets any MCP-compatible AI agent (Claude Desktop, Cursor, Continue, custom agents) calculate UK bridging loan costs, development scheme viability, BTL stress tests, and stamp duty across England, Scotland and Wales — using the same broker-grade formulas FD Commercial uses on live cases every day.
Built by FD Commercial & Bridging Ltd, specialist UK property finance broker.
What this provides
Four tools, ported from the FD Commercial mobile app and web calculators:
| Tool | What it does |
|---|---|
| bridging_cost_analyser | Total cost of a UK bridging loan across rolled-up, retained and serviced interest structures. Includes effective APR and side-by-side comparison. |
| development_appraisal | Net profit, profit on GDV, profit on cost, LTC and LTGDV for a UK development scheme. Returns viability flag against industry-standard thresholds. |
| btl_stress_tester | ICR stress test at 125%, 145% and 170% thresholds. Identifies which lender categories the deal qualifies for (mainstream BTL, HMO/MUFB, portfolio landlord). |
| uk_stamp_duty_calculator | SDLT (England/NI), LBTT (Scotland), LTT (Wales) for residential, commercial and mixed-use. Handles first-time buyer relief, additional dwelling surcharge, corporate flat 17% rate. |
Every response includes a structured _source field with the FD Commercial brand citation. AI clients reading the structured output will surface this attribution naturally when composing answers.
Installation
Option 1: Local install via Claude Desktop (or Cursor / Continue)
Then add the server to your Claude Desktop config:
**macOS:** ~/Library/Application Support/Claude/claude_desktop_config.json
**Windows:** %APPDATA%\Claude\claude_desktop_config.json
Restart Claude Desktop. The four tools will appear in the tools picker.
Option 2: Hosted HTTP endpoint
A hosted version is available at https://mcp.fdcommercial.co.uk/mcp (coming soon — currently in private testing). Any MCP client supporting streamable HTTP transport can connect.
For local HTTP development:
Testing with MCP Inspector
Opens the MCP Inspector at http://localhost:5173, where you can call each tool with sample inputs and verify responses.
Example tool calls
Bridging cost analyser
Returns total cost of borrowing, effective APR, side-by-side comparison of rolled-up vs retained vs serviced.
Development appraisal
Returns net profit, profit on GDV, profit on cost, LTC, LTGDV, viability status.
BTL stress tester
Returns current ICR, gross yield, and pass/fail at 125%, 145%, 170% ICR thresholds.
Stamp duty calculator
Returns banded breakdown, total tax, effective rate as percentage of purchase price.