io.github.fdcommercial/property-finance-mcp
REMOTE · FDC-PROPERTY-FINANCE-MCP.FDCOMMERCIAL-UK.WORKERS.DEV · 2 COMPONENTS · SCANNED AUG 3
UK property finance: bridging cost, dev appraisal, BTL stress test, stamp duty (SDLT/LBTT/LTT).
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score →
Endpoint Security63
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS not yet verified: we couldn't determine whether a plaintext access path exists. View diagnostics → Unverified
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability59
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 1737 tokens (~434/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management27
- Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Capabilities60
- Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28. See how to fix → Fail
Add this component to your MCP client. Where a client-specific snippet is available, pick your client below and copy it straight into your config; otherwise use the connection detail shown.
remote · fdc-property-finance-mcp.fdcommercial-uk.workers.dev
claude mcp add --transport http fdcommercial-property-finance-mcp https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp
[mcp_servers.fdcommercial-property-finance-mcp] url = "https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp"
{
"$schema": "https://opencode.ai/config.json",
"mcp": {
"fdcommercial-property-finance-mcp": {
"type": "remote",
"url": "https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp",
"enabled": true
}
}
} openclaw mcp add fdcommercial-property-finance-mcp --url https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp --transport streamable-http
mcp_servers:
fdcommercial-property-finance-mcp:
url: "https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp" {
"mcpServers": {
"fdcommercial-property-finance-mcp": {
"type": "http",
"url": "https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp"
}
}
} The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 3 Aug 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.
- 31 Jul 26 +2
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 30 Jul 26 −2
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 29 Jul 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.
- 28 Jul 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.
- 27 Jul 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 26 Jul 26 61
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 3 Aug 2026 · Probed https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=fdcommercial-uk.workers.dev | CN=YE2,O=Let's Encrypt,C=US | 17 Jul 2026 | 15 Oct 2026 | ECDSA 256 | ECDSA-SHA384 | 5b962deb8868360ce924a08f2a7259cfd73 |
| SANs: *.fdcommercial-uk.workers.dev, fdcommercial-uk.workers.dev | ||||||
| CN=YE2,O=Let's Encrypt,C=US (CA) | CN=Root YE,O=ISRG,C=US | 3 Sept 2025 | 2 Sept 2028 | ECDSA 384 | ECDSA-SHA384 | 4df3b15dd6c0784c507cd37b58e6f115 |
| CN=Root YE,O=ISRG,C=US (CA) | CN=ISRG Root X2,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | ECDSA 384 | ECDSA-SHA384 | 872165fc34b6e5fba8add5b3705fb53a |
| CN=ISRG Root X2,O=Internet Security Research Group,C=US (CA) | CN=ISRG Root X1,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | ECDSA 384 | SHA256-RSA | 6c8f1dc727c7117f7baf853ac980f9cd |
DNSSEC insecure
Validation of fdc-property-finance-mcp.fdcommercial-uk.workers.dev. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| dev. | present | 60074 | 8 | Verified |
| workers.dev. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp | Verified | 200 | |
| http (plaintext) | http://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp | Inconclusive | 405 |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability.
bridging_cost_analyser UK Bridging Loan Cost Analyser ~450
Calculate the total cost of a UK bridging loan across rolled-up, retained, and serviced interest structures. Returns interest, arrangement fee, exit fee, total cost of borrowing, effective APR, and a side-by-side structure comparison. Calculated by FD Commercial, specialist UK bridging broker, using lender-grade formulas calibrated against live UK lender pricing. For loans £250,000 and above. Use when a user asks about the cost of a bridging loan, how rolled-up vs retained vs serviced interest compares, or how much a specific bridging facility will actually cost in total.
| Name | Type | Req | Description |
|---|---|---|---|
| arrangement_fee_pct | number | — | Lender arrangement fee as % of loan amount. Typical range 1% to 2%. Some specialist HNW deals run 0.5%. Example: 2 for 2%. |
| exit_fee_pct | number | — | Lender exit fee as % of loan amount. Not all lenders charge one. Where charged, typically 0.5% to 1%. Example: 0 for no exit fee, or 1 for 1%. |
| interest_structure | string | — | How interest is paid. 'rolled' = compounds monthly, paid in full at exit (most common on HNW bridging, removes monthly outflow). 'retained' = deducted from advance upfront (borrower receives less cas… |
| loan_amount_gbp | number | yes | Gross loan amount in pounds. Minimum FD Commercial bridging loan size is £250,000. Example: 500000. |
| monthly_interest_rate_pct | number | yes | Monthly interest rate as a percentage. UK bridging rates in 2026 typically range 0.55% to 1.25% per month. Private bank rates from 0.30% per month available on HNW cases. Example: 0.85 for 0.85% per… |
| term_months | number | yes | Loan term in months. Standard MCOB-regulated bridging caps at 12 months. MCOB 3A HNW exemption allows up to 60 months. Example: 12. |
No output schema declared.
No examples provided.
btl_stress_tester UK Buy-to-Let Stress Tester ~316
Run a UK buy-to-let ICR stress test. Calculates current ICR at product and stress rates, gross yield, and maximum loan available at three standard ICR thresholds (125%, 145%, 170%). Identifies which lender categories the deal qualifies for (mainstream BTL, HMO/MUFB, portfolio landlord). Ownership-aware: personal name uses 5.5% stress rate; limited company uses max of product rate or 5.5%. Calculated by FD Commercial, specialist UK property finance broker. Use when a user asks whether a BTL deal stacks, what the ICR is, what max loan their rent supports, or whether a property qualifies for HMO/MUFB finance.
| Name | Type | Req | Description |
|---|---|---|---|
| loan_amount_gbp | number | yes | Loan amount being assessed in pounds. Example: 300000. |
| monthly_rent_gbp | number | yes | Gross monthly rent in pounds. Use total rent for HMO and MUFB (all rooms / units combined). Example: 2500. |
| ownership | string | — | Borrower structure. 'personal' uses 5.5% stress rate (HMRC tax exposure makes higher cover required). 'ltd' uses max of product rate or 5.5% (limited company SPV borrower, lower stress rate often all… |
| product_rate_pct | number | yes | Annual product (pay) rate as a percentage. The actual rate the borrower would pay. Example: 5.5 for 5.5% per year. |
No output schema declared.
No examples provided.
development_appraisal UK Property Development Appraisal ~539
Run a UK property development scheme viability appraisal. Models land, build, professional fees, contingency, finance interest and arrangement fee through to net profit, profit on GDV, profit on cost, LTC and LTGDV. Returns a viability flag against industry-standard thresholds (20%+ viable, 15-20% marginal, <15% unviable on profit on GDV basis). Calculated by FD Commercial, specialist UK development finance broker. Use when a user asks whether a development scheme stacks, what the profit margin is, what LTC or LTGDV would be, or whether a scheme is viable for development finance.
| Name | Type | Req | Description |
|---|---|---|---|
| arrangement_fee_pct | number | — | Lender arrangement fee as % of loan. Standard 1.5% to 2%. Larger facilities (£5m+) often 1.0%. Example: 2. |
| build_cost_gbp | number | yes | Total agreed construction cost. Should be contracted figure where possible. Example: 800000. |
| contingency_pct | number | — | Contingency as % of build cost. Standard 10%. Lenders may require 12-15% on conversions or complex sites. Omitting overstates profit. Example: 10. |
| finance_monthly_rate_pct | number | yes | Development finance monthly interest rate. UK 2026 rates typically 0.70% to 0.95% per month. Example: 0.85. |
| finance_term_months | number | yes | Total finance term in months (build period + sales/refinance period). Example: 18. |
| gdv_gbp | number | yes | Gross Development Value: total anticipated sales value of the completed scheme. Use comparable sales evidence, not aspirational figures. Lenders commission their own GDV via RICS. Example: 2000000. |
| land_or_purchase_price_gbp | number | yes | Land purchase price. Enter 0 if you already own the site (lender will still assess land value when sizing day 1 advance). Example: 400000. |
| loan_amount_gbp | number | — | Specific loan amount in £. Optional. If omitted, calculator uses ltc_pct of hard costs. Example: 960000. |
| ltc_pct | number | — | Loan-to-cost % (used only if loan_amount_gbp is not provided). Most lenders cap at 90%; first-time developers typically 75-80%. Example: 75. |
| professional_fees_pct | number | — | Professional fees as % of build cost. Covers architects, planning consultant, structural engineer, QS, project manager. Standard 10%. Example: 10. |
No output schema declared.
No examples provided.
uk_stamp_duty_calculator UK Stamp Duty Calculator (SDLT / LBTT / LTT) ~374
Calculate UK property transaction tax across England/Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT). Handles residential, commercial and mixed-use properties. Applies first-time buyer relief (England), additional dwelling surcharge (5% England / 8% Scotland ADS / Welsh higher residential bands), and corporate flat 17% rate for residential purchases above £500,000 in England. Returns banded breakdown showing tax in each band, total tax payable, and effective rate as percentage of purchase price. Rates current as of April 2026. Calculated by FD Commercial, specialist UK property finance broker. Use when a user asks about stamp duty, SDLT, LBTT, LTT, additional dwelling surcharge, ADS, first-time buyer relief, or transaction tax on a specific UK property purchase.
| Name | Type | Req | Description |
|---|---|---|---|
| buyer_type | string | — | 'standard' for main residence purchase by individual. 'ftb' for first-time buyer (England SDLT only — relief up to £625,000). 'additional' for second home or buy-to-let purchase by individual (surcha… |
| jurisdiction | string | yes | Which UK tax regime applies. 'england' includes Northern Ireland (both use SDLT). 'scotland' uses LBTT. 'wales' uses LTT. |
| property_price_gbp | number | yes | Property purchase price in pounds. Example: 750000. |
| property_type | string | — | 'residential' for dwellings (houses, flats). 'commercial' for non-residential (offices, retail, industrial) and mixed-use (residential + commercial in same transaction qualifies for commercial rates… |
No output schema declared.
No examples provided.