# io.github.fdcommercial/property-finance-mcp (remote · fdc-property-finance-mcp.fdcommercial-uk.workers.dev)

UK property finance: bridging cost, dev appraisal, BTL stress test, stamp duty (SDLT/LBTT/LTT).

- Trust score: 64/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `fdc-property-finance-mcp.fdcommercial-uk.workers.dev`: 64/100 (this document), [markdown](https://verifymcp.io/servers/fdcommercial-property-finance-mcp/fdc-property-finance-mcp.md), [page](https://verifymcp.io/servers/fdcommercial-property-finance-mcp/fdc-property-finance-mcp)
- npm · `@fdcommercial/property-finance-mcp`: 62/100, [markdown](https://verifymcp.io/servers/fdcommercial-property-finance-mcp/fdcommercial-property-finance-mcp.md), [page](https://verifymcp.io/servers/fdcommercial-property-finance-mcp/fdcommercial-property-finance-mcp)

## Channel facts

- Endpoint: `https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.1.1`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS not yet verified: we couldn't determine whether a plaintext access path exists.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 59/100
  - AI-judged instruction clarity (excellent).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Capabilities**: 60/100
  - Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http fdcommercial-property-finance-mcp https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp
```

### Codex

```toml
[mcp_servers.fdcommercial-property-finance-mcp]
url = "https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp"
```

### opencode

```json
{
  "$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

```bash
openclaw mcp add fdcommercial-property-finance-mcp --url https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  fdcommercial-property-finance-mcp:
    url: "https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp"
```

### Other

```json
{
  "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.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-03 (score 64, +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.

### 2026-07-31 (score 63, +2)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 61, −2)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-29 (score 63, +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.

### 2026-07-28 (score 62, +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.

### 2026-07-27 (score 61, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-26 (score 61)

First indexed and scored.

## MCP tools (4)

### `bridging_cost_analyser` (~450 tokens)

UK Bridging Loan Cost Analyser

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.

Input parameters:

- `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, required): Gross loan amount in pounds. Minimum FD Commercial bridging loan size is £250,000. Example: 500000.
- `monthly_interest_rate_pct` (number, required): 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, required): Loan term in months. Standard MCOB-regulated bridging caps at 12 months. MCOB 3A HNW exemption allows up to 60 months. Example: 12.

### `development_appraisal` (~539 tokens)

UK Property Development Appraisal

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.

Input parameters:

- `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, required): 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, required): Development finance monthly interest rate. UK 2026 rates typically 0.70% to 0.95% per month. Example: 0.85.
- `finance_term_months` (number, required): Total finance term in months (build period + sales/refinance period). Example: 18.
- `gdv_gbp` (number, required): 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, required): 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.

### `btl_stress_tester` (~316 tokens)

UK Buy-to-Let Stress Tester

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.

Input parameters:

- `loan_amount_gbp` (number, required): Loan amount being assessed in pounds. Example: 300000.
- `monthly_rent_gbp` (number, required): 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, required): Annual product (pay) rate as a percentage. The actual rate the borrower would pay. Example: 5.5 for 5.5% per year.

### `uk_stamp_duty_calculator` (~374 tokens)

UK Stamp Duty Calculator (SDLT / LBTT / LTT)

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.

Input parameters:

- `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, required): Which UK tax regime applies. 'england' includes Northern Ireland (both use SDLT). 'scotland' uses LBTT. 'wales' uses LTT.
- `property_price_gbp` (number, required): 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…

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/fdcommercial-property-finance-mcp/fdc-property-finance-mcp#diagnostics

## Score history

- 2026-08-03: 64
- 2026-08-02: 63
- 2026-08-01: 63
- 2026-07-31: 63
- 2026-07-30: 61
- 2026-07-29: 63
- 2026-07-28: 62
- 2026-07-27: 61
- 2026-07-26: 61

## Links

- Remote endpoint: https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp
- Repository: https://github.com/fdcommercial/property-finance-mcp
- Website: https://www.fdcommercial.co.uk/finance-guide/uk-property-finance-mcp-ai-assistants/
- Changelog RSS feed: https://verifymcp.io/servers/fdcommercial-property-finance-mcp/fdc-property-finance-mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/fdcommercial-property-finance-mcp/fdc-property-finance-mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/fdcommercial-property-finance-mcp/fdc-property-finance-mcp