io.github.foxdavidson/property-mortgage-mcp
REMOTE · FD-PROPERTY-MORTGAGE-MCP.FDCOMMERCIAL-UK.WORKERS.DEV · 2 COMPONENTS
UK mortgage calculators: stamp duty, MCOB 3A HNW qualification, and bridging loan cost.
Last scanned (19 hours ago)
Scores higher than 66% of remote servers
Reachable. Last reached 4 Nov 2026.
Category Finance and Payments
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 → Why this is hard to 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 enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement. 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 Usability58
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 2752 tokens (~458/item across 6 items; 6 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 Management97
- Stability observed for 29 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
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 6 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 7 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities60
- Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28. See how to fix → Fail
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.
- 4 Nov 26 0
- Stability: pass → 0.97 functional
- 3 Nov 26 +1
- The server rewrote its instructions, which are the text every model session reads security
- Tool “uk_bridging_loan_calculator” rewrote its description, which is the text the model reads security
- Tool “uk_stamp_duty_calculator” rewrote its description, which is the text the model reads security
- Tool “fd_hnw_mortgage_qualification” rewrote its description, which is the text the model reads security
- Schema quality: 1383 → 2752 ▼ functional
- Schema quality: good → excellent functional
- Server version: 0.2.0 → 0.3.0 functional
- New tool “bridging_cost_analyser” functional
- New tool “btl_stress_tester” functional
- New tool “development_appraisal” functional
- 28 Sept 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
- 25 Sept 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 Aug 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
- 25 Aug 26 0
- Stability: 0.97 → pass security
- 12 Aug 26 0
- Schema quality: unverified → good ▲ functional
- 11 Aug 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
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 4 Nov 2026 · Probed https://fd-property-mortgage-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=YE1,O=Let's Encrypt,C=US | 14 Sept 2026 | 13 Dec 2026 | ECDSA 256 | ECDSA-SHA384 | 5403ed2f47267c7504ce1dd898dcd76c85f |
| SANs: *.fdcommercial-uk.workers.dev, fdcommercial-uk.workers.dev | ||||||
| CN=YE1,O=Let's Encrypt,C=US (CA) | CN=Root YE,O=ISRG,C=US | 3 Sept 2025 | 2 Sept 2028 | ECDSA 384 | ECDSA-SHA384 | 5ddd70dd31f801c85c186a7a04b80afe |
| 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 |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of fd-property-mortgage-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 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp | Verified | 200 | |
| http (plaintext) | http://fd-property-mortgage-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. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
bridging_cost_analyser UK Bridging Loan Cost Analyser ~452
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 Fox Davidson, whole of market 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 Fox Davidson 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 ~318
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 Fox Davidson, whole of market 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 ~541
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 Fox Davidson, whole of market 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.
fd_hnw_mortgage_qualification HNW Mortgage Qualification (FCA MCOB 3A) ~263
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, whole of market UK mortgage brokers authorised and regulated by the FCA (FRN 1056214). 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.
| Name | Type | Req | Description |
|---|---|---|---|
| applicant_1 | object | yes | The primary applicant. |
| applicant_2 | object | – | Optional. If provided, the tool runs the joint application test which returns each applicant individually plus a joint household aggregate. Most lenders apply the MCOB 3A test per individual customer. |
No output schema declared.
No examples provided.
uk_bridging_loan_calculator UK Bridging Loan Calculator (with MCOB 3A term check) ~665
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, whole of market UK mortgage brokers authorised and regulated by the FCA (FRN 1056214). 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.
| Name | Type | Req | Description |
|---|---|---|---|
| add_arrangement_fee_to_loan | boolean | – | Whether the arrangement fee is financed into the gross loan (true) or paid separately in cash (false). |
| additional_funds_gbp | number | – | Additional cash required beyond clearing existing charges, in pounds. |
| admin_fees_gbp | number | – | Admin and other fees in pounds. |
| annual_net_income_gbp | number | – | Optional. Borrower annual net income, used for the MCOB 3A high net worth term check. GBP 300,000 or more passes the income limb. |
| arrangement_fee_pct | number | – | Lender arrangement fee as a percentage of the loan. |
| existing_charges_gbp | number | – | Existing mortgages or loans the bridge will repay, in pounds. |
| exit_fee_on_gross | boolean | – | Whether the exit fee is charged on the gross loan (true) or the net loan (false). |
| exit_fee_pct | number | – | Exit fee as a percentage, charged on redemption. Often 0. |
| interest_structure | string | – | 'rolled' compounds monthly and is paid at exit. 'retained' deducts the full term of interest from the advance upfront. 'serviced' is paid monthly. Retained and serviced cost the same; rolled-up costs… |
| legal_fees_gbp | number | – | Lender and borrower legal fees in pounds. |
| monthly_rate_pct | number | – | Monthly interest rate as a percentage, for example 0.75 for 0.75% per month. |
| net_assets_gbp | number | – | Optional. Borrower net assets including main residence equity and pension, minus all debts, used for the MCOB 3A high net worth term check. GBP 3,000,000 or more passes the net assets limb. |
| property_value_gbp | number | yes | Open market value of the security property in pounds. |
| regulated | boolean | – | True if the bridge is secured against a property the borrower lives in or intends to live in (regulated). False for investment or commercial security (unregulated). |
| term_months | number | – | Loan term in months. |
| valuation_fee_gbp | number | – | Valuation fee in pounds. |
No output schema declared.
No examples provided.
uk_stamp_duty_calculator UK Stamp Duty Calculator (SDLT / LBTT / LTT) ~383
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, whole of market UK mortgage brokers authorised and regulated by the FCA (FRN 1056214). 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.
| Name | Type | Req | Description |
|---|---|---|---|
| buyer_type | string | – | Buyer category. 'standard' is a main residence purchase. 'ftb' is first-time buyer (England/NI relief up to GBP 500k; Scotland FTB to GBP 175k; Wales has no FTB relief). 'additional' triggers the sec… |
| property_price_gbp | number | yes | Property purchase price in pounds. Example: 750000. |
| region | string | – | Tax region. 'england' covers England and Northern Ireland (SDLT). 'scotland' uses LBTT. 'wales' uses LTT. |
No output schema declared.
No examples provided.
How do I install the io.github.foxdavidson/property-mortgage-mcp server?
io.github.foxdavidson/property-mortgage-mcp is a hosted endpoint at https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · fd-property-mortgage-mcp.fdcommercial-uk.workers.dev
claude mcp add --transport http foxdavidson-property-mortgage-mcp 'https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp'
What is the io.github.foxdavidson/property-mortgage-mcp server?
io.github.foxdavidson/property-mortgage-mcp is listed in the public MCP registry as io.github.foxdavidson/property-mortgage-mcp. UK mortgage calculators: stamp duty, MCOB 3A HNW qualification, and bridging loan cost. This page covers its hosted endpoint (https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp).
Is the io.github.foxdavidson/property-mortgage-mcp server safe to use?
io.github.foxdavidson/property-mortgage-mcp scores 76 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the io.github.foxdavidson/property-mortgage-mcp server expose?
io.github.foxdavidson/property-mortgage-mcp exposes 6 tools: uk_stamp_duty_calculator, fd_hnw_mortgage_qualification, uk_bridging_loan_calculator, bridging_cost_analyser, development_appraisal, btl_stress_tester. Their descriptions and schemas cost roughly 2,622 tokens of context every time the server is loaded.
Does the io.github.foxdavidson/property-mortgage-mcp server require authentication?
No. We connected to io.github.foxdavidson/property-mortgage-mcp without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the io.github.foxdavidson/property-mortgage-mcp server still maintained?
io.github.foxdavidson/property-mortgage-mcp is still listed as active in the MCP registry. We last reached this channel on 4 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.