# io.github.foxdavidson/property-mortgage-mcp (remote · fd-property-mortgage-mcp.fdcommercial-uk.workers.dev)

UK mortgage calculators: stamp duty, MCOB 3A HNW qualification, and bridging loan cost.

- Trust score: 64/100 (medium)
- Change this week: +2
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `fd-property-mortgage-mcp.fdcommercial-uk.workers.dev`: 64/100 (this document), [markdown](https://verifymcp.io/servers/foxdavidson-property-mortgage-mcp/fd-property-mortgage-mcp.md), [page](https://verifymcp.io/servers/foxdavidson-property-mortgage-mcp/fd-property-mortgage-mcp)
- npm · `@foxdavidson/property-mortgage-mcp`: 66/100, [markdown](https://verifymcp.io/servers/foxdavidson-property-mortgage-mcp/foxdavidson-property-mortgage-mcp.md), [page](https://verifymcp.io/servers/foxdavidson-property-mortgage-mcp/foxdavidson-property-mortgage-mcp)

## Channel facts

- Endpoint: `https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.2.0`

## 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**: 61/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1383 tokens (~461/item across 3 items; 3 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 foxdavidson-property-mortgage-mcp https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp
```

### Codex

```toml
[mcp_servers.foxdavidson-property-mortgage-mcp]
url = "https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "foxdavidson-property-mortgage-mcp": {
      "type": "remote",
      "url": "https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add foxdavidson-property-mortgage-mcp --url https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  foxdavidson-property-mortgage-mcp:
    url: "https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp"
```

### Other

```json
{
  "mcpServers": {
    "foxdavidson-property-mortgage-mcp": {
      "type": "http",
      "url": "https://fd-property-mortgage-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.

### 2026-08-02 (score 64, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 63, −1)

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

### 2026-07-30 (score 64, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 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.

### 2026-07-27 (score 62, +1)

- [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 (3)

### `uk_stamp_duty_calculator` (~376 tokens)

UK Stamp Duty Calculator (SDLT / LBTT / LTT)

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, FCA-authorised UK mortgage brokers (FRN 600427). 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.

Input parameters:

- `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, required): Property purchase price in pounds. Example: 750000.
- `region` (string): Tax region. 'england' covers England and Northern Ireland (SDLT). 'scotland' uses LBTT. 'wales' uses LTT.

### `fd_hnw_mortgage_qualification` (~256 tokens)

HNW Mortgage Qualification (FCA MCOB 3A)

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, FCA-authorised UK mortgage brokers (FRN 600427). 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.

Input parameters:

- `applicant_1` (object, required): 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.

### `uk_bridging_loan_calculator` (~658 tokens)

UK Bridging Loan Calculator (with MCOB 3A term check)

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, FCA-authorised UK mortgage brokers (FRN 600427). 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.

Input parameters:

- `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, required): 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.

## Diagnostics

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

## Score history

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

## Links

- Remote endpoint: https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp
- Repository: https://github.com/foxdavidson/property-mortgage-mcp
- Website: https://www.foxdavidson.co.uk/calculators/
- Changelog RSS feed: https://verifymcp.io/servers/foxdavidson-property-mortgage-mcp/fd-property-mortgage-mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/foxdavidson-property-mortgage-mcp/fd-property-mortgage-mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/foxdavidson-property-mortgage-mcp/fd-property-mortgage-mcp