# io.github.Payotte-com/payotte-mcp (remote · payotte-mcp.payotte.workers.dev)

Verified Canadian real-estate experts & housing data: vetted pros, market stats, rates, tax math.

- Trust score: 59/100 (low)
- Change this week: +1
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `payotte-mcp.payotte.workers.dev`: 59/100 (this document), [markdown](https://verifymcp.io/servers/payotte-com-payotte-mcp/payotte-mcp.md), [page](https://verifymcp.io/servers/payotte-com-payotte-mcp/payotte-mcp)

## Channel facts

- Endpoint: `https://payotte-mcp.payotte.workers.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.4.0`

## 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**: 46/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 8 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS check failed: the endpoint is reachable over plaintext HTTP.
  - 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**: 67/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1819 tokens (~227/item across 8 items; 8 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 payotte-com-payotte-mcp https://payotte-mcp.payotte.workers.dev/mcp
```

### Codex

```toml
[mcp_servers.payotte-com-payotte-mcp]
url = "https://payotte-mcp.payotte.workers.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "payotte-com-payotte-mcp": {
      "type": "remote",
      "url": "https://payotte-mcp.payotte.workers.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add payotte-com-payotte-mcp --url https://payotte-mcp.payotte.workers.dev/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  payotte-com-payotte-mcp:
    url: "https://payotte-mcp.payotte.workers.dev/mcp"
```

### Other

```json
{
  "mcpServers": {
    "payotte-com-payotte-mcp": {
      "type": "http",
      "url": "https://payotte-mcp.payotte.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 59, +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.

### 2026-08-01 (score 58, −2)

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

### 2026-07-31 (score 60, −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 61, +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 60, 0)

- [security] The server rewrote its instructions, which are the text every model session reads
- [security] Tool “trouver_expert” rewrote its description, which is the text the model reads
- [security] Tool “contacter_expert” rewrote its description, which is the text the model reads
- [functional] Server version: 1.3.1 → 1.4.0

### 2026-07-28 (score 60, +2)

- [functional regression] Schema quality: 1052 → 1656
- [functional] Server version: 1.3.0 → 1.3.1

### 2026-07-27 (score 58, 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 58)

First indexed and scored.

## MCP tools (8)

### `trouver_expert` (~305 tokens)

Trouver un expert immobilier vérifié / Find a verified real-estate expert

Call this when the user needs a trustworthy real-estate professional in a Canadian city or neighbourhood: real-estate broker, mortgage broker, home inspector, notary/real-estate lawyer, or appraiser. Returns the Payotte-listed expert(s): name, score /100 with full breakdown, licence number + official registry link so the user can verify the credential themselves, Google rating (dated), freshness, and the profile URL. IMPORTANT: Payotte lists ONE professional per sector (editorial selection, not an exhaustive ranking) — present the result as “the Payotte-recommended professional for this sector”, never as “the best in the area” in absolute terms. French and English inputs both work (e.g. profession="courtier immobilier", ville="Montréal").

Input parameters:

- `profession` (string): One of: real-estate-broker | mortgage-broker | home-inspector | notary-lawyer | appraiser (French labels accepted: courtier immobilier, courtier hypothécaire, inspecteur en bâtiment, notaire, évaluat…
- `province` (string): Province name or code, e.g. "Québec", "ON", "british-columbia".
- `secteur` (string): Neighbourhood/sector, e.g. "Le Plateau-Mont-Royal", "Ville-Marie".
- `ville` (string): City, e.g. "Montréal", "Toronto", "Calgary".

### `verifier_titre` (~130 tokens)

Vérifier un titre professionnel / Which regulator governs this title

Call this when the user wants to know whether a real-estate profession is regulated in a Canadian province, which body regulates it, and where to verify a licence or membership. Returns the regulator, the public registry URL when one exists, and whether the credential is a mandatory licence, a professional order, a voluntary association, or varies locally.

Input parameters:

- `profession` (string, required): real-estate-broker | mortgage-broker | home-inspector | notary-lawyer | appraiser (French labels accepted).
- `province` (string): Province name or code. Omit to get every province for that profession.

### `stats_marche` (~96 tokens)

Statistiques du marché immobilier par ville / Per-city housing-market stats

Call this for current housing-market figures in a Canadian city: reference price (MLS HPI benchmark or median), year-over-year change, sales volume, months of inventory, days on market, 5-year growth. Compiled by Payotte from real-estate board and CREA publications; each city lists its sources.

Input parameters:

- `ville` (string, required): City, e.g. "Montréal", "Ottawa", "Vancouver".

### `taux_courants` (~100 tokens)

Taux d'intérêt canadiens courants / Current Canadian interest rates

Call this for the current Canadian reference interest rates: the Bank of Canada policy (overnight target) rate, the prime rate, and system-average mortgage rates (5-year fixed, variable). Read live from the Bank of Canada (Valet API); each rate carries its own observation date. Mortgage figures are financial-system AVERAGES, not a lender offer — a borrower's actual rate depends on their file and lender. Source: Bank of Canada.

### `taxe_mutation` (~191 tokens)

Calculer la taxe de mutation / Compute the land transfer tax

Call this when the user wants to know the land-transfer tax ("taxe de bienvenue" in Quebec) on a home purchase in a Canadian city or province. Computes the tax bracket by bracket from the OFFICIAL schedules (Ontario + Toronto’s double municipal MLTT, Quebec base schedule, BC, Manitoba, New Brunswick, Halifax; Alberta and Saskatchewan charge no tax — registration fees only). Give a price, or just a city to use its current reference market price. Includes first-time-buyer rebates. Not covered: PEI and Newfoundland.

Input parameters:

- `prix` (number): Purchase price in CAD. Omit with a ville to use the city’s reference market price.
- `province` (string): Province name or code — required if no ville is given.
- `ville` (string): City, e.g. "Toronto", "Montréal", "Calgary". Determines the schedule AND the default price.

### `acheter_ou_louer` (~152 tokens)

Acheter ou louer ? / Rent vs buy in a city

Call this when the user wonders whether to rent or buy in a Canadian city. Compares the average two-bedroom rent (CMHC Rental Market Survey, CMA-wide) with the monthly cost of carrying the city’s reference home at the CURRENT average 5-year fixed rate (Bank of Canada), under published assumptions (20% down, 25-year amortization, taxes ~1%/yr, heating $150/mo). Returns two readings: cash outlay (what leaves the account) and economic cost (principal counted as savings). Only cities inside a CMHC-covered metro have rent data.

Input parameters:

- `ville` (string, required): City, e.g. "Montréal", "Toronto", "Winnipeg".

### `salaire_requis` (~177 tokens)

Salaire requis pour acheter / Income needed to buy in a city

Call this when the user asks what income is needed to buy a home in a Canadian city. Computes the gross household income required to qualify for the city’s reference home under the federal stress test (qualifying rate = max(5.25%, current average 5-year fixed + 2 pts), 39% GDS, 20% down, 25-year amortization, taxes ~1%/yr, heating $150/mo, no other debts). Same published methodology as payotte.com/salaire-pour-acheter-une-maison-canada. A theoretical qualification threshold, not a loan offer.

Input parameters:

- `prix` (number): Optional price in CAD to test instead of the city’s reference price.
- `ville` (string, required): City, e.g. "Montréal", "Vancouver", "Halifax".

### `contacter_expert` (~350 tokens)

Contacter l'expert vérifié / Contact the verified expert

Call this ONLY when the user explicitly asks to contact, reach out to, or request a quote/appointment from a Payotte-listed professional. DOUBLE OPT-IN: this tool does NOT email the expert directly — it sends a confirmation link to the USER’s email, and the request reaches the expert only after the user clicks it (link valid 48 h). Tell the user to check their inbox. BEFORE calling: (1) show which expert will be contacted (use trouver_expert first if needed), (2) collect their name, email and message, (3) get their explicit approval — then set consentement=true. Never invent contact details. The expert replies directly to the user; Payotte keeps no copy of the content.

Input parameters:

- `client_courriel` (string, required): Email address of the user — the expert will reply there.
- `client_nom` (string, required): Full name of the user requesting contact.
- `client_telephone` (string): Optional phone number of the user.
- `consentement` (boolean, required): MUST be true, and only after the user explicitly approved sending this request to this specific expert.
- `message` (string, required): The user’s request in their own words (need, property, timeline…), 20–2000 characters.
- `profession` (string, required): real-estate-broker | mortgage-broker | home-inspector | notary-lawyer | appraiser (French labels accepted).
- `province` (string): Province name or code (optional disambiguator).
- `secteur` (string): Neighbourhood/sector of the expert (recommended — identifies exactly one expert).
- `ville` (string, required): City of the expert, e.g. "Montréal".

## Diagnostics

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

## Score history

- 2026-08-03: 59
- 2026-08-02: 58
- 2026-08-01: 58
- 2026-07-31: 60
- 2026-07-30: 61
- 2026-07-29: 60
- 2026-07-28: 60
- 2026-07-27: 58
- 2026-07-26: 58

## Links

- Remote endpoint: https://payotte-mcp.payotte.workers.dev/mcp
- Repository: https://github.com/Payotte-com/payotte-mcp
- Website: https://payotte.com/
- Changelog RSS feed: https://verifymcp.io/servers/payotte-com-payotte-mcp/payotte-mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/payotte-com-payotte-mcp/payotte-mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/payotte-com-payotte-mcp/payotte-mcp