# RealYield (remote · www.realyield.co.uk)

UK buy-to-let maths: true net yield, cashflow, Section 24, stamp duty and area rental yields.

- Trust score: 84/100 (high trust)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `www.realyield.co.uk`: 84/100 (this document), [markdown](https://verifymcp.io/servers/uk-co-realyield-realyield/www.md), [page](https://verifymcp.io/servers/uk-co-realyield-realyield/www)

## Channel facts

- Endpoint: `https://www.realyield.co.uk/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## 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 2026-11-05.

- **Endpoint Security**: 83/100
  - 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 is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC is configured correctly; the domain's records validate against the full chain to the root.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 76/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 2467 tokens (~205/item across 12 items; 11 tools + 1 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 67/100
  - Stability observed for 20 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.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 11 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 13 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).
  - Supports UI / widget rendering.

## Install

### How do I install the RealYield MCP server?

RealYield is a hosted endpoint at https://www.realyield.co.uk/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.

### Claude

```bash
claude mcp add --transport http uk-co-realyield-realyield 'https://www.realyield.co.uk/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "uk-co-realyield-realyield": {
      "url": "https://www.realyield.co.uk/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "uk-co-realyield-realyield": {
      "type": "http",
      "url": "https://www.realyield.co.uk/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.uk-co-realyield-realyield]
url = "https://www.realyield.co.uk/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "uk-co-realyield-realyield": {
      "type": "remote",
      "url": "https://www.realyield.co.uk/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add uk-co-realyield-realyield --url 'https://www.realyield.co.uk/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  uk-co-realyield-realyield:
    url: "https://www.realyield.co.uk/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "uk-co-realyield-realyield": {
      "Transport": "http",
      "Url": "https://www.realyield.co.uk/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add uk-co-realyield-realyield -t streamable-http -u 'https://www.realyield.co.uk/mcp'
```

### Other

```json
{
  "mcpServers": {
    "uk-co-realyield-realyield": {
      "type": "http",
      "url": "https://www.realyield.co.uk/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.

### 2026-11-04 (score 84, +1)

No change was recorded against any check on this day. Stability & Change Management went from 60 to 63. That category is still filling its 30-day observation window: 18 days of observed history at the previous scan, 19 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 83, +1)

- [security improvement] DNSSEC: fail → pass

### 2026-11-02 (score 82, +1)

No change was recorded against any check on this day. Stability & Change Management went from 53 to 57. That category is still filling its 30-day observation window: 16 days of observed history at the previous scan, 17 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 81, +1)

No change was recorded against any check on this day. Stability & Change Management went from 47 to 50. That category is still filling its 30-day observation window: 14 days of observed history at the previous scan, 15 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-29 (score 80, +1)

No change was recorded against any check on this day. Stability & Change Management went from 40 to 43. That category is still filling its 30-day observation window: 12 days of observed history at the previous scan, 13 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-27 (score 79, +1)

No change was recorded against any check on this day. Stability & Change Management went from 33 to 37. That category is still filling its 30-day observation window: 10 days of observed history at the previous scan, 11 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-25 (score 78, +1)

No change was recorded against any check on this day. Stability & Change Management went from 27 to 30. That category is still filling its 30-day observation window: 8 days of observed history at the previous scan, 9 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-23 (score 77, +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.

## MCP tools (11)

### `list_realyield_calculators` (~47 tokens)

List RealYield calculators

Lists every UK property calculator on realyield.co.uk with a one-line description and URL. Use it to find the right tool for a landlord question before navigating or calculating.

### `search_realyield` (~99 tokens)

Search RealYield

Searches realyield.co.uk for calculators, articles, glossary terms and downloadable templates about UK buy-to-let, landlord tax and property regulation. Returns titles, summaries and URLs.

Input parameters:

- `limit` (integer): Maximum number of results.
- `query` (string, required): Words to search for, for example 'section 24' or 'HMO licensing'.
- `type` (string): Restrict results to one content type. Omit to search everything.

### `define_property_term` (~84 tokens)

Define a property term

Looks up a UK property investment or landlord tax term in the RealYield glossary, for example 'ICR', 'Section 24', 'gross yield' or 'void period', and returns the definition with a link to the full entry. Use it when a reader asks what a term in an article means.

Input parameters:

- `term` (string, required): The term or abbreviation to define.

### `analyse_buy_to_let_deal` (~471 tokens)

Analyse a buy-to-let deal

Full UK buy-to-let analysis for a purchase price and monthly rent: gross and true net yield after service charge, ground rent, agent fees, repairs, voids and mortgage interest, Section 24 tax, monthly cashflow before and after tax, break-even mortgage rate, a 0 to 100 deal score, and stress scenarios such as a rate shock, a recession and extended voids. Agent fee, repairs and voids the user has not given take standard assumptions, listed in assumptions_applied. Returns a link that opens the same deal in the calculator.

Input parameters:

- `agent_fee_percentage` (number): Letting agent fee as a percentage of rent. Pass 0 if the landlord self-manages; omitted means the standard 12%.
- `agent_fee_vat_applicable` (boolean): Whether VAT at 20% is added to the agent fee.
- `corporation_tax_rate` (number): Corporation tax rate percentage, used for company ownership.
- `current_market_value` (number): Current market value in GBP, if yields should be based on value rather than purchase price.
- `ground_rent_annual` (number): Annual ground rent in GBP.
- `monthly_rent` (number, required): Expected monthly rent in GBP.
- `mortgage_balance` (number): Mortgage amount borrowed in GBP. Omit or 0 for a cash purchase.
- `mortgage_rate` (number): Annual mortgage interest rate as a percentage, for example 4.5.
- `ownership_type` (string): Held personally (Section 24 applies) or through a limited company.
- `purchase_price` (number, required): Purchase price in GBP.
- `repairs_percentage` (number): Repairs and maintenance allowance as a percentage of rent. Omitted means the standard 5%.
- `service_charge_monthly` (number): Monthly service charge in GBP (leasehold flats).
- `tax_band` (string): The landlord's income tax band: basic (20%), higher (40%) or additional (45%).
- `utilities_monthly` (number): Monthly utilities paid by the landlord in GBP.
- `valuation_basis` (string): Base yields on the purchase price or the current market value.
- `void_months_per_year` (number): Expected empty months per year. Omitted means the standard 1 month.

### `calculate_stamp_duty` (~136 tokens)

Calculate stamp duty (SDLT)

Calculates Stamp Duty Land Tax for a property purchase in England or Northern Ireland at current rates, with the band-by-band breakdown, the effective rate, a comparison across first-time buyer, home mover and additional-property (buy-to-let, 5% surcharge) rates, and the total cash needed with the deposit.

Input parameters:

- `buyerType` (string): standard for a home mover, first_time for a first-time buyer, additional for a buy-to-let or second home.
- `depositPercent` (number): Deposit as a percentage of price, for the total cash needed figure.
- `propertyPrice` (number, required): Purchase price in GBP.

### `calculate_section_24_tax` (~153 tokens)

Calculate Section 24 tax

Works out a UK landlord's income tax on rental profit under Section 24, where mortgage interest is not deductible and is replaced by a 20% tax credit. Returns the tax bill, the 20% credit, cashflow after tax, the extra tax compared with full interest relief, and the same figures for all three tax bands.

Input parameters:

- `annualMortgageInterest` (number): Annual mortgage interest in GBP.
- `annualOperatingCosts` (number): Annual allowable costs excluding mortgage interest, in GBP.
- `annualRent` (number, required): Gross annual rental income in GBP.
- `taxBand` (string): The landlord's income tax band: basic (20%), higher (40%) or additional (45%).

### `compare_personal_vs_company_ownership` (~172 tokens)

Compare personal vs limited company

Compares the annual tax on a UK rental property held personally (Section 24 rules) against holding it in a limited company (corporation tax, then dividend tax on profit extracted). Returns net profit and effective tax rate for each structure and which one pays less this year.

Input parameters:

- `annualMortgageInterest` (number): Annual mortgage interest in GBP.
- `annualOperatingCosts` (number): Annual allowable costs excluding mortgage interest, in GBP.
- `annualRent` (number, required): Gross annual rental income in GBP.
- `dividendAmount` (number): Dividends taken out of the company per year in GBP. Omit to extract all post-tax profit.
- `personalTaxBand` (string): The landlord's income tax band: basic (20%), higher (40%) or additional (45%).

### `calculate_btl_mortgage` (~171 tokens)

Calculate a buy-to-let mortgage

Calculates a UK buy-to-let mortgage: loan amount, loan-to-value, monthly and annual payment (interest-only or repayment), total interest, the interest coverage ratio lenders test against rent, and stress-test results at higher rates.

Input parameters:

- `depositAmount` (number): Deposit in GBP.
- `feeAddedToLoan` (boolean): Whether the product fee is added to the loan.
- `interestRate` (number): Annual interest rate percentage.
- `monthlyRent` (number): Expected monthly rent in GBP, for the interest coverage ratio.
- `mortgageTerm` (integer): Term in years.
- `mortgageType` (string): Repayment method.
- `productFee` (number): Lender product or arrangement fee in GBP.
- `propertyValue` (number, required): Property value or purchase price in GBP.

### `calculate_capital_gains_tax` (~296 tokens)

Calculate capital gains tax

Estimates UK capital gains tax on selling a rental property, shares or another asset: gain after allowable costs, private residence relief where it applied, the annual exempt amount, tax at basic and higher rates based on the seller's income, and how much a joint sale with a spouse or civil partner would save.

Input parameters:

- `annualIncome` (number): The seller's gross annual income in GBP, which sets the CGT rate.
- `assetType` (string): What is being sold.
- `improvementCosts` (number): Capital improvements in GBP (not repairs).
- `isMainResidence` (boolean): Whether the property was ever the seller's main home.
- `monthsAsMainResidence` (number): Months lived in as main home, for partial private residence relief.
- `otherGainsThisYear` (number): Other capital gains already made this tax year in GBP.
- `ownershipType` (string): Owned by one person or jointly with a spouse or civil partner.
- `purchaseCosts` (number): Legal, survey and other buying costs in GBP.
- `purchasePrice` (number, required): Original purchase price in GBP.
- `salePrice` (number, required): Sale price in GBP.
- `sdltPaid` (number): Stamp duty paid on purchase in GBP.
- `sellingCosts` (number): Agent and legal selling costs in GBP.
- `totalMonthsOwned` (number): Total months owned, for partial private residence relief.

### `lookup_area_rental_yields` (~138 tokens)

Look up rental yields by area

Looks up average rent, average price and gross rental yield for local authority areas in England and Wales, from ONS rents and HM Land Registry prices updated monthly. Pass an area name to get its figures and national rank, or leave it out to get the highest-yielding areas, optionally within a region.

Input parameters:

- `area` (string): Local authority or town name, for example 'Manchester' or 'Newcastle upon Tyne'.
- `limit` (integer): How many areas to return when ranking.
- `region` (string): Optional English region or 'Wales' to filter the ranking, for example 'North West'.

### `check_deal` (~456 tokens)

Check a property listing (Deal Check)

Checks a specific buy-to-let property in England or Wales from its postcode, asking price, type and bedrooms, using live public data: sold prices nearby and a price guide based on them, rent (the area average unless given), true net yield and cashflow, stress tests, crime, flood risk and live warnings, coal mining, planning constraints (conservation areas, Article 4, listed buildings), transport, schools and the local rental market. The postcode is the property's, not the user's location. Returns a 0 to 100 score with its parts, flags, a rule-based summary and a link to the full report. Results are educational estimates, not financial advice. Needs the user to sign in to their RealYield account; takes up to 30 seconds.

Input parameters:

- `agent_fee_pct` (number): Letting agent fee as a percentage of rent. Pass 0 if the landlord self-manages.
- `asking_price` (number, required): Asking price in GBP.
- `bedrooms` (integer, required): Number of bedrooms, 1 to 6.
- `deposit_pct` (number): Deposit as a percentage of the price.
- `epc_rating` (string): EPC rating, if known.
- `ground_rent_annual` (number): Annual ground rent in GBP.
- `monthly_rent` (number): Expected monthly rent in GBP. Omit to use the ONS average for the area and bedroom count.
- `mortgage_rate` (number): Annual mortgage rate as a percentage.
- `ownership_type` (string): Held personally (Section 24 applies) or through a limited company.
- `postcode` (string, required): Full UK postcode of the property, for example M14 5RF. Partial postcodes are not accepted.
- `property_type` (string, required): Type of property.
- `repairs_pct` (number): Repairs allowance as a percentage of rent.
- `service_charge_monthly` (number): Monthly service charge in GBP (leasehold flats).
- `tax_band` (string): The landlord's income tax band: basic (20%), higher (40%) or additional (45%).
- `tenure` (string): Freehold or leasehold.
- `void_months` (number): Expected empty months per year.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/uk-co-realyield-realyield/www#diagnostics

## Score history

- 2026-11-05: 84
- 2026-11-04: 84
- 2026-11-03: 83
- 2026-11-02: 82
- 2026-11-01: 81
- 2026-10-31: 81
- 2026-10-30: 80
- 2026-10-29: 80
- 2026-10-28: 79
- 2026-10-27: 79
- 2026-10-26: 78
- 2026-10-25: 78
- 2026-10-24: 77
- 2026-10-23: 77
- 2026-10-22: 76
- 2026-10-21: 76
- 2026-10-20: 76
- 2026-10-19: 75
- 2026-10-18: 75
- 2026-10-17: 74
- 2026-10-16: 74

## Common questions

### What is the RealYield MCP server?

RealYield is an MCP server listed in the public MCP registry as uk.co.realyield/realyield. UK buy-to-let maths: true net yield, cashflow, Section 24, stamp duty and area rental yields. This page covers its hosted endpoint (https://www.realyield.co.uk/mcp).

### Is the RealYield MCP server safe to use?

RealYield scores 84 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 RealYield MCP server expose?

RealYield exposes 11 tools: list_realyield_calculators, search_realyield, define_property_term, analyse_buy_to_let_deal, calculate_stamp_duty, and 6 more. Their descriptions and schemas cost roughly 2,223 tokens of context every time the server is loaded.

### Does the RealYield MCP server require authentication?

No. We connected to RealYield without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the RealYield MCP server still maintained?

RealYield is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://www.realyield.co.uk/mcp
- Website: https://www.realyield.co.uk/ai-assistants
- Changelog RSS feed: https://verifymcp.io/servers/uk-co-realyield-realyield/www.xml
- Changelog JSON feed: https://verifymcp.io/servers/uk-co-realyield-realyield/www.json
- HTML version of this page: https://verifymcp.io/servers/uk-co-realyield-realyield/www