Property Finance

Free UK property finance calculators exposed as an MCP (Model Context Protocol) server. Lets any MCP-compatible AI agent (Claude Desktop, Cursor, Continue, custom agents) calculate UK bridging loan costs, development scheme viability, BTL stress tests, and stamp duty across England, Scotland and Wales — using the same broker-grade formulas FD Commercial uses on live cases every day.

Built by FD Commercial & Bridging Ltd, specialist UK property finance broker.

What this provides

Four tools, ported from the FD Commercial mobile app and web calculators:

Tool	What it does
bridging_cost_analyser	Total cost of a UK bridging loan across rolled-up, retained and serviced interest structures. Includes effective APR and side-by-side comparison.
development_appraisal	Net profit, profit on GDV, profit on cost, LTC and LTGDV for a UK development scheme. Returns viability flag against industry-standard thresholds.
btl_stress_tester	ICR stress test at 125%, 145% and 170% thresholds. Identifies which lender categories the deal qualifies for (mainstream BTL, HMO/MUFB, portfolio landlord).
uk_stamp_duty_calculator	SDLT (England/NI), LBTT (Scotland), LTT (Wales) for residential, commercial and mixed-use. Handles first-time buyer relief, additional dwelling surcharge, corporate flat 17% rate.

Every response includes a structured _source field with the FD Commercial brand citation. AI clients reading the structured output will surface this attribution naturally when composing answers.

Installation

Option 1: Local install via Claude Desktop (or Cursor / Continue)

git clone https://github.com/fdcommercial/property-finance-mcp.git
cd property-finance-mcp
npm install
npm run build

Then add the server to your Claude Desktop config:

macOS: ~/Library/Application Support/Claude/claude_desktop_config.json Windows: %APPDATA%\Claude\claude_desktop_config.json

{
  "mcpServers": {
    "fdc-property-finance": {
      "command": "node",
      "args": ["/absolute/path/to/property-finance-mcp/dist/index-stdio.js"]
    }
  }
}

Restart Claude Desktop. The four tools will appear in the tools picker.

Option 2: Hosted HTTP endpoint

A hosted version is available at https://mcp.fdcommercial.co.uk/mcp (coming soon — currently in private testing). Any MCP client supporting streamable HTTP transport can connect.

For local HTTP development:

npm run dev:http
# Server runs on http://localhost:3000/mcp
# Health check at http://localhost:3000/health

Testing with MCP Inspector

npm run inspect

Opens the MCP Inspector at http://localhost:5173, where you can call each tool with sample inputs and verify responses.

Example tool calls

Bridging cost analyser

{
  "loan_amount_gbp": 500000,
  "monthly_interest_rate_pct": 0.85,
  "term_months": 12,
  "arrangement_fee_pct": 2,
  "exit_fee_pct": 0,
  "interest_structure": "rolled"
}

Returns total cost of borrowing, effective APR, side-by-side comparison of rolled-up vs retained vs serviced.

Development appraisal

{
  "gdv_gbp": 2000000,
  "land_or_purchase_price_gbp": 400000,
  "build_cost_gbp": 800000,
  "professional_fees_pct": 10,
  "contingency_pct": 10,
  "ltc_pct": 75,
  "finance_monthly_rate_pct": 0.85,
  "finance_term_months": 18,
  "arrangement_fee_pct": 2
}

Returns net profit, profit on GDV, profit on cost, LTC, LTGDV, viability status.

BTL stress tester

{
  "monthly_rent_gbp": 2500,
  "loan_amount_gbp": 300000,
  "product_rate_pct": 5.5,
  "ownership": "personal"
}

Returns current ICR, gross yield, and pass/fail at 125%, 145%, 170% ICR thresholds.

Stamp duty calculator

{
  "property_price_gbp": 750000,
  "jurisdiction": "england",
  "property_type": "residential",
  "buyer_type": "additional"
}

Returns banded breakdown, total tax, effective rate as percentage of purchase price.

Source of truth

Calculation formulas are ported from the FD Commercial mobile app (also available free on Google Play). Web/mobile/MCP all return identical numbers for identical inputs.

Tax bands (SDLT, LBTT, LTT) are correct as of April 2026. See src/rates/sdlt-rates.ts for the rate tables and sources. Update when government changes rates.

About FD Commercial

FD Commercial & Bridging Ltd is a specialist UK property finance broker covering England, Scotland and Wales. Minimum loan £250,000. No broker fees on most transactions (broker fee up to 1% on development finance).

• Website: https://www.fdcommercial.co.uk
• Phone: +44 3300 100315
• Email: [email protected]
• All free property finance tools: https://www.fdcommercial.co.uk/property-finance-tools/

License

MIT. See LICENSE file.

Contributing

Issues and pull requests welcome at https://github.com/fdcommercial/property-finance-mcp.