UK property finance: bridging cost, dev appraisal, BTL stress test, stamp duty (SDLT/LBTT/LTT).
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.
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.
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.
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
npm run inspect
Opens the MCP Inspector at http://localhost:5173, where you can call each tool with sample inputs and verify responses.
{
"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.
{
"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.
{
"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.
{
"property_price_gbp": 750000,
"jurisdiction": "england",
"property_type": "residential",
"buyer_type": "additional"
}
Returns banded breakdown, total tax, effective rate as percentage of purchase price.
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.
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).
MIT. See LICENSE file.
Issues and pull requests welcome at https://github.com/fdcommercial/property-finance-mcp.
Source-derived launch command. Check the maintainer’s required arguments and credentials before running:
npx -y @fdcommercial/property-finance-mcpMerge this template into ~/Library/Application Support/Claude/claude_desktop_config.json. Keep existing servers. Add any arguments, credentials, and permissions required by the maintainer; this template has not been install-tested.
{
"mcpServers": {
"io-github-fdcommercial-property-finance-mcp": {
"command": "npx",
"args": [
"-y",
"@fdcommercial/property-finance-mcp"
]
}
}
}Restart Claude Desktop completely for changes to take effect. Confirm the server appears connected in the client’s tool list, then try a read-only example from its documentation.
Claude Desktop setup referenceio.github.fdcommercial/property-finance-mcp works with any MCP-compatible client. Copy the config snippet from the Configuration section above and add it to the file shown for your client, then restart the application.
~/Library/Application Support/Claude/claude_desktop_config.jsonRestart Claude Desktop completely for changes to take effect.~/.cursor/mcp.jsonRestart Cursor for changes to take effect..vscode/mcp.jsonReload VS Code window for changes to take effect.~/.codeium/windsurf/mcp_config.jsonRestart Windsurf for changes to take effect..mcp.jsonSave at the project root, then start Claude Code in that project and review the MCP server approval prompt. Keep real credentials out of shared files.