io.github.foxdavidson/property-mortgage-mcp

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Méthode : MCP Hub analyse la description de chaque outil (couche 1) et, pour le verdict fort, exécute le serveur dans une micro-VM isolée avec leurres et réseau bloqué (couche 2). On publie des noms et des compteurs, jamais le contenu brut renvoyé par un outil.

Les 3 outils

• fd_hnw_mortgage_qualification≈ 1426 tokens

  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.

  Paramètres, retour & exemple (2)

  Paramètres

  • applicant_1 · object · requis
    The primary applicant.
  • applicant_2 · object · optionnel
    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.

  Exemple d'appel

  {"name": "fd_hnw_mortgage_qualification", "arguments": {"applicant_1": {}}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• uk_bridging_loan_calculator≈ 944 tokens

  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.

  Paramètres, retour & exemple (16)

  Paramètres

  • regulated · boolean · optionnel
    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 · optionnel
    Loan term in months.
  • exit_fee_pct · number · optionnel
    Exit fee as a percentage, charged on redemption. Often 0.
  • admin_fees_gbp · number · optionnel
    Admin and other fees in pounds.
  • legal_fees_gbp · number · optionnel
    Lender and borrower legal fees in pounds.
  • net_assets_gbp · number · optionnel
    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.
  • monthly_rate_pct · number · optionnel
    Monthly interest rate as a percentage, for example 0.75 for 0.75% per month.
  • exit_fee_on_gross · boolean · optionnel
    Whether the exit fee is charged on the gross loan (true) or the net loan (false).
  • valuation_fee_gbp · number · optionnel
    Valuation fee in pounds.
  • interest_structure · string · optionnel · rolled | retained | serviced
    '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 more.
  • property_value_gbp · number · requis
    Open market value of the security property in pounds.
  • arrangement_fee_pct · number · optionnel
    Lender arrangement fee as a percentage of the loan.
  • additional_funds_gbp · number · optionnel
    Additional cash required beyond clearing existing charges, in pounds.
  • existing_charges_gbp · number · optionnel
    Existing mortgages or loans the bridge will repay, in pounds.
  • annual_net_income_gbp · number · optionnel
    Optional. Borrower annual net income, used for the MCOB 3A high net worth term check. GBP 300,000 or more passes the income limb.
  • add_arrangement_fee_to_loan · boolean · optionnel
    Whether the arrangement fee is financed into the gross loan (true) or paid separately in cash (false).

  Exemple d'appel

  {"name": "uk_bridging_loan_calculator", "arguments": {"property_value_gbp": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• uk_stamp_duty_calculator≈ 515 tokens

  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.

  Paramètres, retour & exemple (3)

  Paramètres

  • region · string · optionnel · england | scotland | wales
    Tax region. 'england' covers England and Northern Ireland (SDLT). 'scotland' uses LBTT. 'wales' uses LTT.
  • buyer_type · string · optionnel · standard | ftb | additional | nonresident | corporate | commercial
    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 second-home surcharge. 'nonresident' adds the 2% non-UK resident surcharge (England/NI only). 'corporate' applies the 17% flat rate above GBP 500k (England/NI residential) or standard rates plus surcharge below threshold or in Scotland/Wales. 'commercial' uses non-residential bands.
  • property_price_gbp · number · requis
    Property purchase price in pounds. Example: 750000.

  Exemple d'appel

  {"name": "uk_stamp_duty_calculator", "arguments": {"property_price_gbp": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

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Source

https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp