uk.co.realyield/realyield

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Au dernier audit MCP Hub, le serveur MCP « uk.co.realyield/realyield » est classé « Non encore testé ». Référencé dans l'annuaire. Seul le pentest comportemental fait foi, et il n'a pas encore été exécuté sur ce serveur. Le verdict est réévalué en continu ; consultez la fiche pour l'état à jour.

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 11 outils

• analyse_buy_to_let_deal≈ 846 tokens

  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.

  Paramètres, retour & exemple (16)

  Paramètres

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

  Exemple d'appel

  {"name": "analyse_buy_to_let_deal", "arguments": {"monthly_rent": 1, "purchase_price": 1}}

  Exemple de retour

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

• calculate_btl_mortgage≈ 395 tokens

  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.

  Paramètres, retour & exemple (8)

  Paramètres

  • productFee · number · optionnel
    Lender product or arrangement fee in GBP.
  • monthlyRent · number · optionnel
    Expected monthly rent in GBP, for the interest coverage ratio.
  • interestRate · number · optionnel
    Annual interest rate percentage.
  • mortgageTerm · integer · optionnel
    Term in years.
  • mortgageType · string · optionnel · interest_only | repayment
    Repayment method.
  • depositAmount · number · optionnel
    Deposit in GBP.
  • propertyValue · number · requis
    Property value or purchase price in GBP.
  • feeAddedToLoan · boolean · optionnel
    Whether the product fee is added to the loan.

  Exemple d'appel

  {"name": "calculate_btl_mortgage", "arguments": {"propertyValue": 1}}

  Exemple de retour

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

• calculate_capital_gains_tax≈ 604 tokens

  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.

  Paramètres, retour & exemple (13)

  Paramètres

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

  Exemple d'appel

  {"name": "calculate_capital_gains_tax", "arguments": {"salePrice": 1, "purchasePrice": 1}}

  Exemple de retour

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

• calculate_section_24_tax≈ 306 tokens

  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.

  Paramètres, retour & exemple (4)

  Paramètres

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

  Exemple d'appel

  {"name": "calculate_section_24_tax", "arguments": {"annualRent": 1}}

  Exemple de retour

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

• calculate_stamp_duty≈ 289 tokens

  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.

  Paramètres, retour & exemple (3)

  Paramètres

  • buyerType · string · optionnel · standard | first_time | additional
    standard for a home mover, first_time for a first-time buyer, additional for a buy-to-let or second home.
  • propertyPrice · number · requis
    Purchase price in GBP.
  • depositPercent · number · optionnel
    Deposit as a percentage of price, for the total cash needed figure.

  Exemple d'appel

  {"name": "calculate_stamp_duty", "arguments": {"propertyPrice": 1}}

  Exemple de retour

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

• check_deal≈ 860 tokens

  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.

  Paramètres, retour & exemple (16)

  Paramètres

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

  Exemple d'appel

  {"name": "check_deal", "arguments": {"bedrooms": 1, "postcode": "texte", "asking_price": 1, "property_type": "flat"}}

  Exemple de retour

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

• compare_personal_vs_company_ownership≈ 350 tokens

  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.

  Paramètres, retour & exemple (5)

  Paramètres

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

  Exemple d'appel

  {"name": "compare_personal_vs_company_ownership", "arguments": {"annualRent": 1}}

  Exemple de retour

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

• define_property_term≈ 175 tokens

  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.

  Paramètres, retour & exemple (1)

  Paramètres

  • term · string · requis
    The term or abbreviation to define.

  Exemple d'appel

  {"name": "define_property_term", "arguments": {"term": "texte"}}

  Exemple de retour

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

• list_realyield_calculators≈ 128 tokens

  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.

  Paramètres, retour & exemple (0)

  Exemple d'appel

  {"name": "list_realyield_calculators", "arguments": {}}

  Exemple de retour

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

• lookup_area_rental_yields≈ 257 tokens

  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.

  Paramètres, retour & exemple (3)

  Paramètres

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

  Exemple d'appel

  {"name": "lookup_area_rental_yields", "arguments": {"area": "texte", "limit": 1, "region": "texte"}}

  Exemple de retour

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

• search_realyield≈ 230 tokens

  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.

  Paramètres, retour & exemple (3)

  Paramètres

  • type · string · optionnel · tool | article | glossary | template
    Restrict results to one content type. Omit to search everything.
  • limit · integer · optionnel
    Maximum number of results.
  • query · string · requis
    Words to search for, for example 'section 24' or 'HMO licensing'.

  Exemple d'appel

  {"name": "search_realyield", "arguments": {"query": "texte"}}

  Exemple de retour

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

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Source

https://www.realyield.co.uk/mcp