FD Commercial Property Finance

by fdcommercial

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Four UK property finance calculators for AI assistants: bridging cost, dev appraisal, BTL stress test, stamp duty (SDLT/LBTT/LTT). By FD Commercial.

Details

Author
fdcommercial
Categories
Finance, Other

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.jsonWindows:%APPDATA%\Claude\claude_desktop_config.json

{ "mcpServers": { "fdc-property-finance": { "command": "node", "args": ](https://www.fdcommercial.co.uk)["/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 athttps://mcp.fdcommercial.co.uk/mcp(coming soon — currently in private testing). Any MCP client supporting streamable HTTP transport can connect.

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

Opens the MCP Inspector athttp://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 theFD Commercial mobile app(also availablefree on Google Play). Web/mobile/MCP all return identical numbers for identical inputs.

Tax bands (SDLT, LBTT, LTT) are correct as of April 2026. Seesrc/rates/sdlt-rates.tsfor 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).

- Website:https://www.fdcommercial.co.uk
- Phone: +44 3300 100315
- Email:
hello@fdcommercial.co.uk
- All free property finance tools:
https://www.fdcommercial.co.uk/property-finance-tools/

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

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Four UK property finance calculators for AI assistants: bridging cost, dev appraisal, BTL stress test, stamp duty (SDLT/LBTT/LTT). By FD Commercial.

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 byFD Commercial & Bridging Ltd, specialist UK property finance broker.

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

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

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.jsonWindows:%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 athttps://mcp.fdcommercial.co.uk/mcp(coming soon — currently in private testing). Any MCP client supporting streamable HTTP transport can connect.

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

Opens the MCP Inspector athttp://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 theFD Commercial mobile app(also availablefree on Google Play). Web/mobile/MCP all return identical numbers for identical inputs.

Tax bands (SDLT, LBTT, LTT) are correct as of April 2026. Seesrc/rates/sdlt-rates.tsfor 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).

- Website:https://www.fdcommercial.co.uk
- Phone: +44 3300 100315
- Email:
hello@fdcommercial.co.uk
- All free property finance tools:
https://www.fdcommercial.co.uk/property-finance-tools/

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

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