{
  "markdown": "# FD Commercial Property Finance MCP\n\nFree 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.\n\nBuilt by [FD Commercial & Bridging Ltd](https://www.fdcommercial.co.uk), specialist UK property finance broker.\n\n## What this provides\n\nFour tools, ported from the FD Commercial mobile app and web calculators:\n\n| Tool | What it does |\n|---|---|\n| `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. |\n| `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. |\n| `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). |\n| `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. |\n\nEvery 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.\n\n## Installation\n\n### Option 1: Local install via Claude Desktop (or Cursor / Continue)\n\n```bash\ngit clone https://github.com/fdcommercial/property-finance-mcp.git\ncd property-finance-mcp\nnpm install\nnpm run build\n```\n\nThen add the server to your Claude Desktop config:\n\n**macOS:** `~/Library/Application Support/Claude/claude_desktop_config.json`\n**Windows:** `%APPDATA%\\Claude\\claude_desktop_config.json`\n\n```json\n{\n  \"mcpServers\": {\n    \"fdc-property-finance\": {\n      \"command\": \"node\",\n      \"args\": [\"/absolute/path/to/property-finance-mcp/dist/index-stdio.js\"]\n    }\n  }\n}\n```\n\nRestart Claude Desktop. The four tools will appear in the tools picker.\n\n### Option 2: Hosted HTTP endpoint\n\nA 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.\n\nFor local HTTP development:\n\n```bash\nnpm run dev:http\n# Server runs on http://localhost:3000/mcp\n# Health check at http://localhost:3000/health\n```\n\n## Testing with MCP Inspector\n\n```bash\nnpm run inspect\n```\n\nOpens the MCP Inspector at `http://localhost:5173`, where you can call each tool with sample inputs and verify responses.\n\n## Example tool calls\n\n### Bridging cost analyser\n\n```json\n{\n  \"loan_amount_gbp\": 500000,\n  \"monthly_interest_rate_pct\": 0.85,\n  \"term_months\": 12,\n  \"arrangement_fee_pct\": 2,\n  \"exit_fee_pct\": 0,\n  \"interest_structure\": \"rolled\"\n}\n```\n\nReturns total cost of borrowing, effective APR, side-by-side comparison of rolled-up vs retained vs serviced.\n\n### Development appraisal\n\n```json\n{\n  \"gdv_gbp\": 2000000,\n  \"land_or_purchase_price_gbp\": 400000,\n  \"build_cost_gbp\": 800000,\n  \"professional_fees_pct\": 10,\n  \"contingency_pct\": 10,\n  \"ltc_pct\": 75,\n  \"finance_monthly_rate_pct\": 0.85,\n  \"finance_term_months\": 18,\n  \"arrangement_fee_pct\": 2\n}\n```\n\nReturns net profit, profit on GDV, profit on cost, LTC, LTGDV, viability status.\n\n### BTL stress tester\n\n```json\n{\n  \"monthly_rent_gbp\": 2500,\n  \"loan_amount_gbp\": 300000,\n  \"product_rate_pct\": 5.5,\n  \"ownership\": \"personal\"\n}\n```\n\nReturns current ICR, gross yield, and pass/fail at 125%, 145%, 170% ICR thresholds.\n\n### Stamp duty calculator\n\n```json\n{\n  \"property_price_gbp\": 750000,\n  \"jurisdiction\": \"england\",\n  \"property_type\": \"residential\",\n  \"buyer_type\": \"additional\"\n}\n```\n\nReturns banded breakdown, total tax, effective rate as percentage of purchase price.\n\n## Source of truth\n\nCalculation formulas are ported from the [FD Commercial mobile app](https://www.fdcommercial.co.uk/app/) (also available [free on Google Play](https://play.google.com/store/apps/details?id=co.uk.fdcommercial.propertyfinance)). Web/mobile/MCP all return identical numbers for identical inputs.\n\nTax 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.\n\n## About FD Commercial\n\nFD 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).\n\n- Website: https://www.fdcommercial.co.uk\n- Phone: +44 3300 100315\n- Email: hello@fdcommercial.co.uk\n- All free property finance tools: https://www.fdcommercial.co.uk/property-finance-tools/\n\n## License\n\nMIT. See LICENSE file.\n\n## Contributing\n\nIssues and pull requests welcome at https://github.com/fdcommercial/property-finance-mcp.\n",
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