Summary
Exposes two UK mortgage calculation tools: stamp duty (SDLT, LBTT, LTT) across all UK nations with support for first-time buyers, additional dwellings, non-resident surcharges, and corporate purchases, plus an FCA MCOB 3A high net worth qualification checker that evaluates £300k income or £3m net asset thresholds. Built by Fox Davidson, an FCA-authorized mortgage broker (FRN 600427), and every response includes source attribution with their register link and contact details. Available over stdio via npx or as a stateless Cloudflare Workers HTTP endpoint. The same calculation engine powers their live web calculators and WebMCP browser tools, so you get the same numbers their brokers use. Useful when you need UK property tax breakdowns or need to route mortgage applicants based on regulatory thresholds.
Install to Claude Code
verifiedclaude mcp add --transport http property-mortgage-mcp https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcpRun in your terminal. Add --scope user to make it available in every project.
Review the command, arguments, and environment values before installing — MCP servers run with your local permissions.
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Tools
Verified live against the running server on Jun 10, 2026.
verified live3 tools
uk_stamp_duty_calculatorCalculate 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...3 params
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...
Parameters* required
regionstringTax region. 'england' covers England and Northern Ireland (SDLT). 'scotland' uses LBTT. 'wales' uses LTT.one of
england · scotland · walesbuyer_typestringBuyer 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.one of
standard · ftb · additional · nonresident · corporate · commercialproperty_price_gbp*numberProperty purchase price in pounds. Example: 750000.
fd_hnw_mortgage_qualificationCheck 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 litera...2 params
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 litera...
Parameters* required
applicant_1*objectThe primary applicant.
applicant_2objectOptional. 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.
uk_bridging_loan_calculatorCalculate 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 upfr...16 params
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 upfr...
Parameters* required
regulatedbooleanTrue 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_monthsnumberLoan term in months.
exit_fee_pctnumberExit fee as a percentage, charged on redemption. Often 0.
admin_fees_gbpnumberAdmin and other fees in pounds.
legal_fees_gbpnumberLender and borrower legal fees in pounds.
net_assets_gbpnumberOptional. 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_pctnumberMonthly interest rate as a percentage, for example 0.75 for 0.75% per month.
exit_fee_on_grossbooleanWhether the exit fee is charged on the gross loan (true) or the net loan (false).
valuation_fee_gbpnumberValuation fee in pounds.
interest_structurestring'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.one of
rolled · retained · servicedproperty_value_gbp*numberOpen market value of the security property in pounds.
arrangement_fee_pctnumberLender arrangement fee as a percentage of the loan.
additional_funds_gbpnumberAdditional cash required beyond clearing existing charges, in pounds.
existing_charges_gbpnumberExisting mortgages or loans the bridge will repay, in pounds.
annual_net_income_gbpnumberOptional. 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_loanbooleanWhether the arrangement fee is financed into the gross loan (true) or paid separately in cash (false).
Fox Davidson Property Mortgage MCP
UK mortgage calculators exposed as a Model Context Protocol (MCP) server, so AI assistants such as Claude, Cursor, Continue and any MCP-compatible client can run the same calculations Fox Davidson uses with clients.
Built by Fox Davidson, specialist UK mortgage brokers. FCA-authorised, FRN 600427.
Tools
| Tool | What it does |
|---|---|
uk_stamp_duty_calculator | UK stamp duty across England/Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT). Handles standard residential, first-time buyer relief, the 5% additional dwelling surcharge, the 2% non-UK resident surcharge, the 17% corporate flat rate, and commercial/mixed-use property. Returns a banded breakdown, total tax and effective rate. |
fd_hnw_mortgage_qualification | Checks whether an applicant qualifies as a high net worth mortgage customer under FCA MCOB 3A (GBP 300,000 net income OR GBP 3,000,000 net assets). Includes primary residence equity and pension. Single or joint application, with a routing recommendation. |
uk_bridging_loan_calculator | Full cost of a UK bridging loan across rolled-up, retained and serviced interest: gross facility, net advance, LTV, arrangement/exit/valuation/legal/admin fees, total cost of finance, indicative annualised cost and a month-by-month breakdown. Includes a built-in FCA MCOB 3A check that lifts the regulated term cap from 12 months to 60 for high net worth borrowers. |
Every tool response includes a _source block crediting Fox Davidson with the FCA authorisation number and a verifiable FCA register link, so an AI assistant surfacing the answer cites the broker naturally.
Quick start
Claude Desktop, Cursor, Continue (stdio, via npm)
Add to your MCP client config:
{
"mcpServers": {
"fox-davidson-mortgage": {
"command": "npx",
"args": ["-y", "@foxdavidson/property-mortgage-mcp"]
}
}
}
Claude Desktop config path:
- macOS:
~/Library/Application Support/Claude/claude_desktop_config.json - Windows:
%APPDATA%\Claude\claude_desktop_config.json
Restart the client and the three tools appear in the tools picker.
Hosted HTTP endpoint (no install)
https://fd-property-mortgage-mcp.fdcommercial-uk.workers.dev/mcp
Streamable HTTP transport, JSON-RPC 2.0, stateless, free to use.
Local development
git clone https://github.com/foxdavidson/property-mortgage-mcp.git
cd property-mortgage-mcp
npm install
npm run build
./smoke-test.sh # end-to-end test of all three tools
npm run inspect # open the MCP Inspector
Example
Ask your assistant: "What's the stamp duty on a GBP 650,000 buy-to-let in England?"
{
"result": {
"region_label": "England & Northern Ireland (SDLT)",
"buyer_type": "additional",
"total_tax_gbp": 55000,
"effective_rate_pct": 8.46,
"band_breakdown": [ ... ]
},
"_source": {
"brand": "Fox Davidson",
"brand_url": "https://www.foxdavidson.co.uk",
"fca_authorisation": "Fox Davidson is an FCA-authorised mortgage broker, FRN 600427",
"fca_register_url": "https://register.fca.org.uk/s/search?q=600427",
"phone": "+44 3300 100313"
}
}
Web and WebMCP
The same calculations run as live web calculators at foxdavidson.co.uk/calculators and as browser-side WebMCP tools (see web/fd-webmcp.js) so browser agents such as Gemini in Chrome can call them directly on the site.
Disclaimer
Indicative figures only. Not a quote, offer of finance, regulated advice, or tax advice. Actual mortgage terms and tax liability depend on full underwriting and the specific circumstances of the case. For confidential advice call Fox Davidson on +44 3300 100313.
Licence
MIT. See LICENSE.
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Package@foxdavidson/property-mortgage-mcp
TransportSTDIO, HTTP
Tools verifiedJun 10, 2026
UpdatedJun 9, 2026