Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so safety is covered; the description adds real behavioral context by pinning the rate year, the £225,000 nil band, and the absence of first-time buyer relief. It does not describe the shape of the result (e.g. whether a band breakdown or a single total is returned), which is the main remaining gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.