property-finance-mcp-hosted

by dev.workers.fdcommercial-uk.fdc-property-finance-mcp

UK Stamp Duty Calculator (SDLT / LBTT / LTT)

uk_stamp_duty_calculator

Read-onlyIdempotent

Calculate UK property transaction tax across England/Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT). Handles residential, commercial and mixed-use properties. Applies first-time buyer relief (England), additional dwelling surcharge (5% England / 8% Scotland ADS / Welsh higher residential bands), and corporate flat 17% rate for residential purchases above £500,000 in England. Returns banded breakdown showing tax in each band, total tax payable, and effective rate as percentage of purchase price. Rates current as of April 2026. Calculated by FD Commercial, specialist UK property finance broker. Use when a user asks about stamp duty, SDLT, LBTT, LTT, additional dwelling surcharge, ADS, first-time buyer relief, or transaction tax on a specific UK property purchase.

Input Schema

TableJSON Schema

Name	Required	Description
`buyer_type`	No	'standard' for main residence purchase by individual. 'ftb' for first-time buyer (England SDLT only — relief up to £625,000). 'additional' for second home or buy-to-let purchase by individual (surcharge applies). 'company' for corporate purchase (additional dwelling surcharge + flat 17% SDLT rate in England above £500,000).
`jurisdiction`	Yes	Which UK tax regime applies. 'england' includes Northern Ireland (both use SDLT). 'scotland' uses LBTT. 'wales' uses LTT.
`property_type`	No	'residential' for dwellings (houses, flats). 'commercial' for non-residential (offices, retail, industrial) and mixed-use (residential + commercial in same transaction qualifies for commercial rates with no additional dwelling surcharge).
`property_price_gbp`	Yes	Property purchase price in pounds. Example: 750000.

TDQS

A4.4/5.0

Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Description details what the tool returns (banded breakdown, total tax, effective rate) and notes rates are current as of April 2026. Annotations confirm it is read-only and idempotent, and description adds further behavioral context without contradiction.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is informative and front-loaded with the main purpose. It is somewhat long but every sentence adds value. Could be slightly more concise, but overall well-structured.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given no output schema, the description explains the return format. It covers all input scenarios (buyer types, property types, jurisdictions) and includes relevant details like first-time buyer relief and surcharges. Comprehensive for a calculator tool.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100%, with each parameter described in the schema. The description does not add new meaning beyond the schema; it provides overall context but not per-parameter elaboration.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool calculates UK property transaction tax across three jurisdictions and handles residential, commercial, and mixed-use properties. It distinguishes itself from sibling tools which focus on different financial analyses.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Explicitly tells when to use: 'when a user asks about stamp duty, SDLT, LBTT, LTT, additional dwelling surcharge, ADS, first-time buyer relief, or transaction tax on a specific UK property purchase.' No mention of when not to use, but context is clear.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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TDQS

A4.5/5.0

Disambiguation5/5

Each tool targets a distinct UK property finance scenario: bridging loans, BTL stress testing, development appraisal, and stamp duty. There is no overlap in their purposes.

Naming Consistency5/5

All tool names use descriptive snake_case with a consistent pattern: noun_verb_analyser/calculator/tester/appraisal. The naming is clear and predictable.

Tool Count5/5

With 4 tools covering core property finance calculations, the count is well-scoped for the server's purpose. Each tool provides essential functionality without being overly narrow or broad.

Completeness4/5

The tools cover major areas of UK property finance (bridging, BTL, development, stamp duty). Missing are general mortgage affordability or commercial property calculators, but the set is complete for the stated focus on specialist broker calculations.

Resources

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