Skip to main content
Glama

property-mortgage-mcp

by io.github.foxdavidson

UK Bridging Loan Calculator (with MCOB 3A term check)

uk_bridging_loan_calculator
Read-onlyIdempotent

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 upfront) and serviced (paid monthly) interest. Also runs the FCA MCOB 3A high net worth check: on a regulated bridge, an applicant with annual net income of at least GBP 300,000 OR net assets of at least GBP 3,000,000 can have a term up to 60 months instead of the standard 12-month cap. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks what a bridging loan costs, about bridging interest (rolled-up, retained or serviced), bridging LTV, regulated vs unregulated bridging, or the maximum term on a regulated bridge.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
regulatedNoTrue 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_monthsNoLoan term in months.
exit_fee_pctNoExit fee as a percentage, charged on redemption. Often 0.
admin_fees_gbpNoAdmin and other fees in pounds.
legal_fees_gbpNoLender and borrower legal fees in pounds.
net_assets_gbpNoOptional. 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_pctNoMonthly interest rate as a percentage, for example 0.75 for 0.75% per month.
exit_fee_on_grossNoWhether the exit fee is charged on the gross loan (true) or the net loan (false).
valuation_fee_gbpNoValuation fee in pounds.
interest_structureNo'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.
property_value_gbpYesOpen market value of the security property in pounds.
arrangement_fee_pctNoLender arrangement fee as a percentage of the loan.
additional_funds_gbpNoAdditional cash required beyond clearing existing charges, in pounds.
existing_charges_gbpNoExisting mortgages or loans the bridge will repay, in pounds.
annual_net_income_gbpNoOptional. 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_loanNoWhether the arrangement fee is financed into the gross loan (true) or paid separately in cash (false).

TDQS

A4.2/5.0
Behavior4/5

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

Annotations (readOnlyHint, idempotentHint, destructiveHint) already indicate safe, read-only behavior. The description adds further transparency by explaining the MCOB 3A high net worth check, the different interest structures, and the regulatory context (FCA-authorised broker). No contradictions with annotations.

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

Conciseness3/5

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

The description is informative but slightly verbose, including regulatory details (FRN number) that may not be essential for tool selection. It is front-loaded with the main purpose, which is good, but could be more concise without losing critical information.

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

Completeness4/5

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

Given 16 parameters and no output schema, the description adequately covers the tool's inputs, outputs (list of calculated items), and complex behavior (MCOB 3A check). It explains the three interest types and the two optional fields for the term check, making it complete enough for an agent to invoke correctly.

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

Parameters4/5

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

Schema description coverage is 100%, so baseline is 3. The description adds value beyond the schema by explaining the interest structures (e.g., 'Retained and serviced cost the same; rolled-up costs more') and the purpose of the MCOB 3A parameters (net assets, net income). This helps an agent understand parameter relationships and application.

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 the full cost of a UK bridging loan, listing specific cost components and the MCOB 3A term check. It distinguishes itself from siblings by providing explicit usage cues such as 'Use when a user asks what a bridging loan costs...', making it easy for an AI agent to select the correct tool.

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?

The description provides explicit guidance on when to use the tool, including specific user queries about bridging loan costs, interest types, LTV, regulated vs unregulated, and maximum term. While it does not explicitly mention when not to use it, the context of sibling tools (stamp duty and HNW mortgage) makes the usage scope clear.

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

All property-mortgage-mcp toolsInspect
Try in Browser
RayrunBuild, deploy, and operate MCP servers without becoming an infrastructure team.ray.runAd

Glama MCP Gateway

Add one secure layer between your agents and this server.

TDQS

A4.1/5.0
Disambiguation5/5

Each tool targets a distinct area: HNW mortgage qualification, bridging loan cost calculation, and stamp duty calculation. There is no overlap in functionality, so an agent can clearly differentiate them.

Naming Consistency3/5

Tool names use mixed prefixes (fd_ vs uk_) and mixed patterns (noun_verb vs noun_noun). While descriptive, they lack a uniform convention, making it slightly harder to predict tool names.

Tool Count3/5

Three tools is on the lower end for a property/mortgage domain, but still acceptable for a specialized niche. The scope is focused on specific calculations, so the count is reasonable.

Completeness3/5

The set covers key specialist areas (high net worth, bridging, stamp duty) but lacks standard mortgage affordability or product comparison tools. For its stated purpose, there are noticeable gaps but not critical.

Resources