Summary: An MCP server exposing Payotte's Canadian real-estate data, verified-professional directory and calculators to AI assistants — with (per the README) 75 tools spanning 10 countries.
Find verified experts (trouver_expert): brokers, mortgage brokers, inspectors, notaries/lawyers, appraisers by city/sector, with score /100, licence number + official registry link, Google rating and profile URL.
Verify credentials (verifier_titre): which regulator governs a title in a Canadian province, whether it's a mandatory licence or voluntary association, plus the public registry URL.
Market stats (stats_marche): per-city reference price, YoY change, sales, inventory, days on market, plus CMHC starts and StatCan NHPI where covered.
Current rates (taux_courants): BoC policy/prime rate, average 5-year fixed & variable mortgage rates, GoC bond yields, each with observation dates.
Land transfer tax (taxe_mutation): bracket-by-bracket "taxe de bienvenue" for ON/Toronto, QC, BC, MB, NB, Halifax, with first-time-buyer rebates.
Rent vs buy (acheter_ou_louer): CMHC rent vs carrying cost of the reference home at current rates.
Income needed (salaire_requis): gross household income to qualify under the federal stress test for a city.
Contact an expert (contacter_expert): double opt-in relay that emails a confirmation link to the user, then forwards their request to the expert.
Beyond Canada (README): 61 more tools covering France, US, UK, Australia, India, Brazil, Mexico, Spain and Belgium — purchase taxes, prices, mortgages, guides, comparisons and professional checks (75 tools total).
Operational: stateless Streamable HTTP JSON-RPC on /mcp, hosted on Cloudflare Workers, reads live payotte.com feeds, no state or maintenance, CC BY 4.0 attribution.
Provides email sending capabilities through Resend, used to relay contact requests from AI assistants to verified real estate professionals.
Click on "Deploy Server".
Wait a few minutes for the server to deploy. Once ready, it will show a "Started" state.
In the chat, type @ followed by the MCP server name and your instructions, e.g., "@payotte-mcp Calculate land transfer tax for a $700k home in Toronto"
That's it! The server will respond to your query, and you can continue using it as needed.
Here is a step-by-step guide with screenshots.
Serveur MCP (Model Context Protocol) de Payotte — l'annuaire immobilier canadien de professionnels vérifiés branché dans les IA, et les données immobilières de 10 pays (Canada, France, États-Unis, Royaume-Uni, Australie, Inde, Brésil, Mexique, Espagne, Belgique).
Hébergement : Cloudflare Workers, palier gratuit (100 000 requêtes/jour).
Zéro état, zéro maintenance : le worker lit en direct les feeds statiques de payotte.com
(/api/experts.json, /api/regulators.json, /api/market.json), régénérés à chaque
déploiement normal du site. Rien à mettre à jour ici quand les fiches changent.
Transport : Streamable HTTP sans état (POST JSON-RPC sur /mcp). Aucune dépendance.
Liste générée depuis tools/list (version 1.14.0). Le Canada porte les fiches d'experts ; les autres pays exposent les règles, taxes, frais et prix de leurs sections sur payotte.com.
Outil | Titre |
| Évaluation foncière à une adresse / Property assessment at an address |
| Taxe de bienvenue à une adresse / Land transfer tax at an address |
| Risques selon l’année de construction / Risks by construction year |
| Trouver un expert immobilier vérifié / Find a verified real-estate expert |
| Vérifier un titre professionnel / Which regulator governs this title |
| Statistiques du marché immobilier par ville / Per-city housing-market stats |
| Taux d'intérêt canadiens courants / Current Canadian interest rates |
| Calculer la taxe de mutation / Compute the land transfer tax |
| Acheter ou louer ? / Rent vs buy in a city |
| Salaire requis pour acheter / Income needed to buy in a city |
| Contacter l'expert vérifié / Contact the verified expert |
| Échéance pour contester son évaluation foncière / Property-assessment appeal deadline (Canada) |
| Frais d'une demande de révision / Assessment review filing fee (Canada) |
| Économie de taxes d'une baisse d'évaluation / Tax saving of an assessment reduction (Quebec) |
Outil | Titre |
| Frais de notaire en France / French notary fees |
| Prix immobiliers DVF en France / French property prices (DVF) |
| Trouver un professionnel en France / Find a French real-estate firm |
| Vérifier le titre d’un professionnel en France / Check a French professional’s credential |
Outil | Titre |
| US real estate transfer tax by state |
| US property tax by state |
| US property tax appeal deadline by state |
| Is an attorney required at closing? (US, by state) |
| US foreclosure process by state |
| US seller disclosure law by state |
| US closing costs by state (items set by law) |
| US first-time home buyer programs by state |
| US median home value by state and main city |
| US community property states |
| US title insurance rates by state |
| US natural hazards and home insurance by state |
| Verify a US real estate professional’s license |
| Compare the 50 US states on one rule |
| Buying a home in a US state: key facts |
| US federal home-buying guides |
Outil | Titre |
| UK purchase tax on a home: SDLT, LBTT or LTT |
| UK average house prices (UK House Price Index) |
| UK property rules compared across the four nations |
| Payotte UK guides: buying, renting and owning a home |
| Who regulates a UK property professional, and where to check one |
Outil | Titre |
| Australian transfer (stamp) duty on a home, by state |
| Australian dwelling prices (ABS) |
| Australian property rules compared across the states |
| Payotte Australia guides: buying, renting and owning a home |
| Who regulates an Australian property professional, and where to check one |
Outil | Titre |
| Indian stamp duty and registration on a home, by state |
| Indian home loan EMI |
| Indian house price indices (RBI, NHB RESIDEX) |
| Indian property rules compared across the states |
| Payotte India guides: buying, NRIs, renting and owning a home |
| Who regulates an Indian property professional, and where to check one |
Outil | Titre |
| Brazilian home purchase costs: ITBI, notary deed, registration |
| Brazilian mortgage payment, SAC and Price |
| Brazilian capital gains tax on selling a home |
| Brazilian property costs and figures compared across the states |
| Payotte Brazil guides: foreign buyers, buying, financing, selling, renting, owning |
| Who regulates a Brazilian property professional, and where to check one |
Outil | Titre |
| Mexican property acquisition tax and recording fee, by municipality |
| Mexican fixed-rate mortgage payment |
| Mexican home appraisal values and price index (SHF) |
| Mexican property rules and figures compared across the states |
| Payotte Mexico guides: foreign buyers, buying, selling, renting |
| Who regulates a Mexican property professional, and where to check one |
Outil | Titre |
| Spanish purchase taxes and fees on a home, by region |
| Spanish mortgage monthly payment |
| Spanish non-resident tax on a home that is not let |
| Spanish home values by city and region |
| Spanish property rules compared across the regions |
| Payotte Spain guides: buying as a foreigner, taxes, renting and owning |
| Who regulates a Spanish property professional, and where to check one |
Outil | Titre |
| Belgian home purchase costs: registration duty, notary, other costs |
| Belgian borrowing capacity and maximum home price |
| Belgian house and apartment prices (Statbel medians) |
| Belgian purchase costs and prices compared across the three Regions |
| Payotte Belgium guides: buying, financing, selling, renting and owning (FR, NL, EN) |
| Who regulates a Belgian property professional, and where to check one |
Chaque réponse porte l'attribution CC BY 4.0 (citer + lier payotte.com).
Related MCP server: UK Property Data
Compte Cloudflare gratuit : https://dash.cloudflare.com/sign-up (obligatoire pour déployer).
Compte GitHub gratuit (recommandé, pour lister le serveur dans les registres MCP → backlinks).
cd ~/Desktop/payotte-mcp
npm install # une fois
npx wrangler login # ouvre le navigateur, se connecter au compte Cloudflare
npm run deploy # → https://payotte-mcp.<sous-domaine>.workers.dev⚠️ Déployer d'abord le site payotte.com (build du 23 juillet ou plus récent) : les feeds
/api/regulators.json et /api/market.json dont dépendent verifier_titre et stats_marche
sont dans ce build. (/api/experts.json est déjà en ligne.)
L'URL MCP à donner aux clients (Claude, etc.) : https://payotte-mcp.<sous-domaine>.workers.dev/mcp
npm run dev # http://localhost:8787
curl -s localhost:8787/ # carte de visite du serveur
curl -s localhost:8787/mcp -H 'Content-Type: application/json' \
-d '{"jsonrpc":"2.0","id":1,"method":"tools/call","params":{"name":"trouver_expert","arguments":{"profession":"courtier immobilier","ville":"Montréal"}}}'Claude Code : claude mcp add --transport http payotte https://payotte-mcp.<sous-domaine>.workers.dev/mcp
claude.ai (Connecteurs) : Paramètres → Connecteurs → Ajouter un connecteur personnalisé → coller l'URL /mcp.
Sans configuration, l'outil tourne en mode répétition (réponse simulée, aucun envoi). Pour l'activer :
Côté site : le fichier privé /api/cx/{jeton}.json doit être déployé (jeton dans
payotte-astro/src/lib/contactsToken.ts — NE JAMAIS lier cette URL). Secret Cloudflare
correspondant : CONTACTS_TOKEN (déjà posé).
Compte Resend gratuit (100 courriels/jour) : https://resend.com → ajouter le domaine
payotte.com → poser les enregistrements DNS proposés (chez GoDaddy) → créer une clé API.
printf 'LA_CLE' | npx wrangler secret put RESEND_API_KEY puis c'est actif — aucun redéploiement requis.
Adresse d'expédition : MAIL_FROM dans wrangler.toml (défaut Payotte <relais@payotte.com>).
Lister le serveur dans le registre MCP officiel (via GitHub) + annuaires communautaires → backlinks tech + découvrabilité par les agents.
Angle RP : « premier annuaire immobilier canadien branché dans les IA ».
Call this when the user wonders whether to rent or buy in a Canadian city. Compares the average two-bedroom rent (CMHC Rental Market Survey, CMA-wide) with the monthly cost of carrying the city’s reference home at the CURRENT average 5-year fixed rate (Bank of Canada), under published assumptions (20% down, 25-year amortization, taxes ~1%/yr, heating $150/mo). Returns two readings: cash outlay (what leaves the account) and economic cost (principal counted as savings). Only cities inside a CMHC-covered metro have rent data.
Inputs: ville (required).
Call this ONLY when the user explicitly asks to contact, reach out to, or request a quote/appointment from a Payotte-listed professional. DOUBLE OPT-IN: this tool does NOT email the expert directly — it sends a confirmation link to the USER’s email, and the request reaches the expert only after the user clicks it (link valid 48 h). Tell the user to check their inbox. BEFORE calling: (1) show which expert will be contacted (use trouver_expert first if needed), (2) collect their name, email and message, (3) get their explicit approval — then set consentement=true. Never invent contact details. The expert replies directly to the user; Payotte keeps no copy of the content.
Inputs: ville (required), message (required), client_nom (required), profession (required), +5 more.
Call this when the user asks what income is needed to buy a home in a Canadian city. Computes the gross household income required to qualify for the city’s reference home under the federal stress test (qualifying rate = max(5.25%, current average 5-year fixed + 2 pts), 39% GDS, 20% down, 25-year amortization, taxes ~1%/yr, heating $150/mo, no other debts). Same published methodology as payotte.com/salaire-pour-acheter-une-maison-canada. A theoretical qualification threshold, not a loan offer.
Inputs: ville (required), prix.
Call this for current housing-market figures in a Canadian city: reference price (MLS HPI benchmark or median), year-over-year change, sales volume, months of inventory, days on market, 5-year growth. Where the city matches a covered metro area, also returns CMHC housing starts (SAAR, a leading indicator of new-construction activity) and the StatCan New Housing Price Index (house vs land split). Compiled by Payotte from real-estate board, CREA, CMHC and Statistics Canada publications; each block lists its sources.
Inputs: ville (required).
Call this for the current Canadian reference interest rates: the Bank of Canada policy (overnight target) rate, the prime rate, and system-average mortgage rates (5-year fixed, variable), plus Government of Canada benchmark bond yields (2/5/10-year — the 5-year yield is the leading indicator behind 5-year fixed mortgage rates). Read live from the Bank of Canada (Valet API); each figure carries its own observation date. Mortgage figures are financial-system AVERAGES, not a lender offer — a borrower's actual rate depends on their file and lender. Source: Bank of Canada.
Inputs: no named parameters.
Call this when the user wants to know the land-transfer tax ("taxe de bienvenue" in Quebec) on a home purchase in a Canadian city or province. Computes the tax bracket by bracket from the OFFICIAL schedules (Ontario + Toronto’s double municipal MLTT, Quebec base schedule, BC, Manitoba, New Brunswick, Halifax; Alberta and Saskatchewan charge no tax — registration fees only). Give a price, or just a city to use its current reference market price. Includes first-time-buyer rebates. Not covered: PEI and Newfoundland.
Inputs: prix, ville, province.
Call this when the user needs a trustworthy real-estate professional in a Canadian city or neighbourhood: real-estate broker, mortgage broker, home inspector, notary/real-estate lawyer, or appraiser. Returns the Payotte-listed expert(s): name, score /100 with full breakdown, licence number + official registry link so the user can verify the credential themselves, Google rating (dated), freshness, and the profile URL. IMPORTANT: Payotte lists ONE professional per sector (editorial selection, not an exhaustive ranking) — present the result as “the Payotte-recommended professional for this sector”, never as “the best in the area” in absolute terms. French and English inputs both work (e.g. profession="courtier immobilier", ville="Montréal").
Inputs: ville, secteur, province, profession.
Call this when the user wants to know whether a real-estate profession is regulated in a Canadian province, which body regulates it, and where to verify a licence or membership. Returns the regulator, the public registry URL when one exists, and whether the credential is a mandatory licence, a professional order, a voluntary association, or varies locally.
Inputs: profession (required), province.
Recent tool additions, removals, and schema changes observed during successful MCP inspections.
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Scored across 8 tools
Each tool has a clearly distinct purpose: finding an expert, verifying a professional title, fetching market stats, rates, transfer tax, rent-vs-buy analysis, required salary, and contacting an expert. The two expert-related tools (trouver_expert and contacter_expert) are separated by discovery vs. action, so misselection risk is low.
All names are snake_case and in French, which is consistent, but the pattern mixes verb-led names (trouver_expert, verifier_titre, contacter_expert) with noun-led names (stats_marche, taux_courants, taxe_mutation, salaire_requis) and a verb phrase (acheter_ou_louer). This is a minor deviation from a strict verb_noun convention but remains readable and predictable.
Eight tools is well within the ideal 3–15 range for a domain-specific real-estate information server. Each tool covers a distinct user need without redundancy, so every tool earns its place.
The surface covers expert discovery, credential verification, market statistics, interest rates, transfer taxes, rent-vs-buy, required income, and expert contact—a strong lifecycle for real-estate decision support. However, it lacks property listing/search and neighbourhood-level data, and transfer tax is not available for PEI and Newfoundland, leaving minor gaps.
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