Fox Davidson Property Mortgage MCP
This server provides UK mortgage and property tax calculators exposed as MCP tools, allowing AI assistants to perform calculations used by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427).
Calculate UK Stamp Duty (uk_stamp_duty_calculator)
Computes stamp duty across all three UK tax regimes: England & Northern Ireland (SDLT), Scotland (LBTT), and Wales (LTT)
Handles multiple buyer types: standard residential, first-time buyer, additional dwelling (second home/buy-to-let), non-UK resident, corporate, and commercial/mixed-use
Applies relevant surcharges: 5% additional dwelling surcharge, 2% non-UK resident surcharge (England/NI), and 17% corporate flat rate for company purchases above £500k (England/NI)
Returns a banded breakdown of tax, total tax payable in GBP, and the effective tax rate
Check High Net Worth Mortgage Qualification (fd_hnw_mortgage_qualification)
Determines whether an applicant qualifies as a high net worth mortgage customer under FCA MCOB 3A rules
Applies two qualifying tests: annual net income ≥ £300,000 OR net assets ≥ £3,000,000
Includes primary residence equity and pension in net asset calculations (configurable)
Supports single and joint applications, returning a per-applicant breakdown, verdict, and routing recommendation including a relevant UK private bank list
Calculate UK Bridging Loan Costs
Calculates the full cost of a bridging loan, including interest type (rolled-up, retained, or serviced), fees, total cost of finance, and a monthly breakdown
Includes an FCA-regulated term check for high net worth borrowers
All tools include a _source block crediting Fox Davidson with FCA authorisation details, and are read-only, idempotent, and stateless — safe for repeated use.
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 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. |
| 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. |
| 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.
Related MCP server: irs-taxpayer-mcp
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.jsonWindows:
%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/mcpStreamable 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 InspectorExample
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.
Maintenance
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