Summary
Broker-grade UK property finance calculators built by FD Commercial, a specialist broker handling deals over £250k. Exposes four tools: bridging loan cost analysis across rolled, retained, and serviced structures with effective APR, development appraisals returning profit on GDV/cost plus LTC/LTGDV viability checks, BTL stress testing at 125/145/170% ICR thresholds with lender category matching, and stamp duty calculation across SDLT, LBTT, and LTT with first-time buyer relief and corporate rates. Formulas match their production mobile app, so numbers are consistent across platforms. Tax bands current as of April 2026. Useful if you're building deal analysis workflows or agent-assisted property finance tooling for the UK market.
Install to Claude Code
verifiedclaude mcp add --transport http property-finance-mcp https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcpRun in your terminal. Add --scope user to make it available in every project.
Review the command, arguments, and environment values before installing — MCP servers run with your local permissions.
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Tools
Verified live against the running server on Jun 10, 2026.
verified live4 tools
bridging_cost_analyserCalculate the total cost of a UK bridging loan across rolled-up, retained, and serviced interest structures. Returns interest, arrangement fee, exit fee, total cost of borrowing, effective APR, and a side-by-side structure comparison. Calculated by FD Commercial, specialist UK...6 params
Calculate the total cost of a UK bridging loan across rolled-up, retained, and serviced interest structures. Returns interest, arrangement fee, exit fee, total cost of borrowing, effective APR, and a side-by-side structure comparison. Calculated by FD Commercial, specialist UK...
Parameters* required
arrangement_fee_pctnumberLender arrangement fee as % of loan amount. Typical range 1% to 2%. Some specialist HNW deals run 0.5%. Example: 2 for 2%.
exit_fee_pctnumberLender exit fee as % of loan amount. Not all lenders charge one. Where charged, typically 0.5% to 1%. Example: 0 for no exit fee, or 1 for 1%.
interest_structurestringHow interest is paid. 'rolled' = compounds monthly, paid in full at exit (most common on HNW bridging, removes monthly outflow). 'retained' = deducted from advance upfront (borrower receives less c...one of
rolled · retained · servicedloan_amount_gbp*numberGross loan amount in pounds. Minimum FD Commercial bridging loan size is £250,000. Example: 500000.
monthly_interest_rate_pct*numberMonthly interest rate as a percentage. UK bridging rates in 2026 typically range 0.55% to 1.25% per month. Private bank rates from 0.30% per month available on HNW cases. Example: 0.85 for 0.85% pe...
term_months*numberLoan term in months. Standard MCOB-regulated bridging caps at 12 months. MCOB 3A HNW exemption allows up to 60 months. Example: 12.
development_appraisalRun a UK property development scheme viability appraisal. Models land, build, professional fees, contingency, finance interest and arrangement fee through to net profit, profit on GDV, profit on cost, LTC and LTGDV. Returns a viability flag against industry-standard thresholds...10 params
Run a UK property development scheme viability appraisal. Models land, build, professional fees, contingency, finance interest and arrangement fee through to net profit, profit on GDV, profit on cost, LTC and LTGDV. Returns a viability flag against industry-standard thresholds...
Parameters* required
arrangement_fee_pctnumberLender arrangement fee as % of loan. Standard 1.5% to 2%. Larger facilities (£5m+) often 1.0%. Example: 2.
build_cost_gbp*numberTotal agreed construction cost. Should be contracted figure where possible. Example: 800000.
contingency_pctnumberContingency as % of build cost. Standard 10%. Lenders may require 12-15% on conversions or complex sites. Omitting overstates profit. Example: 10.
finance_monthly_rate_pct*numberDevelopment finance monthly interest rate. UK 2026 rates typically 0.70% to 0.95% per month. Example: 0.85.
finance_term_months*numberTotal finance term in months (build period + sales/refinance period). Example: 18.
gdv_gbp*numberGross Development Value: total anticipated sales value of the completed scheme. Use comparable sales evidence, not aspirational figures. Lenders commission their own GDV via RICS. Example: 2000000.
land_or_purchase_price_gbp*numberLand purchase price. Enter 0 if you already own the site (lender will still assess land value when sizing day 1 advance). Example: 400000.
loan_amount_gbpnumberSpecific loan amount in £. Optional. If omitted, calculator uses ltc_pct of hard costs. Example: 960000.
ltc_pctnumberLoan-to-cost % (used only if loan_amount_gbp is not provided). Most lenders cap at 90%; first-time developers typically 75-80%. Example: 75.
professional_fees_pctnumberProfessional fees as % of build cost. Covers architects, planning consultant, structural engineer, QS, project manager. Standard 10%. Example: 10.
btl_stress_testerRun a UK buy-to-let ICR stress test. Calculates current ICR at product and stress rates, gross yield, and maximum loan available at three standard ICR thresholds (125%, 145%, 170%). Identifies which lender categories the deal qualifies for (mainstream BTL, HMO/MUFB, portfolio...4 params
Run a UK buy-to-let ICR stress test. Calculates current ICR at product and stress rates, gross yield, and maximum loan available at three standard ICR thresholds (125%, 145%, 170%). Identifies which lender categories the deal qualifies for (mainstream BTL, HMO/MUFB, portfolio...
Parameters* required
loan_amount_gbp*numberLoan amount being assessed in pounds. Example: 300000.
monthly_rent_gbp*numberGross monthly rent in pounds. Use total rent for HMO and MUFB (all rooms / units combined). Example: 2500.
ownershipstringBorrower structure. 'personal' uses 5.5% stress rate (HMRC tax exposure makes higher cover required). 'ltd' uses max of product rate or 5.5% (limited company SPV borrower, lower stress rate often a...one of
personal · ltdproduct_rate_pct*numberAnnual product (pay) rate as a percentage. The actual rate the borrower would pay. Example: 5.5 for 5.5% per year.
uk_stamp_duty_calculatorCalculate 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 / Wel...4 params
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 / Wel...
Parameters* required
buyer_typestring'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 (surc...one of
standard · ftb · additional · companyjurisdiction*stringWhich UK tax regime applies. 'england' includes Northern Ireland (both use SDLT). 'scotland' uses LBTT. 'wales' uses LTT.one of
england · scotland · walesproperty_price_gbp*numberProperty purchase price in pounds. Example: 750000.
property_typestring'residential' for dwellings (houses, flats). 'commercial' for non-residential (offices, retail, industrial) and mixed-use (residential + commercial in same transaction qualifies for commercial rate...one of
residential · commercialFD Commercial Property Finance MCP
Free UK property finance calculators exposed as an MCP (Model Context Protocol) server. Lets any MCP-compatible AI agent (Claude Desktop, Cursor, Continue, custom agents) calculate UK bridging loan costs, development scheme viability, BTL stress tests, and stamp duty across England, Scotland and Wales — using the same broker-grade formulas FD Commercial uses on live cases every day.
Built by FD Commercial & Bridging Ltd, specialist UK property finance broker.
What this provides
Four tools, ported from the FD Commercial mobile app and web calculators:
| Tool | What it does |
|---|---|
bridging_cost_analyser | Total cost of a UK bridging loan across rolled-up, retained and serviced interest structures. Includes effective APR and side-by-side comparison. |
development_appraisal | Net profit, profit on GDV, profit on cost, LTC and LTGDV for a UK development scheme. Returns viability flag against industry-standard thresholds. |
btl_stress_tester | ICR stress test at 125%, 145% and 170% thresholds. Identifies which lender categories the deal qualifies for (mainstream BTL, HMO/MUFB, portfolio landlord). |
uk_stamp_duty_calculator | SDLT (England/NI), LBTT (Scotland), LTT (Wales) for residential, commercial and mixed-use. Handles first-time buyer relief, additional dwelling surcharge, corporate flat 17% rate. |
Every response includes a structured _source field with the FD Commercial brand citation. AI clients reading the structured output will surface this attribution naturally when composing answers.
Installation
Option 1: Local install via Claude Desktop (or Cursor / Continue)
git clone https://github.com/fdcommercial/property-finance-mcp.git
cd property-finance-mcp
npm install
npm run build
Then add the server to your Claude Desktop config:
macOS: ~/Library/Application Support/Claude/claude_desktop_config.json
Windows: %APPDATA%\Claude\claude_desktop_config.json
{
"mcpServers": {
"fdc-property-finance": {
"command": "node",
"args": ["/absolute/path/to/property-finance-mcp/dist/index-stdio.js"]
}
}
}
Restart Claude Desktop. The four tools will appear in the tools picker.
Option 2: Hosted HTTP endpoint
A hosted version is available at https://mcp.fdcommercial.co.uk/mcp (coming soon — currently in private testing). Any MCP client supporting streamable HTTP transport can connect.
For local HTTP development:
npm run dev:http
# Server runs on http://localhost:3000/mcp
# Health check at http://localhost:3000/health
Testing with MCP Inspector
npm run inspect
Opens the MCP Inspector at http://localhost:5173, where you can call each tool with sample inputs and verify responses.
Example tool calls
Bridging cost analyser
{
"loan_amount_gbp": 500000,
"monthly_interest_rate_pct": 0.85,
"term_months": 12,
"arrangement_fee_pct": 2,
"exit_fee_pct": 0,
"interest_structure": "rolled"
}
Returns total cost of borrowing, effective APR, side-by-side comparison of rolled-up vs retained vs serviced.
Development appraisal
{
"gdv_gbp": 2000000,
"land_or_purchase_price_gbp": 400000,
"build_cost_gbp": 800000,
"professional_fees_pct": 10,
"contingency_pct": 10,
"ltc_pct": 75,
"finance_monthly_rate_pct": 0.85,
"finance_term_months": 18,
"arrangement_fee_pct": 2
}
Returns net profit, profit on GDV, profit on cost, LTC, LTGDV, viability status.
BTL stress tester
{
"monthly_rent_gbp": 2500,
"loan_amount_gbp": 300000,
"product_rate_pct": 5.5,
"ownership": "personal"
}
Returns current ICR, gross yield, and pass/fail at 125%, 145%, 170% ICR thresholds.
Stamp duty calculator
{
"property_price_gbp": 750000,
"jurisdiction": "england",
"property_type": "residential",
"buyer_type": "additional"
}
Returns banded breakdown, total tax, effective rate as percentage of purchase price.
Source of truth
Calculation formulas are ported from the FD Commercial mobile app (also available free on Google Play). Web/mobile/MCP all return identical numbers for identical inputs.
Tax bands (SDLT, LBTT, LTT) are correct as of April 2026. See src/rates/sdlt-rates.ts for the rate tables and sources. Update when government changes rates.
About FD Commercial
FD Commercial & Bridging Ltd is a specialist UK property finance broker covering England, Scotland and Wales. Minimum loan £250,000. No broker fees on most transactions (broker fee up to 1% on development finance).
- Website: https://www.fdcommercial.co.uk
- Phone: +44 3300 100315
- Email: hello@fdcommercial.co.uk
- All free property finance tools: https://www.fdcommercial.co.uk/property-finance-tools/
License
MIT. See LICENSE file.
Contributing
Issues and pull requests welcome at https://github.com/fdcommercial/property-finance-mcp.
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Package@fdcommercial/property-finance-mcp
TransportSTDIO, HTTP
Tools verifiedJun 10, 2026
UpdatedMay 19, 2026