FD Commercial Property Finance
About
Four UK property finance calculators for AI assistants: bridging cost, dev appraisal, BTL stress test, stamp duty (SDLT/LBTT/LTT). By FD Commercial.
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Setting up with Highlight
This MCP is not yet compatible with Highlight’s one-click setup. However, you can still use it with Highlight by following these steps:
- Download and install Highlight from highlightai.com/download
- Navigate to the plugins tab and select "Add Custom Plugin"
-
Configure the plugin with the settings below
Plugin Name
FD Commercial Property FinanceCommand (node, npx, python, etc.)Please refer to the README for specific instructions on how to obtain API keys or other required environment variables.
- Enable "Start Automatically" if you want the plugin to start when Highlight launches
From the repository
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.jsonWindows:%APPDATA%\Claude\claude_desktop_config.json
{ "mcpServers": { "fdc-property-finance": { "command": "node", "args": ](https://www.fdcommercial.co.uk)["/absolute/path/to/property-finance-mcp/dist/index-stdio.js"] } } }
Restart Claude Desktop. The four tools will appear in the tools picker.
A hosted version is available athttps://mcp.fdcommercial.co.uk/mcp(coming soon — currently in private testing). Any MCP client supporting streamable HTTP transport can connect.
npm run dev:http # Server runs on http://localhost:3000/mcp # Health check at http://localhost:3000/health
Opens the MCP Inspector athttp://localhost:5173, where you can call each tool with sample inputs and verify responses.
{ "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.
{ "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.
{ "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.
{ "property_price_gbp": 750000, "jurisdiction": "england", "property_type": "residential", "buyer_type": "additional" }
Returns banded breakdown, total tax, effective rate as percentage of purchase price.
Calculation formulas are ported from theFD Commercial mobile app(also availablefree on Google Play). Web/mobile/MCP all return identical numbers for identical inputs.
Tax bands (SDLT, LBTT, LTT) are correct as of April 2026. Seesrc/rates/sdlt-rates.tsfor the rate tables and sources. Update when government changes rates.
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:[email protected]
- All free property finance tools:https://www.fdcommercial.co.uk/property-finance-tools/
Issues and pull requests welcome at[https://github.com/fdcommercial/property-finance-mcp.
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Claude Desktop / Cursor
Paste into your MCP client config file to install this server.
{
"mcpServers": {
"fd commercial property finance": {
"server": {
"command": "npx",
"args": [
"-y",
"@fdcommercial/property-finance-mcp"
]
}
}
}
}McpServers
{
"server": {
"command": "npx",
"args": [
"-y",
"@fdcommercial/property-finance-mcp"
]
}
}Transport
"stdio"Package
"@fdcommercial/property-finance-mcp"Registry
"npm"Four UK property finance calculators for AI assistants: bridging cost, dev appraisal, BTL stress test, stamp duty (SDLT/LBTT/LTT). By FD Commercial.
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 byFD Commercial & Bridging Ltd, specialist UK property finance broker.
Four tools, ported from the FD Commercial mobile app and web calculators:
Every response includes a structured_sourcefield with the FD Commercial brand citation. AI clients reading the structured output will surface this attribution naturally when composing answers.
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.jsonWindows:%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.
A hosted version is available athttps://mcp.fdcommercial.co.uk/mcp(coming soon — currently in private testing). Any MCP client supporting streamable HTTP transport can connect.
npm run dev:http # Server runs on http://localhost:3000/mcp # Health check at http://localhost:3000/health
Opens the MCP Inspector athttp://localhost:5173, where you can call each tool with sample inputs and verify responses.
{ "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.
{ "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.
{ "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.
{ "property_price_gbp": 750000, "jurisdiction": "england", "property_type": "residential", "buyer_type": "additional" }
Returns banded breakdown, total tax, effective rate as percentage of purchase price.
Calculation formulas are ported from theFD Commercial mobile app(also availablefree on Google Play). Web/mobile/MCP all return identical numbers for identical inputs.
Tax bands (SDLT, LBTT, LTT) are correct as of April 2026. Seesrc/rates/sdlt-rates.tsfor the rate tables and sources. Update when government changes rates.
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:[email protected]
- All free property finance tools:https://www.fdcommercial.co.uk/property-finance-tools/
Issues and pull requests welcome athttps://github.com/fdcommercial/property-finance-mcp.
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