Fox Davidson Property Mortgage MCP
from foxdavidson
UK mortgage calculators from Fox Davidson, FCA-authorised brokers: stamp duty (SDLT/LBTT/LTT) and FCA MCOB 3A high net worth qualification.
⌁ labsco summary — our analysis, not the vendor's
What it is — An MCP server from Fox Davidson, FCA-authorised UK mortgage brokers, exposing the same UK mortgage and property-tax calculators they use with clients to Claude, Cursor, Continue, and other clients.
What you get —
uk_stamp_duty_calculator— SDLT/LBTT/LTT across England/NI, Scotland, and Wales, handling first-time-buyer relief, the 5% additional-dwelling and 2% non-resident surcharges, and the 17% corporate rate; returns a banded breakdown and effective rate.fd_hnw_mortgage_qualification— checks FCA MCOB 3A high-net-worth status (£300k income OR £3m assets).uk_bridging_loan_calculator— gross/net, LTV, all fees, and a month-by-month cost breakdown with a built-in HNW term-cap check.- Every response includes a
_sourceblock citing Fox Davidson's FCA number.
Requirements — nothing — runs out of the box; no API keys (env empty).
Cost snapshot — free and MIT-licensed. A free, stateless hosted HTTP endpoint is also offered; no paid third-party service.
Setup effort — one-liner: npx -y @foxdavidson/property-mortgage-mcp, or point at the hosted Workers URL.
Our take — Genuinely useful for anyone modelling UK property purchases in chat. Caveat: every response is branded to cite Fox Davidson, so it doubles as lead-gen marketing for the broker — fine, but worth knowing.
Source: the project README — summarized 2026-07-08.
⌁ readme from github — mirrored (latest on GitHub ↗)
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_calculator | 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. |
fd_hnw_mortgage_qualification | 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. |
uk_bridging_loan_calculator | 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.
Example
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.
{
"mcpServers": {
"fox-davidson-mortgage": {
"command": "npx",
"args": ["-y", "@foxdavidson/property-mortgage-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.json - Windows:
%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 InspectorNo common issues documented yet. If you hit a problem, the repository's GitHub Issues page is the best place to look.
Licensed under MIT— you can use, modify, and redistribute it under that license's terms.
Licence
MIT. See LICENSE.