# io.github.fdcommercial/property-finance-mcp

> UK property finance: bridging cost, dev appraisal, BTL stress test, stamp duty (SDLT/LBTT/LTT).

- name: io.github.fdcommercial/property-finance-mcp
- version: 0.1.1
- connection class: unknown (unknown)
- trust: 69/100
- quality: 84/100 (good)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.github.fdcommercial%2Fproperty-finance-mcp
- tools: https://api.protogrid.dev/v1/servers/io.github.fdcommercial%2Fproperty-finance-mcp/tools

**Not classified yet.** The remote endpoints have not been probed successfully, or the listing has nothing to connect to.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "property-finance-mcp": {
      "type": "http",
      "url": "https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp"
    }
  }
}
```


## Trust

- hygiene: 100
- liveness: 29
- freshness: 65
- provenance: 90
- drivers: +repository +namespace-matches-repo +website -unreachable(1 failures) ~updated-154d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 84/100 (good)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-06-18; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 100 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 4 of 4 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 2,223 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: 100 (weight 15)

- pass `stability.changes`: no tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name

### dependencies: 50 (weight 15)

- warn `deps.known_vulns`: 1 advisory of lower severity or without a published fix: GHSA-5r4p-p66f-jhc7 in hono@4.13.9 (indirect, fixed in 4.13.11)
- fail `deps.mcp_sdk_version`: @modelcontextprotocol/sdk 1.30.1 has 3 known advisories (GHSA-22jm-h49p-29qw, GHSA-6prh-2h8m-c8cw, GHSA-6qxp-vccf-f47h); update @modelcontextprotocol/sdk to 1.32.0 or later
- pass `deps.resolvable`: @fdcommercial/property-finance-mcp@0.1.1 resolved: 98 packages

- tools: 4, about 2,223 tokens to load them all
- tool set hash: 8ce3166a35974bed70e34cfff5afb5e9
- badge: [![protogrid quality](https://protogrid.dev/badge/io.github.fdcommercial/property-finance-mcp.svg)](https://protogrid.dev/servers/io.github.fdcommercial/property-finance-mcp)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Dependencies

- npm @fdcommercial/property-finance-mcp@0.1.1: resolved, 97 dependencies, MCP SDK @modelcontextprotocol/sdk 1.30.1
  - GHSA-22jm-h49p-29qw (high) in `` @modelcontextprotocol/sdk@1.30.1 ``, direct, fixed in `` 1.32.0 ``, advisory summary: "MCP TypeScript SDK: Experimental tasks were not tied to the session that created them" https://osv.dev/vulnerability/GHSA-22jm-h49p-29qw
  - GHSA-6qxp-vccf-f47h (high) in `` @modelcontextprotocol/sdk@1.30.1 ``, direct, fixed in `` 1.31.0 ``, advisory summary: "MCP TypeScript SDK: OAuth client could send credentials to an authorization server chosen by the MCP server" https://osv.dev/vulnerability/GHSA-6qxp-vccf-f47h
  - GHSA-6prh-2h8m-c8cw (moderate) in `` @modelcontextprotocol/sdk@1.30.1 ``, direct, fixed in `` 1.32.0 ``, advisory summary: "MCP TypeScript client SDK: HTTP client transports and OAuth requests followed cross-origin redirects and re-sent custom headers and request bodies" https://osv.dev/vulnerability/GHSA-6prh-2h8m-c8cw
  - GHSA-5r4p-p66f-jhc7 (moderate) in `` hono@4.13.9 ``, indirect, fixed in `` 4.13.11 ``, advisory summary: "Hono: \`serveStatic\` decodes the request path a second time, leading to bypass of middleware on static paths" https://osv.dev/vulnerability/GHSA-5r4p-p66f-jhc7

Dependency graphs from deps.dev; advisories from OSV.dev, including the GitHub Advisory Database and the PyPI Advisory Database; all CC BY 4.0.

## Remotes

- https://fdc-property-finance-mcp.fdcommercial-uk.workers.dev/mcp (streamable-http, auth none, reachable false, uptime30d 0.96581197)

## Packages

- npm @fdcommercial/property-finance-mcp@0.1.1

## Tools (4)

- `bridging_cost_analyser`: 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 bridging broker, using lender-grade formulas calibrated against live UK lender pricing. For loans £250,000 and above. Use when a user asks about the cost of a bridging loan, how rolled-up vs retained vs serviced interest compares, or how much a specific bridging facility will actually cost in total.
- `btl_stress_tester`: 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 landlord). Ownership-aware: personal name uses 5.5% stress rate; limited company uses max of product rate or 5.5%. Calculated by FD Commercial, specialist UK property finance broker. Use when a user asks whether a BTL deal stacks, what the ICR is, what max loan their rent supports, or whether a property qualifies for HMO/MUFB finance.
- `development_appraisal`: 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 (20%+ viable, 15-20% marginal, <15% unviable on profit on GDV basis). Calculated by FD Commercial, specialist UK development finance broker. Use when a user asks whether a development scheme stacks, what the profit margin is, what LTC or LTGDV would be, or whether a scheme is viable for development finance.
- `uk_stamp_duty_calculator`: 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 / Welsh higher residential bands), and corporate flat 17% rate for residential purchases above £500,000 in England. Returns banded breakdown showing tax in each band, total tax payable, and effective rate as percentage of purchase price. Rates current as of April 2026. Calculated by FD Commercial, specialist UK property finance broker. Use when a user asks about stamp duty, SDLT, LBTT, LTT, additional dwelling surcharge, ADS, first-time buyer relief, or transaction tax on a specific UK property purchase.