explaingit

fdcommercial/property-finance-mcp

★ 0TypeScriptAudience · developerComplexity · 2/5ActiveLicenseSetup · easy

TLDR

MCP server that gives Claude Desktop and other AI assistants four UK property finance tools: bridging cost, development appraisal, buy-to-let stress test, and stamp duty calculation.

Mindmap

mindmap
  root((property-finance-mcp))
    Inputs
      Loan figures
      Project costs
      Property prices
    Outputs
      Bridging cost breakdown
      Development profit and viability
      Rent stress ratios
      SDLT LBTT LTT amounts
    Use Cases
      Quote a UK bridging loan from an AI chat
      Check if a buy-to-let meets lender ratios
      Calculate stamp duty across UK regions
    Tech Stack
      TypeScript
      MCP
      Node.js

Things people build with this

USE CASE 1

Let Claude Desktop quote a UK short-term bridging loan with three interest payment options

USE CASE 2

Run a development appraisal from a chat and see profit on cost and on GDV

USE CASE 3

Stress test a buy-to-let property against 125, 145, and 170 percent rent cover

USE CASE 4

Calculate SDLT, LBTT, or LTT including first-time buyer relief and additional-home surcharge

Tech stack

TypeScriptMCPNode.js

Getting it running

Difficulty · easy Time to first run · 30min

Clone, npm install, npm build, then point Claude Desktop's MCP config at the built JS file.

MIT: do almost anything with the code as long as you keep the copyright notice.

In plain English

This repository is a small server that gives AI assistants access to four UK property finance calculators. It is built as an MCP server, where MCP stands for Model Context Protocol, a standard that lets AI chat tools like Claude Desktop, Cursor, or Continue call external tools in a structured way. The calculators come from FD Commercial & Bridging Ltd, a UK commercial property finance broker, and the README says the formulas are the same ones used on the company's mobile app, web tools, and on live cases. The four tools cover common UK property finance questions. The bridging cost analyser works out the total cost of a short-term bridging loan and compares three ways of paying the interest. The development appraisal calculates profit on a property development project, both as a percentage of total cost and of final sale value, and returns a flag for whether the scheme looks viable. The buy-to-let stress tester checks whether a rental property meets the rent-to-mortgage ratios that lenders require at 125 percent, 145 percent, and 170 percent. The stamp duty calculator covers SDLT in England, LBTT in Scotland, and LTT in Wales, including first-time buyer relief and the surcharge for additional homes. Every response includes a source field with attribution to FD Commercial, so an AI that reads the structured output will naturally cite the broker when composing its answer. Tax bands are listed as correct in April 2026, with rate tables kept in a TypeScript file that needs updating when the government changes rates. Installation is documented for Claude Desktop, by cloning the repo, running npm install and build, and adding a small JSON config block that points at the built JavaScript file. A hosted HTTP version is mentioned as coming soon. The project is MIT licensed.

Copy-paste prompts

Prompt 1
Add property-finance-mcp to my Claude Desktop config and show me the JSON block to paste
Prompt 2
Use the bridging cost analyser tool to price a 300k loan at 0.85 percent monthly over 9 months
Prompt 3
Run the buy-to-let stress tester for a 250k property at 5 percent rate with 1500 pounds monthly rent
Prompt 4
Update the SDLT rate table in the TypeScript source for a new 2026 budget change
Open on GitHub → Explain another repo

Generated 2026-05-22 · Model: sonnet-4-6 · Verify against the repo before relying on details.