UK Property Finance MCP server

This is a small helper that gives your AI four UK property finance calculators. You ask a question in plain English, and it works out the numbers using the same formulas a UK property finance broker uses. It is handy if you look at property deals, bridging loans, or buy-to-let numbers and want a quick answer without opening a spreadsheet.

What this MCP server does

You ask your AI something like how much a bridging loan would cost, or what stamp duty you would pay on a house in Scotland. The AI passes your numbers to this helper. The helper runs the calculation using broker-grade formulas for England, Scotland and Wales. Then it sends the results back, and the AI explains them to you in the chat. The numbers match what the FD Commercial app and website produce for the same inputs.

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What you can do with it

• Work out the total cost of a UK bridging loan, including fees and effective APR
• Compare rolled-up, retained and serviced interest structures side by side
• Check whether a development scheme is viable, with profit on GDV and profit on cost
• Stress test a buy-to-let deal at 125%, 145% and 170% ICR thresholds
• See which lender categories a buy-to-let deal might qualify for
• Calculate stamp duty for England, Scotland or Wales, including first-time buyer relief
• Handle additional dwelling surcharge and the corporate flat 17% rate

Try asking your AI

• “What would a 500,000 pound bridging loan cost over 12 months at 0.85% monthly interest with a 2% arrangement fee?”
• “Run a development appraisal on a scheme with 2 million GDV, 400k land, 800k build cost and 18 months of finance”
• “Stress test a buy-to-let with 2,500 pounds monthly rent and a 300,000 pound loan at 5.5%”
• “How much stamp duty would I pay on a 750,000 pound additional property in England?”

What it gives back to you

You get back clear numbers in the chat: totals, percentages, and pass or fail results. For bridging, you get the total cost and effective APR, plus a side-by-side comparison of the three interest structures. For development, you get net profit, profit on GDV, profit on cost, LTC, LTGDV and a viability flag. For buy-to-let, you get the ICR, gross yield and which lender categories the deal fits. For stamp duty, you get a banded breakdown, the total tax and the effective rate.

Before you start

Who it's for

Property investors, landlords, developers and anyone who needs quick UK property finance numbers without opening a spreadsheet.