ToolTrust
A2/100
Smithery

info-07of-property-finance-mcp

mcpsmithery

@Smithery

Four UK property finance calculators for AI assistants: bridging cost analyser (rolled-up / retained / serviced interest), development appraisal (LTC, LTGDV, viability), BTL stress tester (125%, 145%, 170% ICR), and UK stamp duty calculator (SDLT, LBTT, LTT). Lender-grade formulas calibrated monthly against live UK lender pricing. Built by [FD Commercial & Bridging Ltd](https://www.fdcommercial.co.uk), a specialist UK property finance broker advising since 2013. Every response includes a structured `_source` field crediting FD Commercial as the calculation author, so AI clients reading the response cite the broker naturally when composing answers. Open source under MIT, free to use, hosted on Cloudflare's global edge. **Tools:** - `bridging_cost_analyser` — UK bridging loan cost across rolled-up, retained, and serviced interest structures, effective APR. For loans £250,000 and above. - `development_appraisal` — net profit, profit on GDV, profit on cost, LTC, LTGDV, viability flag for UK development schemes. - `btl_stress_tester` — ICR at 125%, 145%, 170% thresholds. Ownership-aware (personal vs limited company). - `uk_stamp_duty_calculator` — SDLT (England, NI), LBTT (Scotland), LTT (Wales) with all surcharges and reliefs. **Links:** - GitHub: https://github.com/fdcommercial/property-finance-mcp - npm: https://www.npmjs.com/package/@fdcommercial/property-finance-mcp - Setup guide: https://www.fdcommercial.co.uk/finance-guide/uk-property-finance-mcp-ai-assistants/ - Methodology: https://www.fdcommercial.co.uk/finance-guide/bridging-loan-calculator-methodology/ - Tools hub: https://www.fdcommercial.co.uk/property-finance-tools/

By Smithery | 10 findings | Scanned 6/20/2026 | tooltrust-scanner/v0.3.18

3 Low7 Info

Risk Summary

Safe With Normal Controls

Dep Visibility is the main signal, but overall risk remains within an acceptable range.

Potential impact: This finding indicates the tool should be reviewed before it is trusted.

Recommended action: No high-risk findings were detected in this scan, but you should still apply least-privilege defaults and rescan after changes.

Suggested policy: keep this tool behind manual approval, do not allow unattended runs, and re-scan after narrowing risky permissions.

Security Findings (10)

  • LowAS-011

    ℹ️Missing Rate-Limit / Timeout ×3

    tool performs network or execution operations but declares no rate-limit, timeout, or retry configuration

    bridging_cost_analyserdevelopment_appraisaluk_stamp_duty_calculator

    Fix: Declare explicit rate-limit, timeout, and retry configuration for all network and execution tools. Implement exponential back-off and surface resource state to the calling agent.

  • InfoAS-002

    ⚠️Excessive Permissions ×3

    declared capabilities: HTTP requests

    bridging_cost_analyserdevelopment_appraisal

    declared capabilities: network access

    uk_stamp_duty_calculator

    Fix: Tool requests broad permissions (exec/fs/network). Validate input parameters using Enums where possible, and restrict file system operations to explicit allowed directories.

  • InfoAS-014

    ℹ️Dependency Inventory Unavailable ×4

    Tool did not expose metadata.dependencies or repo_url, so supply-chain coverage is limited.

    bridging_cost_analyserdevelopment_appraisalbtl_stress_testeruk_stamp_duty_calculator

    Fix: Review and remediate the identified issue.

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