FD Commercial Property Finance

Four UK property finance calculators for AI assistants: bridging cost analyser (rolled-up / retained / serviced interest), development appraisal (LTC, LTGDV…

CommunityOnlineNo sign-inGlobalFreeRead-only

What it can do

  • 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 borrowin
  • 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
  • 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%).

What data it sees

Do you need an account

No: the server works without sign-in

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, 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:

How to connect

How to connect FD Commercial Property Finance to Claude

The server address to paste into Claude settings:

https://property-finance-mcp--info-07of.run.tools

  1. Open Claude (claude.ai or the desktop app).
  2. Go to Settings → Connectors.
  3. Click Add custom connector.
  4. Paste the server address copied below into Remote MCP server URL and click Add.
  5. In a chat, click + → Connectors and switch the new connector on.

Custom connectors are available on Free, Pro, Max, Team and Enterprise plans (Free is limited to one). On Team and Enterprise an organization Owner adds the connector first under Organization settings → Connectors.

Authorization

After you click Add, a sign-in window for the service opens. Sign in with your own account and approve access. Claude never sees your password.

How to connect FD Commercial Property Finance to ChatGPT

The server address to paste into ChatGPT settings:

https://property-finance-mcp--info-07of.run.tools

  1. Open ChatGPT in a browser (chatgpt.com). A Plus, Pro, Business, Enterprise or Edu plan is required.
  2. Turn on developer mode once: Settings → Apps → Advanced settings → Developer mode.
  3. Open Settings → Connectors and click Create.
  4. Fill in the form: Name (anything), Description (one line about what the service does), MCP server URL (copy it below).
  5. Under Authentication choose OAuth if the service requires sign-in, otherwise None. Click Create.
  6. In a new chat open + → Apps/Connectors and enable the connector.

OpenAI has renamed this section before (Connectors → Apps/Plugins). If the label differs, search settings for "developer mode". On Business/Enterprise workspaces an admin must allow custom connectors first.

Authorization

On first use ChatGPT opens the service's sign-in window. Sign in and approve access.

How to connect FD Commercial Property Finance to Cursor

The server address to paste into Cursor settings:

https://property-finance-mcp--info-07of.run.tools

Fastest: click Open in Cursor below and confirm the prompt.

Manually:

  1. In Cursor open Settings → Cursor Settings → MCP and click Add new global MCP server.
  2. Paste the JSON copied below into ~/.cursor/mcp.json (per project: .cursor/mcp.json in the repo root).
  3. Save the file. The server appears in the MCP list; authorize it there if asked.

Authorization

If the service needs sign-in, an authorize button appears next to the server in the MCP list.

Server tool list (4)

Raw names from tools/list. Only developers need these.

bridging_cost_analyserCalculate 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.
development_appraisalRun 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.
btl_stress_testerRun 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.
uk_stamp_duty_calculatorCalculate 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.