# FD Commercial Property Finance

> Use this tool when you need to calculate UK commercial property finance options, such as bridging loan costs, development appraisals, buy-to-let stress tests, or stamp duty calculations. It solves problems related to property investment and development by providing accurate and lender-grade calculations, with inputs including loan amounts, interest rates, and property values, and outputs including effective APR, net profit, and ICR thresholds. Use it in contexts where precise financial calculations are required for informed property investment decisions.

Canonical page: https://skillsregistry.net/skills/info-07of-property-finance-mcp  
JSON: https://api.skillsregistry.net/v1/skills/info-07of-property-finance-mcp

## Description

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/

## Trust

- **Trust score (0–1):** 0.30
- **Verification tier:** unverified
- **Last scanned:** 2026-09-03

## Facts

- **Version:** 1.0.0
- **Skill type:** atomic
- **Execution layer:** mcp-remote
- **Runtime environment:** api
- **Category:** version-control
- **Updated:** 2026-09-03

## Source

- **Source listing:** [Smithery](https://smithery.ai/server/info-07of/property-finance-mcp)

## Use it

Resolve this record through the SkillsRegistry MCP server (no auth, read-only):

```
claude mcp add --transport http --scope user skillsregistry https://api.skillsregistry.net/mcp
```

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "get_skill",
    "arguments": {
      "slug": "info-07of-property-finance-mcp"
    }
  }
}
```

REST: `GET https://api.skillsregistry.net/v1/skills/info-07of-property-finance-mcp` · pull for local use: `GET https://api.skillsregistry.net/v1/skills/info-07of-property-finance-mcp/pull`

---
SkillsRegistry indexes agent skills from public registries and GitHub. Skills we have analysed are scanned with Circle-IR and scored on six dimensions; each listing states its scan coverage. More: https://skillsregistry.net/llms.txt