FD Commercial Property Finance
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/