mcpbeat

Mortgage Tools MCP Server

by com-manageyourloans
answering

Mortgage Tools is answering right now. Last checked 12 min ago. It exposes 6 tools.

Australian mortgage tools: repayment & borrowing-power calculators, guidance & enquiry capture.

The linked repository no longer exists on GitHub — it was deleted or made private.

Uptime history 59 hours of history
59 hours agonow
100.0%
Uptime 24h
91 of 91 checks
6
Tools
read from the server
641 ms
Response time
average over 24h
open, no key
Access
streamable-http

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 12 min ago.

run in your terminal
claude mcp add mortgage-tools --transport http https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp
~/Library/Application Support/Claude/claude_desktop_config.json
{
  "mcpServers": {
    "mortgage-tools": {
      "url": "https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp"
    }
  }
}
~/.codex/config.toml
[mcp_servers.mortgage-tools]
url = "https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp"
.cursor/mcp.json
{
  "mcpServers": {
    "mortgage-tools": {
      "url": "https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp"
    }
  }
}
.vscode/mcp.json
{
  "mcpServers": {
    "mortgage-tools": {
      "url": "https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp"
    }
  }
}

Available tools 6

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

calculate
calculate_repayments
Estimate monthly & fortnightly principal-and-interest repayments and total interest for a home/personal loan scenario. Indicative only — not a quote. Args: principal: Loan amount in AUD (e.g. 500000). annual_rate_pct: Annual interest rate as a percentage (e.g. 6.5). term_years: Loan term in years (e.g. 30).
compare
compare_loan_types
List Manage Your Loans' loan categories with what each is for and a link. Use to help a user pick which loan type fits their situation.
costco
check_costco_eligibility
Check eligibility for the Costco partner service and Shop Card reward (Executive membership + a settled loan). Indicative check only. Args: is_costco_member: Whether the person holds a current Costco membership. membership_type: e.g. "Executive" or "Gold Star" (optional).
enquiry
create_enquiry
Submit a mortgage enquiry to Manage Your Loans on the customer's behalf so a broker contacts them. ONLY call this after the person has explicitly agreed to be contacted — pass consent=true. Do not invent details; ask the user. Args: firstName: Customer's first name. lastName: Customer's last name. email: Customer's email address. phone: Australian phone number (04.., 02/03/07/08.., or 1300/1800). consent: MUST be true — the customer's explicit agreement to be contacted. loanType: e.g. "Home Loan", "Refinance", "Investment Property" (optional). loanAmount: Approximate loan amount, free text (optional). message: Anything else the customer wants the broker to know (optional). isCostco: True if this is a Costco-member enquiry. costcoMembershipNumber: Costco membership number if provided (optional).
estimate
estimate_borrowing_power
Estimate indicative borrowing capacity, assessed at a buffered rate (APRA +3% serviceability buffer). A rough proxy for guidance — a broker models real capacity across 30+ lenders. Not credit assistance. Args: annual_income: Gross annual household income in AUD. monthly_expenses: Average monthly living expenses in AUD. existing_monthly_debt: Existing monthly loan/card commitments in AUD. interest_rate_pct: Assumed product interest rate (buffer is added on top). term_years: Loan term in years. deposit: Cash deposit available in AUD (added to the purchase budget).
rate
get_rate_guidance
Explain how Australian home-loan rates are determined and the next step. Manage Your Loans does not publish live rates; a broker compares them for a specific scenario.

Endpoints

URLTransportStateLatencyChecked
https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp streamable-http answering 713 ms 12 min ago

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Mortgage Tools — questions

Answers built from our own checks of this server.

What can Mortgage Tools do?
It exposes 6 tools, read directly from the server on our last check. Among them: calculate_repayments, check_costco_eligibility, compare_loan_types, create_enquiry, estimate_borrowing_power, get_rate_guidance. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →
Is Mortgage Tools working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 91 checks got a reply (100.0%), average response time 641 ms. The bar chart above shows every period we have measured.
Is Mortgage Tools still maintained?
The linked repository no longer exists on GitHub — it was deleted or made private. We show this because it changes what you can expect: an unmaintained server may keep answering for months and then stop without warning.
How do I connect Mortgage Tools?
Copy the ready config from this page — we generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each with the file path that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.
Does Mortgage Tools need an API key?
No. Mortgage Tools completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 6 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is Mortgage Tools?
It answers our handshake in 641 ms on average, which is faster than 15% of all working MCP servers we measure. That is on the slow side — worth knowing if the tool sits inside an interactive loop. The comparison comes from our own checks across the whole registry, every 15 minutes.