Mortgage Tools MCP Server

by com-manageyourloans Your server? Claim it

answering

Mortgage Tools is answering right now. Last checked 13 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 91 days of history · worst day 99%

91 days agonow

100.0%

Uptime 24h

91 of 91 checks

Tools

read from the server

681 ms

Response time

average over 24h

open, no key

Access

streamable-http

What changed 1

Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 15 October 2026. No other catalogue keeps this.

15 Oct a tool changed version

This one has been quiet for a while

Quiet is not dead — but it is worth knowing when it wakes up, or when someone else takes it over. We watch the repository and tell you either way.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 13 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add mortgage-tools --transport http https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp

Settings → Connectors → Add custom connector, then paste this address

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

{
  "servers": {
    "mortgage-tools": {
      "type": "http",
      "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

URL	Transport	State	Latency	Checked
https://mcp-myl-oov7xgbxua-ts.a.run.app/mcp	streamable-http	answering	696 ms	13 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 681 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 in the form 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 681 ms on average, which is faster than 13% 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.