HMO Mortgage Calculator MCP server

• Registry nameuk.co.hmomortgagecalculator/siteverified in the MCP registry

The registry name sits under hmomortgagecalculator.co.uk. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

• Stateanswerschecked 2026-10-26
• Tools5
• Server calls itselfHMO Mortgage Calculator (hmomortgagecalculator.co.uk)
• Server version1.0.0
• Protocol version2025-06-18

On 2026-10-26 the server answered initialize and tools/list without a sign-in. First answer in 614 ms.

• Its tools do calculate net rent and interest cover after voids and bills; compare capital and interest against interest-only monthly payments, but not check licensing and planning position before requesting a valuation.
• Checked on 2 of the 7 days it takes to judge reliability.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

• INITE MCP scoreafter a weeka score needs 7 daily checks: 2 so far
• What an agent can do with it2 of 3 use cases
• Answeredmeasuring2 of the 7 daily checks it takes to print a share
• Median first answer1001 ms
• Space in an agent's context≈ 962 tokensthe definitions of all its tools (5), which an agent carries on every turn
• Tool definitionsB · 83 of 100
• Typed results0 of 5 toolsdeclared outputSchema: results come typed, read once

• Not saying whether it only reads or can destroy: 5 of 5

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

• calculator_describe

  The inputs this calculator takes (with units, ranges and defaults), the outputs it returns, and the assumptions and tables behind it.

• calculate

  Run the HMO mortgage calculator calculator: All-in interest rate; Monthly payment, capital and interest; Monthly payment, interest only; Arrangement fee. Missing inputs fall back to their documented defaults.

• enquiry_describe

  Read first. States plainly what submit_enquiry does on HMO Mortgage Calculator: it starts an enquiry with human providers who quote directly. Nothing is bought, ordered or paid; no quote is guaranteed; it is free. Also returns who…

• enquiry_fields

  Every field of the HMO Mortgage Calculator enquiry: key, label, type, whether required, help text and the allowed options where there are any. Pass answers to submit_enquiry keyed by field key.

• submit_enquiry

  Submits an enquiry to HMO Mortgage Calculator — NOT a purchase, NOT a guaranteed quote. Step 1: call with the answers (keyed by field key from enquiry_fields) and consent=true; it validates and returns a summary, the consent line and a…