Official MCP RegistryListed
Clara Mortgage Assistant
Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.
First seen 2 Oct 2026. Evidence as of 28 Oct 2026.
6
Tools
From an anonymous probe
1
Source listings
Each with its own history
14
Recorded changes
Since first seen
Tools
| Tool | Description | Behaviour |
|---|---|---|
| calculate_debt_service | Calculates Canadian GDS and TDS ratios from a monthly mortgage payment that is already known, plus income, housing costs, and other monthly debts. It takes the payment as given and needs no principal, rate, or amortization. Ratios are not an approval or suitability decision. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web. | Read-only |
| calculate_ltv | Calculates Canadian loan-to-value and combined loan-to-value from the loan amount, other secured positions, and a purchase price, an appraised value, or both. Ratios are not an approval or suitability decision. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web. | Read-only |
| calculate_qualification | Calculates the B-20 qualifying rate, the qualifying payment, and the resulting GDS/TDS from a principal, contract rate, amortization, and income. It computes the payment itself, so it needs those loan terms. Results are neutral scenario math, not an approval or underwriting decision. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web. | Read-only |
| compare_mortgage_scenarios | Compares up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web. | Read-only |
| estimate_prepayment_penalty | Estimates three-months-interest and simplified interest-rate-differential prepayment penalties. Lender discharge statements remain authoritative. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web. | Read-only |
| refuse_unsupported_mortgage_request | Returns a fixed explanation that a request is outside this calculator's scope, with a calculation it can do instead. Categories: approval or underwriting decisions, lender or product recommendations, borrower documents or accounts, current rates, rules, or thresholds, external actions such as submitting applications or contacting anyone, and other unsupported requests. Takes only the category; it accepts no request text, names, identifiers, or document content. | Read-only |
Change history
- refuse_unsupported_mortgage_request: input schema changed
- refuse_unsupported_mortgage_request: description changed (+"Returns a fixed explanation that a request is outside this calculator's scope, with" +"calculation it can do instead. Categories: approval" +"underwriting decisions,")
- refuse_unsupported_mortgage_request: annotations changed
- estimate_prepayment_penalty: description changed (+"Estimates" +"simplified interest-rate-differential" +"penalties. Lender")
- estimate_prepayment_penalty: annotations changed
- compare_mortgage_scenarios: description changed (+"Compares" +"Works" +"from")
- compare_mortgage_scenarios: annotations changed
- calculate_qualification: description changed (+"Calculates" +"the" +"the")
- calculate_qualification: annotations changed
- calculate_ltv: description changed (+"Calculates" +"from the loan amount, other secured positions, and a" +"an appraised value, or both.")
- calculate_ltv: annotations changed
- calculate_debt_service: description changed (+"Calculates Canadian GDS and TDS ratios from" +"is already known, plus" +"housing costs,")
- calculate_debt_service: annotations changed
- server instructions changed (+"calculator. Inputs are explicit," +"numbers supplied in" +"conversation; rates are decimals (5.25% is 0.0525). Each result includes its assumptions, warnings, effective date, and calculation version,")
| Source | Listing | First seen | Last seen | Versions |
|---|---|---|---|---|
| Official MCP Registry | io.github.clara-finance/clara-mortgage-assistant | 2 Oct 2026 | 28 Oct 2026 | 1 |