Open Financial Mortgages

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io.github.clara-finance/open-financial-mortgage-optionsv1.0.0 GitHub verified

Ontario, Canada mortgage options, published lender rates and a link to a licensed broker.

Finance & Payments

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https://mcp.openfinancial.ca/mcp/open

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analyze_mortgage_scenario Read-only

Preliminary analysis of a mortgage, refinancing, home-equity or debt-consolidation scenario: estimated equity, current and proposed combined loan-to-value, missing information and broad, unranked financing categories. Useful as a first look at someone's situation. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.

citystring

timingstring

purposestring

provincestring

propertyTypestring

renewalMonthstring

employmentTypestring

householdIncomeRangestring

estimatedPropertyValuenumber

selfReportedCreditRangestring

existingMortgageBalancesarray

requestedAdditionalAmountnumber

Try it

Call this server's tools from your browser. Nothing to install.

https://mcp.openfinancial.ca/mcp/open

Requests go through mcptry because browsers can't call most MCP servers directly. Header values are sent to the server for that request only and are never stored or logged.

Tool list from our last check. Connect live to refresh it.

analyze_mortgage_scenario Read-only

citystring

timingstring

purposestring

provincestring

propertyTypestring

renewalMonthstring

employmentTypestring

householdIncomeRangestring

estimatedPropertyValuenumber

selfReportedCreditRangestring

existingMortgageBalancesarray

requestedAdditionalAmountnumber

Tools (5)

analyze_mortgage_scenario

read-only

Argument	Type	Description
city	string
timing	string
purpose	string
province	string
propertyType	string
renewalMonth	string
employmentType	string
householdIncomeRange	string
estimatedPropertyValue	number
selfReportedCreditRange	string
existingMortgageBalances	array
requestedAdditionalAmount	number

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "city": {
      "type": "string",
      "maxLength": 80,
      "minLength": 1
    },
    "timing": {
      "enum": [
        "within_30_days",
        "one_to_three_months",
        "over_three_months",
        "exploring"
      ],
      "type": "string"
    },
    "purpose": {
      "enum": [
        "explore_options",
        "home_equity",
        "debt_consolidation",
        "home_improvement",
        "other"
      ],
      "type": "string"
    },
    "province": {
      "enum": [
        "ON",
        "AB",
        "BC",
        "MB",
        "NB",
        "NL",
        "NS",
        "NT",
        "NU",
        "PE",
        "QC",
        "SK",
        "YT"
      ],
      "type": "string"
    },
    "propertyType": {
      "enum": [
        "detached",
        "semi_detached",
        "townhouse",
        "condo",
        "residential_2_to_4_units",
        "other"
      ],
      "type": "string"
    },
    "renewalMonth": {
      "type": "string",
      "pattern": "^20\\d{2}-(0[1-9]|1[0-2])$"
    },
    "employmentType": {
      "enum": [
        "employed",
        "self_employed",
        "retired",
        "other",
        "prefer_not_to_say"
      ],
      "type": "string"
    },
    "householdIncomeRange": {
      "enum": [
        "under_50000",
        "50000_to_99999",
        "100000_to_149999",
        "150000_to_199999",
        "200000_plus",
        "prefer_not_to_say"
      ],
      "type": "string"
    },
    "estimatedPropertyValue": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "exclusiveMinimum": 0
    },
    "selfReportedCreditRange": {
      "enum": [
        "excellent",
        "good",
        "fair",
        "poor",
        "unknown",
        "prefer_not_to_say"
      ],
      "type": "string"
    },
    "existingMortgageBalances": {
      "type": "array",
      "items": {
        "type": "number",
        "maximum": 100000000,
        "minimum": 0
      },
      "maxItems": 5,
      "minItems": 1
    },
    "requestedAdditionalAmount": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0
    }
  },
  "additionalProperties": false
}

estimate_home_equity

The same preliminary analysis, for when someone wants to know their estimated home equity and combined loan-to-value. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.

read-only

Argument	Type	Description
city	string
timing	string
purpose	string
province	string
propertyType	string
renewalMonth	string
employmentType	string
householdIncomeRange	string
estimatedPropertyValue	number

get_financing_options

The same preliminary analysis, for when someone wants to know which broad kinds of financing they could explore. Categories are unranked and are not lender offers. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.

read-only

Argument	Type	Description
city	string
timing	string
purpose	string
province	string
propertyType	string
renewalMonth	string
employmentType	string
householdIncomeRange	string
estimatedPropertyValue	number

get_open_financial_broker_help

Returns the link to Open Financial's own intake form and its contact details, for when the user asks for help from a broker or licensed mortgage professional. It collects and sends nothing: the user enters their own details on openfinancial.ca.

read-only

No arguments.

Input schema (JSON)

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

search_published_mortgage_rates

Searches the Ontario mortgage rates lenders have published, as recorded by Open Mortgage Rates, using filters such as mortgageType, term, position, minimumLtv, purpose or a lender keyword; with no filter it asks what to search for instead of listing every record. Returns each lender's own rate wording with its conditions, check date and source link, and a notice that goes with them. Useful when someone asks what rates lenders are publishing. It takes filters only, not names, contact details or dollar amounts. Published information, not a quote, offer, recommendation or eligibility assessment.

read-only

Argument	Type	Description
fees	string
sort	string
term	string	Term in months.
limit	integer
keyword	string	A lender name or a directory keyword such as "credit union", not a person's name or other personal details.
purpose	string	"refinance" when the user says they are refinancing, taking equity out or consolidating debt; otherwise "all".
position	string
minimumLtv

{ "type": "object", "properties": { "city": { "type": "string", "maxLength": 80, "minLength": 1 }, "timing": { "enum": [ "within_30_days", "one_to_three_months", "over_three_months", "exploring" ], "type": "string" }, "purpose": { "enum": [ "explore_options", "home_equity", "debt_consolidation", "home_improvement", "other" ], "type": "string" }, "province": { "enum": [ "ON", "AB", "BC", "MB", "NB", "NL", "NS", "NT", "NU", "PE", "QC", "SK", "YT" ], "type": "string" }, "propertyType": { "enum": [ "detached", "semi_detached", "townhouse", "condo", "residential_2_to_4_units", "other" ], "type": "string" }, "renewalMonth": { "type": "string", "pattern": "^20\\d{2}-(0[1-9]|1[0-2])$" }, "employmentType": { "enum": [ "employed", "self_employed", "retired", "other", "prefer_not_to_say" ], "type": "string" }, "householdIncomeRange": { "enum": [ "under_50000", "50000_to_99999", "100000_to_149999", "150000_to_199999", "200000_plus", "prefer_not_to_say" ], "type": "string" }, "estimatedPropertyValue": { "type": "number", "maximum": 100000000, "minimum": 0, "exclusiveMinimum": 0 }, "selfReportedCreditRange": { "enum": [ "excellent", "good", "fair", "poor", "unknown", "prefer_not_to_say" ], "type": "string" }, "existingMortgageBalances": { "type": "array", "items": { "type": "number", "maximum": 100000000, "minimum": 0 }, "maxItems": 5, "minItems": 1 }, "requestedAdditionalAmount": { "type": "number", "maximum": 100000000, "minimum": 0 } }, "additionalProperties": false }

{ "type": "object", "properties": { "fees": { "enum": [ "all", "published", "calculable", "none-stated" ], "type": "string" }, "sort": { "enum": [ "lowest", "term-cost", "max-ltv", "newest", "lender" ], "type": "string" }, "term": { "enum": [ "all", "12", "24", "36", "60", "other" ], "type": "string", "description": "Term in months." }, "limit": { "type": "integer", "maximum": 10, "minimum": 1 }, "keyword": { "type": "string", "maxLength": 80, "minLength": 1, "description": "A lender name or a directory keyword such as \"credit union\", not a person's name or other personal details." }, "purpose": { "enum": [ "all", "refinance" ], "type": "string", "description": "\"refinance\" when the user says they are refinancing, taking equity out or consolidating debt; otherwise \"all\"." }, "position": { "enum": [ "all", "first", "second" ], "type": "string" }, "minimumLtv": { "enum": [ "all", "50", "60", "65", "70", "75", "80", "85", "90", "95" ], "type": "string", "description": "Loan-to-value the user needs, as a percent, rounded UP to the next listed value. Use \"all\" when it cannot be worked out from what the user said." }, "mortgageType": { "enum": [ "all", "alternative", "bridge", "commercial", "construction", "fixed", "heloc", "private", "residential", "reverse", "variable" ], "type": "string", "description": "Use \"all\" unless the user names or clearly describes a category." } }, "additionalProperties": false }