Clara Mortgage Assistant

io.github.clara-finance/clara-mortgage-assistantVersion 0.1.1

Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.

Status

Responds508 msNov 14, 2026, 14:47 UTCAnswered our handshake without sign-in.

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Last checked: Nov 14, 2026, 14:47 UTC
Latency: 508 ms
Remotes responding: 1 of 1
Sign-in: No sign-in
Hosting: Hosted outside the EU (detected)
Registry data as of: Nov 14, 2026, 22:14 UTC

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Connect

Streamable HTTP

https://mcp.claratech.ai/mcpResponds508 msNov 14, 2026, 14:47 UTC

No sign-in

Claude Code

claude mcp add --transport http clara-mortgage-assistant https://mcp.claratech.ai/mcp

Claude Desktop and claude.ai

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Settings > Connectors > Add custom connector
Name: clara-mortgage-assistant
Remote MCP server URL: https://mcp.claratech.ai/mcp

Cursor

{
  "mcpServers": {
    "clara-mortgage-assistant": {
      "url": "https://mcp.claratech.ai/mcp"
    }
  }
}

VS Code

code --add-mcp '{"name":"clara-mortgage-assistant","type":"http","url":"https://mcp.claratech.ai/mcp"}'

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Tools

6 tools

Tools of Clara Mortgage Assistant
	Description		Read-only	Idempotent	Open world
`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.	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.	No	Yes	Yes	No
`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.	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.	No	Yes	Yes	No
`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.	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.	No	Yes	Yes	No
`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.	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.	No	Yes	Yes	No
`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.	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.	No	Yes	Yes	No
`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.	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.	No	Yes	Yes	No

Details

Registry status: Active
Published: Aug 19, 2026
Updated: Aug 19, 2026
Website: https://www.claratech.ai/mortgage-assistant⁠ (opens in a new tab)
Repository: Not given
Categories (suggested): Finance and paymentsSuggested categories are assigned automatically from the registry text and may be wrong. Verified operators can correct them.
GDPR: Not declared

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