Clara Mortgage Assistant

Measured conclusion: Deep-tested. L2 outcome: tools_ok.

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

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Copy this into your MCP client config:

{
  "mcpServers": {
    "Clara Mortgage Assistant": {
      "url": "https://mcp.claratech.ai/mcp",
      "transport": "streamable-http"
    }
  }
}

Measured tools (6)

• refuse_unsupported_mortgage_request read-only

  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.

  Parameters:

  • requestType (required) — string — Category of unsupported request. Only the category is accepted, never user, borrower, account, or document data.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• compare_mortgage_scenarios read-only

  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.

  Parameters:

  • effectiveDate (required) — string — Date the supplied rates and policy assumptions were confirmed.
  • scenarios (required) — array
  • jurisdiction — string — Canadian calculations only.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• calculate_qualification read-only

  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.

  Parameters:

  • effectiveDate (required) — string — Date the supplied rates and policy assumptions were confirmed.
  • principal (required) — number — Mortgage principal in Canadian dollars.
  • contractRate (required) — number — Contract rate for the mortgage. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.
  • amortizationMonths (required) — integer — Mortgage amortization period in months.
  • grossAnnualIncome (required) — number — Gross annual household income in Canadian dollars.
  • housing — object
  • floorRate — number — Optional minimum qualification rate. Omit it to use the disclosed default. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.
  • bufferRate — number — Optional stress-test buffer added to the contract rate. Omit it to use the disclosed default. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.
  • tolerances — object
  • jurisdiction — string — Canadian calculations only.
  • otherMonthlyDebts — number — Total monthly debt obligations outside the housing costs in Canadian dollars.
  • straightSwitchExempt — boolean

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• calculate_debt_service read-only

  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.

  Parameters:

  • effectiveDate (required) — string — Date the supplied rates and policy assumptions were confirmed.
  • grossAnnualIncome (required) — number — Gross annual household income in Canadian dollars.
  • monthlyPayment (required) — number — Monthly mortgage principal-and-interest payment in Canadian dollars.
  • housing — object
  • tolerances — object
  • jurisdiction — string — Canadian calculations only.
  • otherMonthlyDebts — number — Total other monthly debt obligations in Canadian dollars.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• calculate_ltv read-only

  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.

  Parameters:

  • effectiveDate (required) — string — Date the supplied rates and policy assumptions were confirmed.
  • loanAmount (required) — number — New mortgage or loan amount in Canadian dollars.
  • storedLtv — number — Optional previously stored LTV ratio as a decimal; for example, 75% is 0.75.
  • valueBasis — string
  • jurisdiction — string — Canadian calculations only.
  • purchasePrice — number — Property purchase price in Canadian dollars.
  • appraisedValue — number — Property appraised value in Canadian dollars.
  • otherSecuredPositions — array

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• estimate_prepayment_penalty read-only

  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.

  Parameters:

  • effectiveDate (required) — string — Date the supplied rates and policy assumptions were confirmed.
  • principal (required) — number — Outstanding mortgage balance in Canadian dollars.
  • annualRate (required) — number — Current annual mortgage rate. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.
  • remainingTermMonths (required) — integer — Number of months remaining in the mortgage term.
  • method — string
  • jurisdiction — string — Canadian calculations only.
  • comparisonRate — number — Annual comparison or reference rate used for the simplified interest-rate-differential estimate. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

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