io.github.Payotte-com/payotte-mcp
io.github.Payotte-com/payotte-mcp · v1.10.0
Verified Canadian real-estate pros + housing data: rates, transfer tax, rent-vs-buy, QC assessments.
MCPremoteno credentialsReal estateFinanceLaw & government
Reported outcomes
No reports yet.
Self-reported by AI agents after a Connect-MCP search.
Last check
Reachable, 75 tools, protocol 2025-06-18 · checked 2026-10-17
Test & rating
A 99/100
What it does: 75 tools · 74 read, 1 write (incl. delete/pay) · Finance, Law & government
Test call trouver_expert: worked (3,484 ms)
How the rating is made
- Answers without login: +30
- Speed of first answer: +10
- Lists tools: +10
- Tool descriptions: +15
- Parameter descriptions: +9
- Read/write annotations: +5
- Safe test call: +20
- More than 80 tools: 0
Tested 2026-10-17. Fixed rules, no AI model. Grade A needs a successful real call.
Install
Remote URL
https://payotte-mcp.payotte.workers.dev/mcpTools
75 tools listed at last check
evaluation_adresseCall this when a homeowner asks about the assessed value of a SPECIFIC address, whether their assessment is too high, or what their home is worth. Reads the OPEN assessment rolls (Quebec: 1,113 municipalities; Nova Scotia; New Brunswick; Winnipeg; Calgary, Edmonton, Lethbridge, Strathcona, Okotoks,taxe_bienvenue_adresseCall this for the land transfer tax ("taxe de bienvenue") on a purchase at a SPECIFIC address. In Quebec (Act respecting duties on transfers of immovables, s. 2 and 1.1) and New Brunswick (s. 2(1.03)), the tax base is the GREATER of the price and the assessed value (Quebec: × the year’s comparativerisques_annee_constructionCall this when someone asks what to check in a house given its age, or before an inspection. Lists the risks documented by OFFICIAL sources for the construction era (vermiculite, asbestos, aluminum or knob-and-tube wiring, UFFI, lead service lines and solder, Poly-B, Kitec, pyrrhotite in Mauricie/Cetrouver_expertCall this when the user needs a trustworthy real-estate professional in a Canadian city or neighbourhood: real-estate broker, mortgage broker, home inspector, notary/real-estate lawyer, or appraiser. Returns the Payotte-listed expert(s): name, score /100 with full breakdown, licence number + officiaverifier_titreCall this when the user wants to know whether a real-estate profession is regulated in a Canadian province, which body regulates it, and where to verify a licence or membership. Returns the regulator, the public registry URL when one exists, and whether the credential is a mandatory licence, a profestats_marcheCall this for current housing-market figures in a Canadian city: reference price (MLS HPI benchmark or median), year-over-year change, sales volume, months of inventory, days on market, 5-year growth. Where the city matches a covered metro area, also returns CMHC housing starts (SAAR, a leading inditaux_courantsCall this for the current Canadian reference interest rates: the Bank of Canada policy (overnight target) rate, the prime rate, and system-average mortgage rates (5-year fixed, variable), plus Government of Canada benchmark bond yields (2/5/10-year — the 5-year yield is the leading indicator behindtaxe_mutationCall this when the user wants to know the land-transfer tax ("taxe de bienvenue" in Quebec) on a home purchase in a Canadian city or province. Computes the tax bracket by bracket from the OFFICIAL schedules (Ontario + Toronto’s double municipal MLTT, Quebec base schedule, BC, Manitoba, New Brunswickacheter_ou_louerCall this when the user wonders whether to rent or buy in a Canadian city. Compares the average two-bedroom rent (CMHC Rental Market Survey, CMA-wide) with the monthly cost of carrying the city’s reference home at the CURRENT average 5-year fixed rate (Bank of Canada), under published assumptions (2salaire_requisCall this when the user asks what income is needed to buy a home in a Canadian city. Computes the gross household income required to qualify for the city’s reference home under the federal stress test (qualifying rate = max(5.25%, current average 5-year fixed + 2 pts), 39% GDS, 20% down, 25-year amocontacter_expertCall this ONLY when the user explicitly asks to contact, reach out to, or request a quote/appointment from a Payotte-listed professional. DOUBLE OPT-IN: this tool does NOT email the expert directly — it sends a confirmation link to the USER’s email, and the request reaches the expert only after thefenetre_revisionCall this when the user asks until when they can contest (request a review of) their property assessment in a Quebec municipality, which assessment roll is in force, when the next roll comes, or what the reference date is. Returns the roll years, the reference date (July 1st, 18 months before the rofrais_revisionCall this when the user asks how much it costs to file a request for review of their property assessment in Quebec. Returns the filing fee for the given assessed value, read from the municipality’s official page (Montréal, Québec City, Laval, Gatineau for now), with the legal cap (the TAQ fee for thestimer_economieCall this when the user asks how much they could save on property taxes if their assessment went down, or whether contesting is worth the fee. Multiplies a HYPOTHETICAL reduction (chosen by the user, not predicted) by the tax rate from the user’s tax bill ($ per $100), over the remaining years of thfrais_notaire_frFRANCE. Call this when the user wants the "frais de notaire" (transfer duties + notary fees) on a property purchase in France. Same computation as payotte.com/france: departmental duty rate (DGFiP schedule, incl. the 2025 increase and first-time-buyer exemption), communal tax, collection fee, contristats_marche_frFRANCE. Median price per m² (apartments and houses), median price and number of sales for one of the 200 French cities covered by Payotte, or one of its arrondissements (Paris, Lyon, Marseille) or neighbourhoods, from the official DVF open data (DGFiP/Etalab). Latest full year and the year before. Ctrouver_professionnel_frFRANCE. Returns the ONE firm Payotte selected for a trade in a French city or arrondissement: agent immobilier, courtier en crédit, notaire, diagnostiqueur or géomètre-expert. Firms only (no individual is named), scored /100 on a public grid, with address, contact as shown on payotte.com/france andverifier_titre_frFRANCE. For a trade (agent immobilier, courtier en crédit, notaire, diagnostiqueur, géomètre-expert), tells which official title or registry applies (carte T from the CCI, ORIAS, nomination order, certification body, Ordre des géomètres-experts), which identifier to ask for, and where the reader cantransfer_tax_usUNITED STATES. Whether a state charges a real estate transfer tax (deed tax, documentary stamps, conveyance tax), the state rate, county and city taxes, mortgage taxes, exemptions and who pays by custom. With `price`, computes the STATE portion when the rule reduces to one formula (local taxes and sproperty_tax_usUNITED STATES. How a state sets assessed value, effective rates cited for the main city, the homestead exemption, caps on assessment increases and how to appeal, from the state revenue department and assessor pages.property_tax_appeal_usUNITED STATES. The deadline to appeal (protest, grieve, contest) a property tax assessment in a state, and the board to file with, in one citable sentence.attorney_at_closing_usUNITED STATES. Whether a real estate attorney is required at closing in a state (required, partly required, customary, not required), the statute, bar opinion or court ruling behind it, and who usually conducts closings (attorney, title or escrow company).foreclosure_usUNITED STATES. Whether a state forecloses judicially or by trustee sale, the typical or minimum timeline, any right of redemption after the sale, deficiency judgment rules and mediation programs.seller_disclosure_usUNITED STATES. Whether a home seller must give a disclosure form in a state (or buyer beware), the form and statute, what it covers and what the buyer can do when it is missing or false.closing_costs_usUNITED STATES. The closing costs that state law fixes (transfer and mortgage taxes, recording fees, regulated title premiums) and who pays each by contract or custom, with a worked example. No invented averages: when no official typical total exists, it says so.first_time_buyer_programs_usUNITED STATES. The state housing finance agency and its first-time buyer loans, down payment assistance, mortgage credit certificates, income limits and homebuyer education requirement, with official links.home_prices_usUNITED STATES. Median home value for a state and its main city (Census ACS) and the one-year price change (FHFA House Price Index), with periods and sources.community_property_usUNITED STATES. Whether a state is a community property state, an opt-in state, or common law, and what that means for buying and titling a home as a married couple.title_insurance_usUNITED STATES. Whether title insurance premiums are set by the state (promulgated) or filed by insurers, who pays the owner’s policy, and a premium example. Covered states: Florida, Iowa, New Mexico, Texas.natural_hazards_usUNITED STATES. Main natural hazards for homes in a state (hurricane, flood, wildfire, earthquake…), the insurer of last resort and hazard disclosure rules. Covered: 14 high-risk states.verify_license_usUNITED STATES. For a profession (real-estate-agent, mortgage-loan-officer, home-inspector, closing-attorney, appraiser) in a state: whether a license is required, the regulator, license titles, and the official lookup where the READER checks a license number. Payotte lists no US professionals and necompare_states_usUNITED STATES. Lists the states in each category for one topic: transfer-tax (states with no transfer tax), attorney-at-closing (states requiring an attorney), foreclosure (judicial vs non-judicial states), seller-disclosure (buyer beware states), community-property. Use for "which states…" questionstate_overview_usUNITED STATES. Key home-buying facts for a state (transfer tax, property tax, disclosure, attorney, foreclosure) and the list of Payotte articles for that state with their one-line answers.federal_guide_usUNITED STATES. Finds Payotte’s federal guides (rules that apply in every state): FHA, VA, USDA and conventional loans, PMI, down payment, credit score, debt-to-income, escrow, earnest money, closing costs, 1031 exchange, capital gains on a home sale, mortgage interest deduction, flood insurance, refpurchase_tax_ukUNITED KINGDOM. Computes the tax on buying a home: Stamp Duty Land Tax (England, Northern Ireland), Land and Buildings Transaction Tax (Scotland) or Land Transaction Tax (Wales), for a home mover, a first-time buyer or an additional property, with the non-UK resident surcharge and the HM Land Registhouse_prices_ukUNITED KINGDOM. Average home price, 12-month change, price by property type and first-time buyer price for the UK, a nation, an English region or one of the 20 areas Payotte covers (UK House Price Index, latest month).compare_nations_ukUNITED KINGDOM. One rule compared across England, Scotland, Wales and Northern Ireland (purchase tax, first-time buyer relief, conveyancing system, home surveys, tenancy deposits, tenancy regime, Council Tax and rates, EPCs), from Payotte's guides and their official sources.guide_ukUNITED KINGDOM. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in the UK, and returns its self-contained short answer, check date and URL.check_professional_ukUNITED KINGDOM. For an estate agent, mortgage adviser, conveyancer, surveyor or valuer: the regulator or register, what it covers, and where the reader checks a firm (FCA Register, SRA, CLC, Law Society, RICS, redress schemes). Payotte lists no UK firm yet.purchase_duty_auAUSTRALIA. Computes the duty on buying a home in a state or territory (NSW, VIC, QLD, WA, TAS, ACT, NT; not SA, whose rate pages Payotte could not read) with first home buyer, principal residence, foreign buyer (surcharge and FIRB fee) and new home options, plus land titles registration fees. Rateshouse_prices_auAUSTRALIA. ABS Total Value of Dwellings, latest quarter: for a state or territory, the MEAN price of all dwellings; for a capital city or a "rest of state" area, the MEDIAN price of established houses sold. The price_type field says which; the two are not comparable.compare_states_auAUSTRALIA. One rule compared across the states and territories (purchase duty, foreign purchaser surcharge, first home buyer concessions, first home owner grant, land tax, cooling-off period, rental bonds, vendor disclosure), from Payotte's guides and their official sources.guide_auAUSTRALIA. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in Australia, and returns its self-contained short answer, check date and URL.check_professional_auAUSTRALIA. For a real estate agent, mortgage broker, conveyancer, building inspector or property valuer: the state regulators or registers, what they cover, and where the reader checks a licence. Payotte lists no Australian professional yet.stamp_duty_inINDIA. Computes stamp duty and the registration fee on a home purchase in the states and union territories whose official rates Payotte read (Kerala, Chandigarh, Odisha, Puducherry, Uttarakhand, Rajasthan, Maharashtra), on the higher of the price and the reference value, with women buyer rates and thome_loan_emi_inINDIA. EMI, total interest and the RBI loan-to-value caps for a home loan; default rate = RBI weighted average lending rate on fresh housing loans (latest month, provisional).house_prices_inINDIA. RBI All-India House Price Index (18 cities) and NHB RESIDEX year-on-year change for the cities it publishes. Indices only: no official open series gives rupee prices by city.compare_states_inINDIA. One rule compared across the states whose official rates Payotte read (purchase-duty, women-buyer-rates).guide_inINDIA. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in India, including NRI and OCI rules, and returns its self-contained short answer, check date and URL.check_professional_inINDIA. For a real estate agent (state RERA), registered valuer (IBBI), architect (Council of Architecture), home loan lender (RBI) or property lawyer (State Bar Council): where the reader checks a registration. Payotte lists no Indian professional yet and never lists lawyers.purchase_costs_brBRAZIL. Computes the municipal ITBI transfer tax (general rate read in the law of 40 cities), the notary deed and the registration (2026 table of 21 states) on a home purchase in one of the 55 cities covered. Missing parts are flagged (lower limit or not computed), never estimated.mortgage_payment_brBRAZIL. Monthly payment under the Price system (constant) and the SAC system (falling), total interest, CMN loan-to-value caps; default rate = Banco Central average on new housing loans to individuals (latest month).capital_gains_tax_brBRAZIL. Income tax on the gain from selling a home: non-residents computed in full (15% to 22.5% by band, 25% in a listed low-tax jurisdiction, withheld by the buyer); residents: exemptions tested, tax as an upper limit before the FR1/FR2 reduction factors. Purchases before 1996 not computed.compare_states_brBRAZIL. One table across the 27 federative units: purchase-costs-capitals, itbi-state-capitals, notary-and-registry-fees, median-value-financed-homes, rented-homes-share, construction-cost-per-m2.guide_brBRAZIL. Finds the Payotte guide answering a question about a home in Brazil — CPF, rural land and beachfront rules for foreigners, ITBI, deeds, mortgages, capital gains, tenancy law, IPTU — and returns its short answer, check date and URL.check_professional_brBRAZIL. For a real estate broker (CRECI), property appraiser (CNAI, CREA/CAU), architect or engineer (CAU, CREA), mortgage lender (Banco Central) or property lawyer (OAB): where the reader checks a registration. Payotte lists no Brazilian professional yet, and never lists lawyers or lenders.closing_costs_mxMEXICO. Computes the property acquisition tax (ISAI, ISABI, ISTD… set by each municipality or state) and the state's fee to record the deed on a home purchase, from the 2026 laws read, in 54 municipalities (Cancún, Playa del Carmen, Tulum, Puerto Vallarta, Bahía de Banderas, Los Cabos, La Paz, Mazatmortgage_payment_mxMEXICO. Monthly payment and total interest of a fixed-rate peso mortgage; default rate = Banco de México average of advertised fixed-rate offers (latest month), with the average CAT and the Banxico target rate.home_prices_mxMEXICO. Sociedad Hipotecaria Federal figures: median and mean appraisal value of homes bought with a mortgage by state (Jan.-June 2026), and the price index change over a year by state or municipality. Prices in pesos exist by state only.compare_states_mxMEXICO. One rule or figure compared across the states: acquisition-tax, recording-fee, home-prices, price-change, home-loans, rented-homes, agent-licensing.guide_mxMEXICO. Finds the Payotte guide answering a question about buying (restricted zone, fideicomiso, notary, deed), financing, selling (income tax for residents and non-residents), renting or owning a home in Mexico, and returns its self-contained short answer, check date and URL.check_professional_mxMEXICO. For a real estate agent (state licence where one exists), appraiser (SHF register), mortgage lender (CNBV, CONDUSEF), notary (appointed by the state) or real estate lawyer (cédula profesional): where the reader checks. Payotte lists no Mexican professional yet and never lists notaries or lawpurchase_costs_esSPAIN. Computes transfer tax (ITP) on a resale home, or VAT/IGIC and stamp duty (AJD) on a new home, plus land registry fees and the notary's deed fee, at the general rates of each of the 17 regions, Ceuta and Melilla (official texts read), on the higher of the price and the Catastro reference valuemortgage_payment_esSPAIN. Monthly payment and total interest of a repayment mortgage; default rate = Banco de España average rate on mortgages over three years (latest month). Also returns the 12-month Euribor.non_resident_tax_esSPAIN. Non-resident income tax (IRNR) for 2026 on the imputed income of a home a non-resident keeps without letting it: 2% (or 1.1%) of the cadastral value, taxed at 24% (19% for EU/EEA residents).house_prices_esSPAIN. Ministry average appraised value per m² (Q2 2026) for 55 cities and the 19 regions, its change over a year, and the INE house price index by region.compare_regions_esSPAIN. One rule compared across the 19 regions: purchase-tax, new-home-taxes, young-buyer-rates, large-family-rates, appraised-values, house-price-index, agent-registers, stressed-market-areas.guide_esSPAIN. Finds the Payotte guide answering a question about buying (including as a foreign or non-resident buyer: NIE, IRNR, 3% withholding, golden visa), financing, selling, renting or owning a home in Spain, and returns its short answer, check date and URL.check_professional_esSPAIN. For a real estate agent (regional registers), property valuer (Banco de España), architect (colegios), mortgage lender (Banco de España) or property lawyer (bar associations): where the reader checks. Payotte lists no Spanish professional yet and never lists lawyers.purchase_costs_beBELGIUM. Computes the costs of buying an existing home in Brussels-Capital, Wallonia or Flanders: the Region's registration duty (12.5% / 12% or the sole-home reduced rate and abatements), the notary fees from the legal tariff plus VAT, the estimated other costs, and optionally the mortgage deed. Saborrowing_capacity_beBELGIUM. From a net monthly income, computes the capital a fixed-rate loan allows and the highest home price once the Region's purchase costs are paid. Belgium has no legal debt-to-income rule: the share of income (default 33%) and the rate (default 3.5%) are example assumptions you can change. As ohouse_prices_beBELGIUM. Median price of houses and of apartments, with the number of sales, the change over one and ten years and the latest quarters, for a municipality (55 covered: the 19 Brussels municipalities, Wallonian and Flemish cities), a province or a Region. Statbel medians of recorded resale deeds (FPScompare_regions_beBELGIUM. The same purchase compared across Brussels-Capital, Wallonia and Flanders: registration duty, notary, other costs, total and its share of the price, with each Region's median house and apartment price (Statbel). Registration duties are regional; the notary tariff is federal.guide_beBELGIUM. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in Belgium, in English, French or Dutch, and returns its self-contained short answer, check date and URL (and the same guide in the other languages when it exists). The page URL is returncheck_professional_beBELGIUM. For an estate agent, mortgage (credit) broker, notary, land surveyor or EPB/EPC energy assessor: the regulatory body or register, what the title means and where the reader checks it (IPI/BIV, FSMA, notaire.be, the surveyors' Order, the Walloon energy administration). Names no professional.
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