io.github.payotte-com/payotte-mcp
io.github.payotte-com/payotte-mcpVerified Canadian real-estate pros + housing data: prices, rates, land-transfer tax, rent-vs-buy.
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Tools · 88
Call 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 munici…
Call 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))…
Call 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…
Call 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. …
Call 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,…
Call 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.…
Call 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 Governm…
Call 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 sch…
Call 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 refe…
Call 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…
Call 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 — …
Call 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 …
Call 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 of…
Call 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, …
FRANCE. 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 sch…
FRANCE. 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 nei…
FRANCE. 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 individua…
FRANCE. 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, cer…
UNITED 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 cust…
UNITED 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 …
UNITED 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.
UNITED 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 usuall…
UNITED 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.
UNITED 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.
UNITED 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 invente…
UNITED 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 …
UNITED 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.
UNITED 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.
UNITED 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, …
UNITED 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.
UNITED 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 th…
UNITED 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 st…
UNITED 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.
UNITED STATES. How to find out who owns a property in a state or DC: the office that records deeds, where the owner’s name is shown for free (assessor parcel search), the official statewide online sea…
UNITED 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 c…
UNITED 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 f…
UNITED 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 Ind…
UNITED 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, Coun…
UNITED 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.
UNITED 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 Socie…
AUSTRALIA. 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, for…
AUSTRALIA. 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…
AUSTRALIA. 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 b…
AUSTRALIA. 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.
AUSTRALIA. 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. Payo…
INDIA. 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, Rajas…
INDIA. 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).
INDIA. 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.
INDIA. One rule compared across the states whose official rates Payotte read (purchase-duty, women-buyer-rates).
INDIA. 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…
INDIA. 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 reg…
BRAZIL. 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 …
BRAZIL. 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…
BRAZIL. 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, ta…
BRAZIL. 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.
BRAZIL. 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 return…
BRAZIL. 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 re…
MEXICO. 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 municipal…
MEXICO. 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 ta…
MEXICO. 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…
MEXICO. One rule or figure compared across the states: acquisition-tax, recording-fee, home-prices, price-change, home-loans, rented-homes, agent-licensing.
MEXICO. 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 hom…
MEXICO. 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)…
SPAIN. 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, …
SPAIN. 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.
SPAIN. 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).
SPAIN. 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.
SPAIN. 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.
SPAIN. 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. 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 …
GERMANY. Computes real estate transfer tax (Grunderwerbsteuer) at the rate of each of the 16 states, notary and land registry fees from the GNotKG fee table (in force 1 June 2025), and optionally the …
GERMANY. Monthly payment and total interest of an annuity loan; default rate = Bundesbank average effective rate on new housing loans fixed over 5 up to 10 years (latest month). Also returns the other…
GERMANY. Average net cold rent per m², owner-occupation and vacancy rates at the 2022 census for the largest cities and the 16 states.
GERMANY. One rule compared across the 16 states: purchase-tax, first-buyer-aid, property-tax-model, rents-and-ownership, land-value-data.
GERMANY. Finds the Payotte guide answering a question about buying (including as a foreign buyer), financing, selling, renting or owning a home in Germany, and returns its short answer, check date and…
GERMANY. For a real estate agent (§ 34c GewO permit, no public register), mortgage broker (§ 34i, DIHK register), property valuer (public appointment), architect (state chambers) or notary (public off…
ITALY. Computes the national purchase taxes: registration tax 9% (2% with prima casa relief, min. €1,000) on the price or the cadastral value (prezzo-valore) plus €50 + €50 on a resale from a private …
ITALY. Monthly payment and total interest of a constant-instalment loan; default rate = ECB average agreed rate for Italy on new housing loans fixed over 5 up to 10 years (latest month). Also returns …
ITALY. Home sales (OMI register of the Agenzia delle Entrate) in 2024 and 2025 (provisional), sales per 1,000 residents and population (ISTAT) for the 20 regions and the 20 cities with the most sales.
ITALY. One measure compared across the 20 regions (home-sales).
ITALY. Finds the Payotte guide answering a question about buying (including as a foreign buyer), financing, selling, renting, renovating or owning a home in Italy, and returns its short answer, check …
ITALY. For a real estate agent (Registro Imprese / REA), mortgage broker (OAM lists), surveyor (geometri register), architect (Albo Unico Nazionale) or notary (public office, Albo Unico): where the re…
BELGIUM. 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 …
BELGIUM. 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 sh…
BELGIUM. 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, …
BELGIUM. 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 apartm…
BELGIUM. 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, c…
BELGIUM. 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,…
How to use
Add to your Claude Desktop / Cursor / Cline MCP config:
{
"mcpServers": {
"io.github.payotte-com/payotte-mcp": {
"url": "https://payotte-mcp.payotte.workers.dev/mcp",
"transport": "streamable-http"
}
}
}