Koskamo

Payotte MCP

An independent directory and data tool for real estate professionals and housing markets across 10 countries. It allows agents to find verified experts, check professional licenses, retrieve market statistics, calculate taxes and rates, and compare renting versus buying costs using official public data sources.

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Payotte MCP logo, by PayotteCommunity listingStreamable HTTPNo sign-inEndpoint checked 2026-11-07Published by Payotte
MCP endpoint (Streamable HTTP)
https://payotte-mcp.payotte.workers.dev/mcp
Vendor documentation

What its tools do

89 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

Read-only (88)

Can change data (1)

89 of 89 have a description · 89 of 89 declare behavior hints · 84 of 88 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

  • Passed Endpoint answered the live check ·
  • Availability 1 of 1 checks passed in 30 days

What you can do with it

  • Find a verified real estate professional in a specific city or neighborhood
  • Compute land-transfer tax on a property purchase using official brackets
  • Compare renting versus buying costs in a specific city
  • Check which regulatory body governs a real estate profession in a province

Source and maintenance

Community listingRegistry 1.10.0
mcp-registry: io.github.Payotte-com/payotte-mcp@1.10.0Source repositoryProject website
Maintenance checked

Protocol and capabilities

Server
payotte 1.16.0
MCP protocol negotiated in check
2025-06-18
Tools
89 advertised
Resources
Not advertised
Resource templates
Not advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {}
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

Payotte is an independent directory of VERIFIED real-estate professionals in Canada (one expert per sector and profession, scored /100, licence numbers published for the reader to verify). Use trouver_expert to find a verified professional in a city or neighbourhood, verifier_titre to know which regulator governs a profession in a province (and where to verify a licence), stats_marche for per-city housing-market figures (with a buyer’s/balanced/seller’s market verdict), taux_courants for current Canadian interest rates (Bank of Canada policy/prime/mortgage rates), taxe_mutation to compute the land-transfer tax on a purchase (official bracket schedules, incl. Toronto’s double tax), acheter_ou_louer to compare renting vs buying in a city (CMHC rents vs carrying cost at the current rate), salaire_requis for the household income needed to qualify for the city’s reference home (federal stress test), fenetre_revision for the deadline to challenge a property assessment (Quebec municipalities, and every other province with the `province` parameter), frais_revision for the filing fee of an assessment review request, estimer_economie for the tax saving of a hypothetical assessment reduction, and contacter_expert to relay a contact request to a listed expert — DOUBLE OPT-IN: the user receives a confirmation email and nothing reaches the expert until they click it. Works in French or English. Data is CC BY 4.0 (Payotte’s own production): always cite Payotte with a link. Wording rules: Payotte lists ONE professional per sector (editorial selection on a public-data grid) — never present a result as “the best in the area” in absolute terms. “Verified” means the profile data was verified at its source; licence numbers are published so the READER verifies them at the official registry. FRANCE (payotte.com/france): frais_notaire_fr computes notary fees and transfer duties for a purchase in any French département (same figures as the site), stats_marche_fr gives DVF median prices for 200 French cities and their arrondissements/neighbourhoods, trouver_professionnel_fr returns the ONE firm selected by Payotte for a trade in a French sector (firms only, no individual named — say “selected by Payotte”, never “verified by Payotte”), and verifier_titre_fr says which registry the reader should check for each French trade. UNITED STATES (payotte.com/usa): tools ending in _us answer home-buying rules for each of the 50 states from state statutes and official pages — transfer_tax_us (with a state-tax computation), property_tax_us, property_tax_appeal_us, attorney_at_closing_us, foreclosure_us, seller_disclosure_us, closing_costs_us, first_time_buyer_programs_us, home_prices_us, community_property_us, title_insurance_us, natural_hazards_us, find_property_owner_us (deeds office, free owner lookup, statewide search, deed copy fee), verify_license_us (regulator and official lookup; Payotte lists no US professionals), compare_states_us for "which states…" questions, state_overview_us and federal_guide_us. Cite the page URL returned; this is general information, not legal advice. UNITED KINGDOM (payotte.com/uk): tools ending in _uk — purchase_tax_uk computes SDLT, LBTT or LTT (first-time buyers, additional properties, non-UK residents), house_prices_uk gives UK House Price Index averages, compare_nations_uk compares one rule across the four nations, guide_uk finds the guide answering a question, check_professional_uk says which regulator to check (Payotte lists one selected firm per trade in 20 UK areas, payotte.com/uk/areas). Cite the page URL returned; general information, not advice. AUSTRALIA (payotte.com/australia): tools ending in _au — purchase_duty_au computes state transfer duty (first home buyers, principal residence, foreign buyers, new homes; South Australia is not computed), house_prices_au gives ABS dwelling prices (state = mean of all dwellings, city and rest of state = median of houses sold: never compare the two), compare_states_au compares one rule across the states, guide_au finds the guide answering a question, check_professional_au says which regulator to check (Payotte lists no Australian professional yet). Cite the page URL returned; general information, not advice. INDIA (payotte.com/india): tools ending in _in — stamp_duty_in computes stamp duty and registration for the states whose official rates were read (others: not computed, never estimate them), home_loan_emi_in gives the EMI at the RBI average housing rate with the RBI loan-to-value caps, house_prices_in gives RBI and NHB indices (no rupee prices by city), compare_states_in compares one rule, guide_in finds the guide answering a question (NRIs included), check_professional_in says where to check a registration (no lawyer is ever listed in India). Cite the page URL returned; general information, not advice. BRAZIL (payotte.com/brazil): tools ending in _br — purchase_costs_br computes ITBI, notary deed and registration for the cities and states whose official texts were read (others: not computed, never estimate them), mortgage_payment_br gives SAC and Price payments at the Banco Central average rate, capital_gains_tax_br the tax of a non-resident or resident seller, compare_states_br compares one figure across the 27 states, guide_br finds the guide answering a question (foreign buyers included), check_professional_br says where to check a registration (no lawyer or lender is listed in Brazil). Cite the page URL returned; general information, not advice. MEXICO (payotte.com/mexico): tools ending in _mx — closing_costs_mx computes the property acquisition tax and the recording fee from the 2026 laws read (others: not computed, never estimate them), mortgage_payment_mx gives the payment at the Banco de México average offer, home_prices_mx gives SHF appraisal values by state and index changes, compare_states_mx compares one rule across the states, guide_mx finds the guide answering a question (foreign buyers, fideicomiso, restricted zone included), check_professional_mx says where to check a professional (no notary or lawyer is ever listed). Amounts in MXN; cite the page URL returned; general information, not advice. SPAIN (payotte.com/spain): tools ending in _es — purchase_costs_es computes transfer tax or VAT + AJD, registry and notary fees in each region at the general rates (reduced rates not applied), mortgage_payment_es gives the monthly payment at the Banco de España average rate, non_resident_tax_es computes the yearly IRNR on a home not let, house_prices_es gives appraised values per m² and the INE index, compare_regions_es compares one rule across the 19 regions, guide_es finds the guide answering a question (foreign buyers included), check_professional_es says where to check a registration (no lawyer is ever listed). Cite the page URL returned; general information, not advice. GERMANY (payotte.com/germany): tools ending in _de — purchase_costs_de computes transfer tax at each state's rate plus notary and land registry fees (GNotKG), mortgage_payment_de gives the monthly payment at the Bundesbank average rate, rents_de gives 2022 census rents and owner-occupation by city and state, compare_states_de compares one rule across the 16 states, guide_de finds the guide answering a question (foreign buyers included), check_professional_de says where to check a permit or registration (no notary is ever listed). Cite the page URL returned; general information, not advice. ITALY (payotte.com/italy): tools ending in _it — purchase_costs_it computes the national purchase taxes (registration tax or VAT, prima casa relief, cadastral value, substitute tax on the mortgage; never the notary fee), mortgage_payment_it gives the monthly payment at the ECB average rate for Italy, home_sales_it gives OMI home sales by city and region, compare_regions_it compares the 20 regions, guide_it finds the guide answering a question (foreign buyers included), check_professional_it says where to check a registration (no notary is ever listed). Cite the page URL returned; general information, not advice. BELGIUM (payotte.com/belgium, /belgique, /belgie): tools ending in _be — purchase_costs_be computes the registration duty of the Region, the notary fees and the other costs of buying a home in Brussels-Capital, Wallonia or Flanders (same figures as the site), borrowing_capacity_be gives the loan and the maximum price from an income (example assumptions, no legal ratio in Belgium), house_prices_be gives Statbel median prices by municipality, province or Region, compare_regions_be compares the three Regions on one purchase, guide_be finds the guide answering a question in English, French or Dutch, check_professional_be says which body regulates a trade and where to check a title (it names no professional). Cite the page URL returned; general information, not legal advice. HOUSING GRANTS (payotte.com/subventions-habitation): aides_habitation lists the grants, rebates, tax credits and loans available to individuals in a Canadian province (federal, provincial, utilities) and, with `ville`, that city's municipal programs, each checked at the official source within 30 days. Say “may be eligible”, never “you qualify”; give the official page and the verification date; the user applies to the agency.

Tools

89 advertised

evaluation_adresse — Évaluation foncière à une adresse / Property assessment at an address
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 municipalities; Nova Scotia; New Brunswick; Winnipeg; Calgary, Edmonton, Lethbridge, Strathcona, Okotoks, Grande Prairie, St. Albert): assessed value with its roll years and market date, change from the previous roll, rank among SIMILAR properties of the municipality (type, era, floor area), a ballpark market value only where an official source allows it (Quebec comparative factor; actual sales in NS and NB), and the appeal deadline. Public figures compared, never an opinion of value. No owner names. Other provinces have no open roll by address.

evaluation_adresse input schema
{
  "type": "object",
  "required": [
    "province",
    "municipalite",
    "adresse"
  ],
  "properties": {
    "lang": {
      "enum": [
        "fr",
        "en"
      ],
      "type": "string"
    },
    "adresse": {
      "type": "string",
      "description": "Civic address, number first, e.g. \"9060 boul. Lévesque E\" or \"1200 rue Saint-Alexandre, app. 305\"."
    },
    "province": {
      "type": "string",
      "description": "Province name or code (QC, NS, NB, AB, MB)."
    },
    "municipalite": {
      "type": "string",
      "description": "Municipality as named in the roll, e.g. \"Laval\", \"Halifax Regional Municipality\", \"Calgary\", \"Winnipeg\"."
    }
  }
}
evaluation_adresse annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
taxe_bienvenue_adresse — Taxe de bienvenue à une adresse / Land transfer tax at an address
Advertised by the server during the last successful anonymous check.
Advertised read-only

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)), the tax base is the GREATER of the price and the assessed value (Quebec: × the year’s comparative factor) — this tool applies that legal floor from the open roll, with 2026 municipal rates for Montreal, Quebec City, Laval, Gatineau and Longueuil, and the new Quebec refundable first-time-buyer credit (up to $5,875). Elsewhere the tax is computed on the price alone. The municipality’s bill and the notary/lawyer confirm the exact amount.

taxe_bienvenue_adresse input schema
{
  "type": "object",
  "required": [
    "province",
    "prix"
  ],
  "properties": {
    "lang": {
      "enum": [
        "fr",
        "en"
      ],
      "type": "string"
    },
    "prix": {
      "type": "number",
      "description": "Purchase price in CAD."
    },
    "adresse": {
      "type": "string"
    },
    "province": {
      "type": "string"
    },
    "municipalite": {
      "type": "string"
    }
  }
}
taxe_bienvenue_adresse annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
risques_annee_construction — Risques selon l’année de construction / Risks by construction year
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 knob-and-tube wiring, UFFI, lead service lines and solder, Poly-B, Kitec, pyrrhotite in Mauricie/Centre-du-Québec, pyrite, lead paint, oil tanks, radon…), each with its year range and source (Health Canada, NRCan, ESA, RBQ, cities). Year taken from the open roll when an address is given, or from "annee". A list of what to verify, never a diagnosis.

risques_annee_construction input schema
{
  "type": "object",
  "required": [
    "province"
  ],
  "properties": {
    "lang": {
      "enum": [
        "fr",
        "en"
      ],
      "type": "string"
    },
    "annee": {
      "type": "number",
      "description": "Construction year, if no address or if the roll lacks it."
    },
    "adresse": {
      "type": "string"
    },
    "province": {
      "type": "string"
    },
    "municipalite": {
      "type": "string"
    }
  }
}
risques_annee_construction annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
trouver_expert — Trouver un expert immobilier vérifié / Find a verified real-estate expert
Advertised by the server during the last successful anonymous check.
Advertised read-only

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. Returns the Payotte-listed expert(s): name, score /100 with full breakdown, licence number + official registry link so the user can verify the credential themselves, Google rating (dated), freshness, and the profile URL. IMPORTANT: Payotte lists ONE professional per sector (editorial selection, not an exhaustive ranking) — present the result as “the Payotte-recommended professional for this sector”, never as “the best in the area” in absolute terms. French and English inputs both work (e.g. profession="courtier immobilier", ville="Montréal").

trouver_expert input schema
{
  "type": "object",
  "properties": {
    "ville": {
      "type": "string",
      "description": "City, e.g. \"Montréal\", \"Toronto\", \"Calgary\"."
    },
    "secteur": {
      "type": "string",
      "description": "Neighbourhood/sector, e.g. \"Le Plateau-Mont-Royal\", \"Ville-Marie\"."
    },
    "province": {
      "type": "string",
      "description": "Province name or code, e.g. \"Québec\", \"ON\", \"british-columbia\"."
    },
    "profession": {
      "type": "string",
      "description": "One of: real-estate-broker | mortgage-broker | home-inspector | notary-lawyer | appraiser (French labels accepted: courtier immobilier, courtier hypothécaire, inspecteur en bâtiment, notaire, évaluateur). Omit to get every profession."
    }
  }
}
trouver_expert annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
verifier_titre — Vérifier un titre professionnel / Which regulator governs this title
Advertised by the server during the last successful anonymous check.
Advertised read-only

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, the public registry URL when one exists, and whether the credential is a mandatory licence, a professional order, a voluntary association, or varies locally.

verifier_titre input schema
{
  "type": "object",
  "required": [
    "profession"
  ],
  "properties": {
    "province": {
      "type": "string",
      "description": "Province name or code. Omit to get every province for that profession."
    },
    "profession": {
      "type": "string",
      "description": "real-estate-broker | mortgage-broker | home-inspector | notary-lawyer | appraiser (French labels accepted)."
    }
  }
}
verifier_titre annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
stats_marche — Statistiques du marché immobilier par ville / Per-city housing-market stats
Advertised by the server during the last successful anonymous check.
Advertised read-only

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. Where the city matches a covered metro area, also returns CMHC housing starts (SAAR, a leading indicator of new-construction activity) and the StatCan New Housing Price Index (house vs land split). Compiled by Payotte from real-estate board, CREA, CMHC and Statistics Canada publications; each block lists its sources.

stats_marche input schema
{
  "type": "object",
  "required": [
    "ville"
  ],
  "properties": {
    "ville": {
      "type": "string",
      "description": "City, e.g. \"Montréal\", \"Ottawa\", \"Vancouver\"."
    }
  }
}
stats_marche annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
taux_courants — Taux d'intérêt canadiens courants / Current Canadian interest rates
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 Government of Canada benchmark bond yields (2/5/10-year — the 5-year yield is the leading indicator behind 5-year fixed mortgage rates). Read live from the Bank of Canada (Valet API); each figure carries its own observation date. Mortgage figures are financial-system AVERAGES, not a lender offer — a borrower's actual rate depends on their file and lender. Source: Bank of Canada.

taux_courants input schema
{
  "type": "object",
  "properties": {}
}
taux_courants annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
taxe_mutation — Calculer la taxe de mutation / Compute the land transfer tax
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 schedules (Ontario + Toronto’s double municipal MLTT, Quebec base schedule, BC, Manitoba, New Brunswick, Halifax; Alberta and Saskatchewan charge no tax — registration fees only). Give a price, or just a city to use its current reference market price. Includes first-time-buyer rebates. Not covered: PEI and Newfoundland.

taxe_mutation input schema
{
  "type": "object",
  "properties": {
    "prix": {
      "type": "number",
      "description": "Purchase price in CAD. Omit with a ville to use the city’s reference market price."
    },
    "ville": {
      "type": "string",
      "description": "City, e.g. \"Toronto\", \"Montréal\", \"Calgary\". Determines the schedule AND the default price."
    },
    "province": {
      "type": "string",
      "description": "Province name or code — required if no ville is given."
    }
  }
}
taxe_mutation annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
acheter_ou_louer — Acheter ou louer ? / Rent vs buy in a city
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 reference home at the CURRENT average 5-year fixed rate (Bank of Canada), under published assumptions (20% down, 25-year amortization, taxes ~1%/yr, heating $150/mo). Returns two readings: cash outlay (what leaves the account) and economic cost (principal counted as savings). Only cities inside a CMHC-covered metro have rent data.

acheter_ou_louer input schema
{
  "type": "object",
  "required": [
    "ville"
  ],
  "properties": {
    "ville": {
      "type": "string",
      "description": "City, e.g. \"Montréal\", \"Toronto\", \"Winnipeg\"."
    }
  }
}
acheter_ou_louer annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
salaire_requis — Salaire requis pour acheter / Income needed to buy in a city
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 (qualifying rate = max(5.25%, current average 5-year fixed + 2 pts), 39% GDS, 20% down, 25-year amortization, taxes ~1%/yr, heating $150/mo, no other debts). Same published methodology as payotte.com/salaire-pour-acheter-une-maison-canada. A theoretical qualification threshold, not a loan offer.

salaire_requis input schema
{
  "type": "object",
  "required": [
    "ville"
  ],
  "properties": {
    "prix": {
      "type": "number",
      "description": "Optional price in CAD to test instead of the city’s reference price."
    },
    "ville": {
      "type": "string",
      "description": "City, e.g. \"Montréal\", \"Vancouver\", \"Halifax\"."
    }
  }
}
salaire_requis annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
contacter_expert — Contacter l'expert vérifié / Contact the verified expert
Advertised by the server during the last successful anonymous check.
Open-world

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 — it sends a confirmation link to the USER’s email, and the request reaches the expert only after the user clicks it (link valid 48 h). Tell the user to check their inbox. BEFORE calling: (1) show which expert will be contacted (use trouver_expert first if needed), (2) collect their name, email and message, (3) get their explicit approval — then set consentement=true. Never invent contact details. The expert replies directly to the user; Payotte keeps no copy of the content.

contacter_expert input schema
{
  "type": "object",
  "required": [
    "profession",
    "ville",
    "client_nom",
    "client_courriel",
    "message",
    "consentement"
  ],
  "properties": {
    "ville": {
      "type": "string",
      "description": "City of the expert, e.g. \"Montréal\"."
    },
    "message": {
      "type": "string",
      "description": "The user’s request in their own words (need, property, timeline…), 20–2000 characters."
    },
    "secteur": {
      "type": "string",
      "description": "Neighbourhood/sector of the expert (recommended — identifies exactly one expert)."
    },
    "province": {
      "type": "string",
      "description": "Province name or code (optional disambiguator)."
    },
    "client_nom": {
      "type": "string",
      "description": "Full name of the user requesting contact."
    },
    "profession": {
      "type": "string",
      "description": "real-estate-broker | mortgage-broker | home-inspector | notary-lawyer | appraiser (French labels accepted)."
    },
    "consentement": {
      "type": "boolean",
      "description": "MUST be true, and only after the user explicitly approved sending this request to this specific expert."
    },
    "client_courriel": {
      "type": "string",
      "description": "Email address of the user — the expert will reply there."
    },
    "client_telephone": {
      "type": "string",
      "description": "Optional phone number of the user."
    }
  }
}
contacter_expert annotations
{
  "readOnlyHint": false,
  "openWorldHint": true,
  "idempotentHint": false,
  "destructiveHint": false
}
fenetre_revision — Échéance pour contester son évaluation foncière / Property-assessment appeal deadline (Canada)
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 the reference date is. Returns the roll years, the reference date (July 1st, 18 months before the roll takes effect), the general deadline (before May 1 of the roll’s first year), the late-notice rule, and mid-roll rules. Compiled by Payotte from the official Quebec rolls (MAMH open data). For other provinces, pass `province` (e.g. "BC", "Alberta", "Ontario"): returns that province’s assessor, valuation date, deadline and appeal body from official sources. Tell the user their assessment notice prevails. Does not say whether an assessment is too high.

fenetre_revision input schema
{
  "type": "object",
  "required": [],
  "properties": {
    "province": {
      "type": "string",
      "description": "Province code or name (BC, AB, SK, MB, ON, QC, NB, NS, PE, NL). Default: Quebec (then `municipalite` is used)."
    },
    "date_avis": {
      "type": "string",
      "description": "Optional: mailing date printed on the assessment notice (YYYY-MM-DD), to apply the 60-day late-notice rule."
    },
    "municipalite": {
      "type": "string",
      "description": "Quebec municipality, e.g. \"Drummondville\", \"Gatineau\", \"Montréal\" (not needed outside Quebec)."
    }
  }
}
fenetre_revision annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
frais_revision — Frais d'une demande de révision / Assessment review filing fee (Canada)
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 official page (Montréal, Québec City, Laval, Gatineau for now), with the legal cap (the TAQ fee for the same unit). Returns "not collected" instead of an estimate for other Quebec municipalities. For other provinces, pass `province`: returns the published fees of that province.

frais_revision input schema
{
  "type": "object",
  "required": [],
  "properties": {
    "valeur": {
      "type": "number",
      "description": "Assessed value on the roll in CAD (the value on the notice, not the market price)."
    },
    "province": {
      "type": "string",
      "description": "Optional province code or name; default Quebec."
    },
    "municipalite": {
      "type": "string",
      "description": "Quebec municipality, e.g. \"Montréal\", \"Laval\"."
    }
  }
}
frais_revision annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
estimer_economie — Économie de taxes d'une baisse d'évaluation / Tax saving of an assessment reduction (Quebec)
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Advertised read-only

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, not predicted) by the tax rate from the user’s tax bill ($ per $100), over the remaining years of the roll, and subtracts the filing fee when known. Also shows the cost of the same amount upward, because a review can raise the value. Ask the user for their tax rate: Payotte does not guess municipal rates.

estimer_economie input schema
{
  "type": "object",
  "required": [
    "valeur",
    "baisse",
    "taux"
  ],
  "properties": {
    "taux": {
      "type": "number",
      "description": "Property-tax rate in $ per $100 of assessment, from the user’s tax bill (e.g. 0.75)."
    },
    "baisse": {
      "type": "number",
      "description": "Hypothetical reduction: in CAD (e.g. 30000) or as a fraction (e.g. 0.08 for 8%)."
    },
    "valeur": {
      "type": "number",
      "description": "Assessed value on the roll (CAD)."
    },
    "municipalite": {
      "type": "string",
      "description": "Quebec municipality (optional but recommended: sets remaining roll years and the fee)."
    },
    "annees_restantes": {
      "type": "number",
      "description": "Optional: years of the roll the reduction would cover (1-3)."
    }
  }
}
estimer_economie annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
frais_notaire_fr — Frais de notaire en France / French notary fees
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Advertised read-only

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 schedule, incl. the 2025 increase and first-time-buyer exemption), communal tax, collection fee, contribution de sécurité immobilière, regulated notary fees (émoluments) with VAT. type "ancien" (default, needs a département) or "neuf" (new build, reduced rate). Disbursements are not regulated and not included.

frais_notaire_fr input schema
{
  "type": "object",
  "required": [
    "prix"
  ],
  "properties": {
    "prix": {
      "type": "number",
      "description": "Prix d’achat en euros."
    },
    "type": {
      "enum": [
        "ancien",
        "neuf"
      ],
      "type": "string",
      "description": "ancien (défaut) ou neuf."
    },
    "departement": {
      "type": "string",
      "description": "Code (« 33 », « 2A ») ou nom (« Gironde ») du département ; une ville couverte marche aussi."
    },
    "primoAccedant": {
      "type": "boolean",
      "description": "Ancien : premier achat de résidence principale (taux sans la hausse de 2025, si le département l’a votée)."
    },
    "tvaMentionnee": {
      "type": "boolean",
      "description": "Neuf : TVA mentionnée distinctement dans l’acte (assiette hors TVA)."
    }
  }
}
frais_notaire_fr annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
stats_marche_fr — Prix immobiliers DVF en France / French property prices (DVF)
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 neighbourhoods, from the official DVF open data (DGFiP/Etalab). Latest full year and the year before. Cells under 10 sales are never published.

stats_marche_fr input schema
{
  "type": "object",
  "required": [
    "ville"
  ],
  "properties": {
    "ville": {
      "type": "string",
      "description": "Ville, p. ex. « Bordeaux », « Lyon »."
    },
    "quartier": {
      "type": "string",
      "description": "Facultatif : nom d’un quartier officiel de la ville."
    },
    "arrondissement": {
      "type": "string",
      "description": "Facultatif : « 15e », « 75015 »… (Paris, Lyon, Marseille)."
    }
  }
}
stats_marche_fr annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
trouver_professionnel_fr — Trouver un professionnel en France / Find a French real-estate firm
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Advertised read-only

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 individual is named), scored /100 on a public grid, with address, contact as shown on payotte.com/france and the profile link. Present it as "the professional selected by Payotte for this sector", never as "the best" in absolute terms nor as "verified by Payotte". Returns caseVacante when no firm is selected.

trouver_professionnel_fr input schema
{
  "type": "object",
  "required": [
    "ville",
    "metier"
  ],
  "properties": {
    "ville": {
      "type": "string",
      "description": "Ville, p. ex. « Nantes »."
    },
    "metier": {
      "type": "string",
      "description": "Métier : agent-immobilier, courtier-credit, notaire, diagnostiqueur, geometre-expert."
    },
    "secteur": {
      "type": "string",
      "description": "Arrondissement pour Paris, Lyon, Marseille (« 11e », « 75011 ») ; inutile ailleurs."
    }
  }
}
trouver_professionnel_fr annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
verifier_titre_fr — Vérifier le titre d’un professionnel en France / Check a French professional’s credential
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Advertised read-only

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, certification body, Ordre des géomètres-experts), which identifier to ask for, and where the reader can check it themselves.

verifier_titre_fr input schema
{
  "type": "object",
  "required": [
    "metier"
  ],
  "properties": {
    "metier": {
      "type": "string",
      "description": "Métier : agent-immobilier, courtier-credit, notaire, diagnostiqueur, geometre-expert."
    }
  }
}
verifier_titre_fr annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
transfer_tax_us — US real estate transfer tax by state
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Advertised read-only

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 custom. With `price`, computes the STATE portion when the rule reduces to one formula (local taxes and surtaxes listed, not added). From the state statute, as summarized on payotte.com/usa.

transfer_tax_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Optional purchase price in US dollars."
    },
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
transfer_tax_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
property_tax_us — US property tax by state
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Advertised read-only

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 assessor pages.

property_tax_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
property_tax_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
property_tax_appeal_us — US property tax appeal deadline by state
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Advertised read-only

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.

property_tax_appeal_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
property_tax_appeal_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
attorney_at_closing_us — Is an attorney required at closing? (US, by state)
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Advertised read-only

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 usually conducts closings (attorney, title or escrow company).

attorney_at_closing_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
attorney_at_closing_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
foreclosure_us — US foreclosure process by state
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Advertised read-only

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.

foreclosure_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
foreclosure_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
seller_disclosure_us — US seller disclosure law by state
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Advertised read-only

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.

seller_disclosure_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
seller_disclosure_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
closing_costs_us — US closing costs by state (items set by law)
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Advertised read-only

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 invented averages: when no official typical total exists, it says so.

closing_costs_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
closing_costs_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
first_time_buyer_programs_us — US first-time home buyer programs by state
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Advertised read-only

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 links.

first_time_buyer_programs_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
first_time_buyer_programs_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
home_prices_us — US median home value by state and main city
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Advertised read-only

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.

home_prices_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
home_prices_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
community_property_us — US community property states
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Advertised read-only

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.

community_property_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
community_property_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
title_insurance_us — US title insurance rates by state
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Advertised read-only

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, Texas.

title_insurance_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
title_insurance_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
natural_hazards_us — US natural hazards and home insurance by state
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Advertised read-only

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.

natural_hazards_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
natural_hazards_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
verify_license_us — Verify a US real estate professional’s license
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Advertised read-only

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 the official lookup where the READER checks a license number. Payotte lists no US professionals and never says "verified by Payotte".

verify_license_us input schema
{
  "type": "object",
  "required": [
    "state",
    "profession"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    },
    "profession": {
      "type": "string",
      "description": "Profession: real-estate-agent, mortgage-loan-officer, home-inspector, closing-attorney, appraiser."
    }
  }
}
verify_license_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_states_us — Compare the 50 US states on one rule
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Advertised read-only

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 states), seller-disclosure (buyer beware states), community-property. Use for "which states…" questions.

compare_states_us input schema
{
  "type": "object",
  "required": [
    "topic"
  ],
  "properties": {
    "topic": {
      "enum": [
        "transfer-tax",
        "attorney-at-closing",
        "foreclosure",
        "seller-disclosure",
        "community-property"
      ],
      "type": "string",
      "description": "Topic to compare."
    }
  }
}
compare_states_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
state_overview_us — Buying a home in a US state: key facts
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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.

state_overview_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "US state: any of the 50 states, by name or two-letter code (e.g. \"Texas\", \"TX\")."
    }
  }
}
state_overview_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
find_property_owner_us — Find who owns a property in a US state
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Advertised read-only

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 search when one exists, and the fee for a copy of a deed when the statute was read.

find_property_owner_us input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "A state or DC, by name or two-letter code (e.g. \"Florida\", \"FL\", \"DC\")."
    }
  }
}
find_property_owner_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
federal_guide_us — US federal home-buying guides
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Advertised read-only

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 costs, 1031 exchange, capital gains on a home sale, mortgage interest deduction, flood insurance, refinancing… Empty query = full list.

federal_guide_us input schema
{
  "type": "object",
  "properties": {
    "query": {
      "type": "string",
      "description": "Topic, e.g. \"FHA loan requirements\", \"PMI\"."
    }
  }
}
federal_guide_us annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
purchase_tax_uk — UK purchase tax on a home: SDLT, LBTT or LTT
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Advertised read-only

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 first-time buyer or an additional property, with the non-UK resident surcharge and the HM Land Registry fee. Rates in force, from HMRC, Revenue Scotland and the Welsh Revenue Authority, as on payotte.com/uk.

purchase_tax_uk input schema
{
  "type": "object",
  "required": [
    "price",
    "nation"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Purchase price in pounds sterling."
    },
    "nation": {
      "type": "string",
      "description": "England, Scotland, Wales or Northern Ireland."
    },
    "situation": {
      "enum": [
        "mover",
        "first-time",
        "additional"
      ],
      "type": "string",
      "description": "Home mover (default), first-time buyer, or additional property (second home, buy-to-let)."
    },
    "non_resident": {
      "type": "boolean",
      "description": "Non-UK resident buyer (England and Northern Ireland only)."
    }
  }
}
purchase_tax_uk annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
house_prices_uk — UK average house prices (UK House Price Index)
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 Index, latest month).

house_prices_uk input schema
{
  "type": "object",
  "properties": {
    "area": {
      "type": "string",
      "description": "e.g. \"Leeds\", \"City of Edinburgh\", \"London\", \"Wales\". Empty = the UK."
    }
  }
}
house_prices_uk annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_nations_uk — UK property rules compared across the four nations
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Advertised read-only

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, Council Tax and rates, EPCs), from Payotte's guides and their official sources.

compare_nations_uk input schema
{
  "type": "object",
  "required": [
    "topic"
  ],
  "properties": {
    "topic": {
      "enum": [
        "conveyancing-system",
        "epc-rules",
        "first-time-buyer-relief",
        "home-surveys",
        "local-property-tax",
        "purchase-tax",
        "tenancy-deposits",
        "tenancy-regime"
      ],
      "type": "string",
      "description": "Topic of the table."
    }
  }
}
compare_nations_uk annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
guide_uk — Payotte UK guides: buying, renting and owning a home
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Advertised read-only

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.

guide_uk input schema
{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "query": {
      "type": "string",
      "description": "The question or keywords, e.g. \"Home Report Scotland\", \"Lifetime ISA\"."
    }
  }
}
guide_uk annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
check_professional_uk — Who regulates a UK property professional, and where to check one
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Advertised read-only

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 Society, RICS, redress schemes). Payotte lists one selected firm per trade in 20 UK areas (payotte.com/uk/areas).

check_professional_uk input schema
{
  "type": "object",
  "required": [
    "trade"
  ],
  "properties": {
    "trade": {
      "type": "string",
      "description": "estate agent, mortgage adviser, conveyancer, surveyor or valuer."
    }
  }
}
check_professional_uk annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
purchase_duty_au — Australian transfer (stamp) duty on a home, by state
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Advertised read-only

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, foreign buyer (surcharge and FIRB fee) and new home options, plus land titles registration fees. Rates as on payotte.com/australia; warnings list every assumption and any upper-limit figure.

purchase_duty_au input schema
{
  "type": "object",
  "required": [
    "price",
    "state"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Purchase price in Australian dollars."
    },
    "state": {
      "type": "string",
      "description": "NSW, VIC, QLD, WA, SA, TAS, ACT or NT (or the full name)."
    },
    "new_home": {
      "type": "boolean",
      "description": "New dwelling or vacant land (QLD first home concession, FIRB fee scale)."
    },
    "foreign_buyer": {
      "type": "boolean",
      "description": "Foreign buyer under state law: surcharge and FIRB fee added, concessions not applied."
    },
    "first_home_buyer": {
      "type": "boolean",
      "description": "Eligible for the state first home buyer exemption or concession."
    },
    "principal_residence": {
      "type": "boolean",
      "description": "The home will be the principal place of residence."
    },
    "include_mortgage_registration": {
      "type": "boolean",
      "description": "Add the mortgage registration fee."
    }
  }
}
purchase_duty_au annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
house_prices_au — Australian dwelling prices (ABS)
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Advertised read-only

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 sold. The price_type field says which; the two are not comparable.

house_prices_au input schema
{
  "type": "object",
  "properties": {
    "area": {
      "type": "string",
      "description": "e.g. \"Victoria\", \"Sydney\", \"Rest of Queensland\". Empty = Australia (mean dwelling price)."
    }
  }
}
house_prices_au annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_states_au — Australian property rules compared across the states
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 bonds, vendor disclosure), from Payotte's guides and their official sources.

compare_states_au input schema
{
  "type": "object",
  "required": [
    "topic"
  ],
  "properties": {
    "topic": {
      "enum": [
        "cooling-off-period",
        "first-home-buyer-concessions",
        "first-home-owner-grant",
        "foreign-purchaser-surcharge",
        "land-tax",
        "purchase-duty",
        "rental-bonds",
        "vendor-disclosure"
      ],
      "type": "string",
      "description": "Topic of the table."
    }
  }
}
compare_states_au annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
guide_au — Payotte Australia guides: buying, renting and owning a home
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Advertised read-only

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.

guide_au input schema
{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "query": {
      "type": "string",
      "description": "The question or keywords, e.g. \"cooling-off period\", \"FIRB foreign buyer\"."
    }
  }
}
guide_au annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
check_professional_au — Who regulates an Australian property professional, and where to check one
Advertised by the server during the last successful anonymous check.
Advertised read-only

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. Payotte lists no Australian professional yet.

check_professional_au input schema
{
  "type": "object",
  "required": [
    "trade"
  ],
  "properties": {
    "trade": {
      "type": "string",
      "description": "real estate agent, mortgage broker, conveyancer, building inspector or property valuer."
    }
  }
}
check_professional_au annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
stamp_duty_in — Indian stamp duty and registration on a home, by state
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Advertised read-only

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, Rajasthan, Maharashtra), on the higher of the price and the reference value, with women buyer rates and the Mumbai metro surcharge. Other states (Delhi, Karnataka, Tamil Nadu…) return "not computed" with no figure.

stamp_duty_in input schema
{
  "type": "object",
  "required": [
    "price",
    "state"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Price in rupees (₹50 lakh = 5000000)."
    },
    "state": {
      "type": "string",
      "description": "State or union territory (name, ISO code like KL, or a covered city like Mumbai)."
    },
    "mumbai": {
      "type": "boolean",
      "description": "Maharashtra only: property in Mumbai (BMC), 1% metro surcharge."
    },
    "woman_buyer": {
      "type": "boolean",
      "description": "Woman buyer (reduced rate where the state text provides one)."
    },
    "reference_value": {
      "type": "number",
      "description": "State reference value (guidance value, circle rate…) in rupees, if known."
    },
    "maharashtra_area": {
      "enum": [
        "corporation",
        "council",
        "gram-panchayat"
      ],
      "type": "string",
      "description": "Maharashtra only: Municipal Corporation, Municipal Council/Nagar Panchayat/MMR rural, or Gram Panchayat area."
    }
  }
}
stamp_duty_in annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
home_loan_emi_in — Indian home loan EMI
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Advertised read-only

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).

home_loan_emi_in input schema
{
  "type": "object",
  "required": [
    "loan_amount"
  ],
  "properties": {
    "loan_amount": {
      "type": "number",
      "description": "Loan in rupees."
    },
    "tenure_years": {
      "type": "number",
      "description": "Years (default 20)."
    },
    "interest_rate": {
      "type": "number",
      "description": "% a year (optional)."
    }
  }
}
home_loan_emi_in annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
house_prices_in — Indian house price indices (RBI, NHB RESIDEX)
Advertised by the server during the last successful anonymous check.
Advertised read-only

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.

house_prices_in input schema
{
  "type": "object",
  "properties": {
    "city": {
      "type": "string",
      "description": "e.g. \"Bengaluru\", \"Mumbai\". Empty = all-India indices."
    }
  }
}
house_prices_in annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_states_in — Indian property rules compared across the states
Advertised by the server during the last successful anonymous check.
Advertised read-only

INDIA. One rule compared across the states whose official rates Payotte read (purchase-duty, women-buyer-rates).

compare_states_in input schema
{
  "type": "object",
  "required": [
    "topic"
  ],
  "properties": {
    "topic": {
      "enum": [
        "purchase-duty",
        "women-buyer-rates"
      ],
      "type": "string",
      "description": "Topic of the table."
    }
  }
}
compare_states_in annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
guide_in — Payotte India guides: buying, NRIs, renting and owning a home
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Advertised read-only

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 date and URL.

guide_in input schema
{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "query": {
      "type": "string",
      "description": "The question or keywords, e.g. \"NRI repatriation\", \"TDS on property purchase\"."
    }
  }
}
guide_in annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
check_professional_in — Who regulates an Indian property professional, and where to check one
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 registration. Payotte lists no Indian professional yet and never lists lawyers.

check_professional_in input schema
{
  "type": "object",
  "required": [
    "trade"
  ],
  "properties": {
    "trade": {
      "type": "string",
      "description": "real estate agent, registered valuer, architect, home loan lender or property lawyer."
    }
  }
}
check_professional_in annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
purchase_costs_br — Brazilian home purchase costs: ITBI, notary deed, registration
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Advertised read-only

BRAZIL. Computes the municipal ITBI transfer tax (general rate read in the law of 41 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.

purchase_costs_br input schema
{
  "type": "object",
  "required": [
    "price",
    "city"
  ],
  "properties": {
    "city": {
      "type": "string",
      "description": "City, e.g. \"Rio de Janeiro\", \"Florianópolis\", \"Salvador\"."
    },
    "price": {
      "type": "number",
      "description": "Price in reais (e.g. 500000)."
    },
    "reference_value": {
      "type": "number",
      "description": "City reference value in reais, if higher than the price."
    }
  }
}
purchase_costs_br annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
mortgage_payment_br — Brazilian mortgage payment, SAC and Price
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Advertised read-only

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 (latest month).

mortgage_payment_br input schema
{
  "type": "object",
  "required": [
    "loan_amount"
  ],
  "properties": {
    "term_years": {
      "type": "number",
      "description": "Years (default 30)."
    },
    "loan_amount": {
      "type": "number",
      "description": "Loan in reais."
    },
    "interest_rate": {
      "type": "number",
      "description": "% a year, effective (optional)."
    }
  }
}
mortgage_payment_br annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
capital_gains_tax_br — Brazilian capital gains tax on selling a home
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Advertised read-only

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, tax as an upper limit before the FR1/FR2 reduction factors. Purchases before 1996 not computed.

capital_gains_tax_br input schema
{
  "type": "object",
  "required": [
    "sale_price",
    "purchase_cost",
    "purchase_year"
  ],
  "properties": {
    "seller": {
      "enum": [
        "non-resident",
        "non-resident-listed-jurisdiction",
        "resident"
      ],
      "type": "string"
    },
    "reinvested": {
      "type": "number",
      "description": "Resident: amount reinvested in a home in Brazil within 180 days."
    },
    "sale_price": {
      "type": "number"
    },
    "only_property": {
      "type": "boolean",
      "description": "Resident: only property owned, no sale in five years."
    },
    "purchase_cost": {
      "type": "number",
      "description": "Documented cost in reais."
    },
    "purchase_year": {
      "type": "number"
    }
  }
}
capital_gains_tax_br annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_states_br — Brazilian property costs and figures compared across the states
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Advertised read-only

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.

compare_states_br input schema
{
  "type": "object",
  "required": [
    "topic"
  ],
  "properties": {
    "topic": {
      "enum": [
        "construction-cost-per-m2",
        "itbi-state-capitals",
        "median-value-financed-homes",
        "notary-and-registry-fees",
        "purchase-costs-capitals",
        "rented-homes-share"
      ],
      "type": "string",
      "description": "Topic of the table."
    }
  }
}
compare_states_br annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
guide_br — Payotte Brazil guides: foreign buyers, buying, financing, selling, renting, owning
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Advertised read-only

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 returns its short answer, check date and URL.

guide_br input schema
{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "query": {
      "type": "string",
      "description": "The question or keywords, e.g. \"CPF foreigner\", \"terrenos de marinha\"."
    }
  }
}
guide_br annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
check_professional_br — Who regulates a Brazilian property professional, and where to check one
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Advertised read-only

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 registration. Payotte lists no Brazilian professional yet, and never lists lawyers or lenders.

check_professional_br input schema
{
  "type": "object",
  "required": [
    "trade"
  ],
  "properties": {
    "trade": {
      "type": "string",
      "description": "real estate broker, property appraiser, architect or engineer, mortgage lender, property lawyer."
    }
  }
}
check_professional_br annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
closing_costs_mx — Mexican property acquisition tax and recording fee, by municipality
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Advertised read-only

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 municipalities (Cancún, Playa del Carmen, Tulum, Puerto Vallarta, Bahía de Banderas, Los Cabos, La Paz, Mazatlán, San Miguel de Allende, Mérida, Guadalajara, Querétaro, Tijuana…). Base = the higher of the price and the appraisal or cadastral value. Others return "not computed" with no figure. Notary fees are not computed.

closing_costs_mx input schema
{
  "type": "object",
  "required": [
    "price",
    "municipality"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Price in Mexican pesos (MX$3 million = 3000000)."
    },
    "municipality": {
      "type": "string",
      "description": "Municipality or locality, e.g. \"Cancún\", \"Nuevo Vallarta\", \"Cabo San Lucas\", \"San Miguel de Allende\"."
    },
    "appraisal_or_cadastral_value": {
      "type": "number",
      "description": "Appraisal or cadastral value in MXN, if higher than the price."
    }
  }
}
closing_costs_mx annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
mortgage_payment_mx — Mexican fixed-rate mortgage payment
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 target rate.

mortgage_payment_mx input schema
{
  "type": "object",
  "required": [
    "loan_amount"
  ],
  "properties": {
    "term_years": {
      "type": "number",
      "description": "Years (default 20)."
    },
    "loan_amount": {
      "type": "number",
      "description": "Loan in MXN."
    },
    "interest_rate": {
      "type": "number",
      "description": "% a year (optional)."
    }
  }
}
mortgage_payment_mx annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
home_prices_mx — Mexican home appraisal values and price index (SHF)
Advertised by the server during the last successful anonymous check.
Advertised read-only

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. Prices in pesos exist by state only.

home_prices_mx input schema
{
  "type": "object",
  "properties": {
    "place": {
      "type": "string",
      "description": "A Mexican state or municipality, e.g. \"Quintana Roo\", \"Mérida\". Empty = national."
    }
  }
}
home_prices_mx annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_states_mx — Mexican property rules and figures compared across the states
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Advertised read-only

MEXICO. One rule or figure compared across the states: acquisition-tax, recording-fee, home-prices, price-change, home-loans, rented-homes, agent-licensing.

compare_states_mx input schema
{
  "type": "object",
  "required": [
    "topic"
  ],
  "properties": {
    "topic": {
      "enum": [
        "acquisition-tax",
        "agent-licensing",
        "home-loans",
        "home-prices",
        "price-change",
        "recording-fee",
        "rented-homes"
      ],
      "type": "string",
      "description": "Topic of the table."
    }
  }
}
compare_states_mx annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
guide_mx — Payotte Mexico guides: foreign buyers, buying, selling, renting
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Advertised read-only

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 home in Mexico, and returns its self-contained short answer, check date and URL.

guide_mx input schema
{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "query": {
      "type": "string",
      "description": "The question or keywords, e.g. \"fideicomiso permit cost\", \"selling as a non-resident\"."
    }
  }
}
guide_mx annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
check_professional_mx — Who regulates a Mexican property professional, and where to check one
Advertised by the server during the last successful anonymous check.
Advertised read-only

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): where the reader checks. Payotte lists no Mexican professional yet and never lists notaries or lawyers.

check_professional_mx input schema
{
  "type": "object",
  "required": [
    "trade"
  ],
  "properties": {
    "trade": {
      "type": "string",
      "description": "real estate agent, appraiser, mortgage lender, notary or real estate lawyer."
    }
  }
}
check_professional_mx annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
purchase_costs_es — Spanish purchase taxes and fees on a home, by region
Advertised by the server during the last successful anonymous check.
Advertised read-only

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, Ceuta and Melilla (official texts read), on the higher of the price and the Catastro reference value.

purchase_costs_es input schema
{
  "type": "object",
  "required": [
    "price",
    "region"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Price in euros."
    },
    "region": {
      "type": "string",
      "description": "Region (English or Spanish name) or a covered city (e.g. \"Marbella\", \"Andalucía\")."
    },
    "new_home": {
      "type": "boolean",
      "description": "New home bought from the developer (VAT + AJD) instead of a resale home (ITP)."
    },
    "reference_value": {
      "type": "number",
      "description": "Catastro reference value in euros, if known."
    }
  }
}
purchase_costs_es annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
mortgage_payment_es — Spanish mortgage monthly payment
Advertised by the server during the last successful anonymous check.
Advertised read-only

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.

mortgage_payment_es input schema
{
  "type": "object",
  "required": [
    "loan_amount"
  ],
  "properties": {
    "term_years": {
      "type": "number",
      "description": "Years (default 25)."
    },
    "loan_amount": {
      "type": "number",
      "description": "Loan in euros."
    },
    "interest_rate": {
      "type": "number",
      "description": "% a year (optional)."
    }
  }
}
mortgage_payment_es annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
non_resident_tax_es — Spanish non-resident tax on a home that is not let
Advertised by the server during the last successful anonymous check.
Advertised read-only

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).

non_resident_tax_es input schema
{
  "type": "object",
  "required": [
    "cadastral_value"
  ],
  "properties": {
    "share_pct": {
      "type": "number",
      "description": "Ownership share in % (default 100)."
    },
    "days_owned": {
      "type": "number",
      "description": "Days owned in the year (default 365)."
    },
    "values_revised": {
      "type": "boolean",
      "description": "Municipal cadastral values revised in the last ten years (1.1%)."
    },
    "cadastral_value": {
      "type": "number",
      "description": "Cadastral value in euros (IBI bill)."
    },
    "eu_eea_resident": {
      "type": "boolean",
      "description": "Resident of an EU/EEA state (19%); otherwise 24% (UK, Canada, USA…)."
    }
  }
}
non_resident_tax_es annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
house_prices_es — Spanish home values by city and region
Advertised by the server during the last successful anonymous check.
Advertised read-only

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.

house_prices_es input schema
{
  "type": "object",
  "properties": {
    "place": {
      "type": "string",
      "description": "City or region, e.g. \"Marbella\", \"Balearic Islands\". Empty = Spain."
    }
  }
}
house_prices_es annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_regions_es — Spanish property rules compared across the regions
Advertised by the server during the last successful anonymous check.
Advertised read-only

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.

compare_regions_es input schema
{
  "type": "object",
  "required": [
    "topic"
  ],
  "properties": {
    "topic": {
      "enum": [
        "agent-registers",
        "appraised-values",
        "house-price-index",
        "large-family-rates",
        "new-home-taxes",
        "purchase-tax",
        "stressed-market-areas",
        "young-buyer-rates"
      ],
      "type": "string",
      "description": "Topic of the table."
    }
  }
}
compare_regions_es annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
guide_es — Payotte Spain guides: buying as a foreigner, taxes, renting and owning
Advertised by the server during the last successful anonymous check.
Advertised read-only

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, and returns its short answer, check date and URL.

guide_es input schema
{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "query": {
      "type": "string",
      "description": "The question or keywords."
    }
  }
}
guide_es annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
check_professional_es — Who regulates a Spanish property professional, and where to check one
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 checks. Payotte lists no Spanish professional yet and never lists lawyers.

check_professional_es input schema
{
  "type": "object",
  "required": [
    "trade"
  ],
  "properties": {
    "trade": {
      "type": "string",
      "description": "real estate agent, property valuer, architect, mortgage lender or property lawyer."
    }
  }
}
check_professional_es annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
purchase_costs_de — German purchase costs on a home, by state
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 land charge for a loan and an agent commission the user gives.

purchase_costs_de input schema
{
  "type": "object",
  "required": [
    "price",
    "state"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Price in euros."
    },
    "state": {
      "type": "string",
      "description": "State (English or German name) or a covered city (e.g. \"Bayern\", \"Munich\")."
    },
    "loan_amount": {
      "type": "number",
      "description": "Loan secured by a land charge, in euros (optional)."
    },
    "agent_commission_pct": {
      "type": "number",
      "description": "Agent commission the buyer pays, % of the price (optional; no legal rate exists)."
    }
  }
}
purchase_costs_de annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
mortgage_payment_de — German mortgage monthly payment
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 fixation periods.

mortgage_payment_de input schema
{
  "type": "object",
  "required": [
    "loan_amount"
  ],
  "properties": {
    "term_years": {
      "type": "number",
      "description": "Years (default 30)."
    },
    "loan_amount": {
      "type": "number",
      "description": "Loan in euros."
    },
    "interest_rate": {
      "type": "number",
      "description": "% a year (optional)."
    }
  }
}
mortgage_payment_de annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
rents_de — German census rents and home ownership by city and state
Advertised by the server during the last successful anonymous check.
Advertised read-only

GERMANY. Average net cold rent per m², owner-occupation and vacancy rates at the 2022 census for the largest cities and the 16 states.

rents_de input schema
{
  "type": "object",
  "properties": {
    "place": {
      "type": "string",
      "description": "City or state, e.g. \"Leipzig\", \"Bavaria\". Empty = Germany."
    }
  }
}
rents_de annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_states_de — German property rules compared across the states
Advertised by the server during the last successful anonymous check.
Advertised read-only

GERMANY. One rule compared across the 16 states: purchase-tax, first-buyer-aid, property-tax-model, rents-and-ownership, land-value-data.

compare_states_de input schema
{
  "type": "object",
  "required": [
    "topic"
  ],
  "properties": {
    "topic": {
      "enum": [
        "first-buyer-aid",
        "land-value-data",
        "property-tax-model",
        "purchase-tax",
        "rents-and-ownership"
      ],
      "type": "string",
      "description": "Topic of the table."
    }
  }
}
compare_states_de annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
guide_de — Payotte Germany guides: buying as a foreigner, taxes, renting and owning
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 URL.

guide_de input schema
{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "query": {
      "type": "string",
      "description": "The question or keywords."
    }
  }
}
guide_de annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
check_professional_de — Who regulates a German property professional, and where to check one
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 office): where the reader checks. Payotte lists no German firm yet and never lists notaries.

check_professional_de input schema
{
  "type": "object",
  "required": [
    "trade"
  ],
  "properties": {
    "trade": {
      "type": "string",
      "description": "real estate agent, mortgage broker, property valuer, architect or notary."
    }
  }
}
check_professional_de annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
purchase_costs_it — Italian purchase taxes on a home
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 owner; VAT 10% (4% prima casa, 22% luxury A/1, A/8, A/9) plus €200 × 3 on a new build from a builder; optional substitute tax on the mortgage (0.25% / 2%) and an agent commission the user gives. The notary fee is never computed (no tariff).

purchase_costs_it input schema
{
  "type": "object",
  "required": [
    "price"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Price in euros."
    },
    "seller": {
      "type": "string",
      "description": "\"private\" (resale, default) or \"builder\" (new build sold with VAT)."
    },
    "first_home": {
      "type": "boolean",
      "description": "Prima casa relief (main home, conditions apply)."
    },
    "loan_amount": {
      "type": "number",
      "description": "Mortgage in euros (optional)."
    },
    "luxury_category": {
      "type": "boolean",
      "description": "Cadastral category A/1, A/8 or A/9 (excluded from the relief)."
    },
    "cadastral_income": {
      "type": "number",
      "description": "Rendita catastale in euros, to tax the cadastral value instead of the price (private seller only, optional)."
    },
    "agent_commission_pct": {
      "type": "number",
      "description": "Agent commission the buyer pays, % of the price (optional; no legal rate exists)."
    }
  }
}
purchase_costs_it annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
mortgage_payment_it — Italian mortgage monthly payment
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 the other fixation periods.

mortgage_payment_it input schema
{
  "type": "object",
  "required": [
    "loan_amount"
  ],
  "properties": {
    "term_years": {
      "type": "number",
      "description": "Years (default 25)."
    },
    "loan_amount": {
      "type": "number",
      "description": "Loan in euros."
    },
    "interest_rate": {
      "type": "number",
      "description": "% a year (optional)."
    }
  }
}
mortgage_payment_it annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
home_sales_it — Italian home sales by city and region
Advertised by the server during the last successful anonymous check.
Advertised read-only

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.

home_sales_it input schema
{
  "type": "object",
  "properties": {
    "place": {
      "type": "string",
      "description": "City or region, e.g. \"Bologna\", \"Tuscany\", \"Lombardia\". Empty = Italy."
    }
  }
}
home_sales_it annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_regions_it — Italian property market compared across the regions
Advertised by the server during the last successful anonymous check.
Advertised read-only

ITALY. One measure compared across the 20 regions (home-sales).

compare_regions_it input schema
{
  "type": "object",
  "required": [
    "topic"
  ],
  "properties": {
    "topic": {
      "enum": [
        "home-sales"
      ],
      "type": "string",
      "description": "Topic of the table."
    }
  }
}
compare_regions_it annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
guide_it — Payotte Italy guides: buying as a foreigner, taxes, renting and owning
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 date and URL.

guide_it input schema
{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "query": {
      "type": "string",
      "description": "The question or keywords."
    }
  }
}
guide_it annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
check_professional_it — Who regulates an Italian property professional, and where to check one
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 reader checks. Payotte lists no Italian firm yet and never lists notaries.

check_professional_it input schema
{
  "type": "object",
  "required": [
    "trade"
  ],
  "properties": {
    "trade": {
      "type": "string",
      "description": "real estate agent, mortgage broker, surveyor, architect or notary."
    }
  }
}
check_professional_it annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
purchase_costs_be — Belgian home purchase costs: registration duty, notary, other costs
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 fees from the legal tariff plus VAT, the estimated other costs, and optionally the mortgage deed. Same figures as the calculator on payotte.com/belgium/purchase-costs (FR: /belgique/frais-achat, NL: /belgie/aankoopkosten).

purchase_costs_be input schema
{
  "type": "object",
  "required": [
    "price"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Purchase price in euros."
    },
    "region": {
      "enum": [
        "Brussels-Capital",
        "Wallonia",
        "Flanders"
      ],
      "type": "string",
      "description": "Region of the home. Registration duties are regional. May be omitted if municipality is given."
    },
    "sole_home": {
      "type": "boolean",
      "description": "Sole and own home (you will live there and own no other home). Default true. False = normal rates."
    },
    "loan_amount": {
      "type": "number",
      "description": "Optional: mortgage amount in euros, to add the cost of the mortgage deed."
    },
    "municipality": {
      "type": "string",
      "description": "Optional: a municipality Payotte covers (e.g. \"Liège\", \"Gent\", \"Ixelles\"), used to find the Region when region is omitted."
    },
    "flemish_core_city": {
      "type": "boolean",
      "description": "Flanders only: the home is in a core city (centrumstad) or the Flemish Periphery (Vlaamse Rand). Default false."
    }
  }
}
purchase_costs_be annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
borrowing_capacity_be — Belgian borrowing capacity and maximum home price
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 share of income (default 33%) and the rate (default 3.5%) are example assumptions you can change. As on payotte.com/belgium/borrowing-capacity (FR: /belgique/capacite-emprunt, NL: /belgie/leencapaciteit).

borrowing_capacity_be input schema
{
  "type": "object",
  "required": [
    "net_monthly_income"
  ],
  "properties": {
    "years": {
      "type": "number",
      "description": "Loan term in years, 1 to 30 (default 25)."
    },
    "region": {
      "enum": [
        "Brussels-Capital",
        "Wallonia",
        "Flanders"
      ],
      "type": "string",
      "description": "Region of the home. Registration duties are regional. May be omitted if municipality is given."
    },
    "own_funds": {
      "type": "number",
      "description": "Own funds (savings) in euros (default 0)."
    },
    "sole_home": {
      "type": "boolean",
      "description": "Sole and own home (you will live there and own no other home). Default true. False = normal rates."
    },
    "municipality": {
      "type": "string",
      "description": "Optional: a municipality Payotte covers (e.g. \"Liège\", \"Gent\", \"Ixelles\"), used to find the Region when region is omitted."
    },
    "monthly_credits": {
      "type": "number",
      "description": "Other monthly credit repayments, in euros (default 0)."
    },
    "interest_rate_pct": {
      "type": "number",
      "description": "Annual interest rate in percent (default 3.5)."
    },
    "net_monthly_income": {
      "type": "number",
      "description": "Household net income per month, in euros."
    },
    "share_of_income_pct": {
      "type": "number",
      "description": "Share of that income going to the loan, in percent (default 33)."
    }
  }
}
borrowing_capacity_be annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
house_prices_be — Belgian house and apartment prices (Statbel medians)
Advertised by the server during the last successful anonymous check.
Advertised read-only

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, Wallonian and Flemish cities), a province or a Region. Statbel medians of recorded resale deeds (FPS Finance), no median under 16 sales.

house_prices_be input schema
{
  "type": "object",
  "required": [
    "area"
  ],
  "properties": {
    "area": {
      "type": "string",
      "description": "e.g. \"Liège\", \"Gent\", \"Ixelles\", \"Provincie Antwerpen\", \"Wallonia\". \"Brussels\" = the Region; \"Bruxelles\" = the City of Brussels."
    }
  }
}
house_prices_be annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_regions_be — Belgian purchase costs and prices compared across the three Regions
Advertised by the server during the last successful anonymous check.
Advertised read-only

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 apartment price (Statbel). Registration duties are regional; the notary tariff is federal.

compare_regions_be input schema
{
  "type": "object",
  "properties": {
    "price": {
      "type": "number",
      "description": "Purchase price in euros (default 300,000)."
    },
    "sole_home": {
      "type": "boolean",
      "description": "Sole and own home (you will live there and own no other home). Default true. False = normal rates."
    },
    "flemish_core_city": {
      "type": "boolean",
      "description": "Flanders only: the home is in a core city (centrumstad) or the Flemish Periphery (Vlaamse Rand). Default false."
    }
  }
}
compare_regions_be annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
guide_be — Payotte Belgium guides: buying, financing, selling, renting and owning (FR, NL, EN)
Advertised by the server during the last successful anonymous check.
Advertised read-only

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, check date and URL (and the same guide in the other languages when it exists). The page URL is returned for citation.

guide_be input schema
{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "query": {
      "type": "string",
      "description": "The question or keywords, e.g. \"registration duties Brussels\", \"droits d'enregistrement\", \"huurwaarborg\"."
    },
    "language": {
      "enum": [
        "en",
        "fr",
        "nl"
      ],
      "type": "string",
      "description": "Optional: restrict to one language. Omitted = search all three."
    }
  }
}
guide_be annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
check_professional_be — Who regulates a Belgian property professional, and where to check one
Advertised by the server during the last successful anonymous check.
Advertised read-only

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, FSMA, notaire.be, the surveyors' Order, the Walloon energy administration). Names no professional.

check_professional_be input schema
{
  "type": "object",
  "required": [
    "trade"
  ],
  "properties": {
    "trade": {
      "type": "string",
      "description": "estate agent, mortgage broker, notary, surveyor or EPB assessor (French and Dutch names accepted)."
    },
    "language": {
      "enum": [
        "en",
        "fr",
        "nl"
      ],
      "type": "string",
      "description": "Language of the page to return (default en)."
    }
  }
}
check_professional_be annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
aides_habitation — Aides et subventions à l'habitation au Canada / Canadian housing grants and rebates
Advertised by the server during the last successful anonymous check.
Advertised read-only

Call this when the user asks which grants, rebates, tax credits or loans they can get to BUY, RENOVATE, SAVE ENERGY, ADAPT a home (seniors, disability), lower PROPERTY TAXES, or BUILD/RENT housing anywhere in Canada. Returns the programs in force for a province (federal + provincial + energy utilities) and, when `ville` is given, that city's municipal programs: amount, status, key conditions, published stacking rule, official page and verification date. ~800 programs, each checked on the agency's official page within the last 30 days; a status the agency does not state is flagged as inferred. Payotte does not confirm eligibility — the user applies to the agency.

aides_habitation input schema
{
  "type": "object",
  "required": [
    "province"
  ],
  "properties": {
    "lang": {
      "enum": [
        "fr",
        "en"
      ],
      "type": "string",
      "description": "Language of the labels. Default fr."
    },
    "ville": {
      "type": "string",
      "description": "City, to add its municipal programs, e.g. \"Montréal\", \"Toronto\", \"Saskatoon\". Optional."
    },
    "projet": {
      "enum": [
        "acheter",
        "renover",
        "energie",
        "adapter",
        "taxes",
        "construire"
      ],
      "type": "string",
      "description": "acheter (buy), renover (renovate), energie (energy), adapter (accessibility/seniors), taxes (property taxes), construire (new construction/rental). Optional: all projects if omitted."
    },
    "province": {
      "type": "string",
      "description": "Province or territory, e.g. \"Québec\", \"ON\", \"British Columbia\". Required."
    },
    "inclure_fermees": {
      "type": "boolean",
      "description": "Also return programs that are closed. Default false."
    }
  }
}
aides_habitation annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

90-day uptime

A lightweight connection check about every six hours, sampled on hosts with many listings. It shows the server answered, not that its tools work.

Too few checks for a percentage yet (1 of 1 answered).

  1. 2026-11-07: 1 of 1 checks answered

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks
1 of 1 (100%)
Average latency
877 ms
95th percentile latency
877 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

  • · probe · passed · 877 ms · metadata changed · 89 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.
Claude Code configuration
claude mcp add --transport http payotte-mcp https://payotte-mcp.payotte.workers.dev/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).
Codex configuration
codex mcp add payotte-mcp --url https://payotte-mcp.payotte.workers.dev/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable payotte-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "payotte-mcp": {
      "url": "https://payotte-mcp.payotte.workers.dev/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "payotte-mcp": {
      "type": "streamableHttp",
      "url": "https://payotte-mcp.payotte.workers.dev/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start payotte-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "payotte-mcp": {
      "type": "http",
      "url": "https://payotte-mcp.payotte.workers.dev/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.
Gemini CLI configuration
gemini mcp add --transport http payotte-mcp https://payotte-mcp.payotte.workers.dev/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.
Claude Desktop configuration
https://payotte-mcp.payotte.workers.dev/mcp

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.
Windsurf configuration
{
  "mcpServers": {
    "payotte-mcp": {
      "serverUrl": "https://payotte-mcp.payotte.workers.dev/mcp"
    }
  }
}

Let your agent find its tools

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