Koskamo

SA Property Costs MCP

An MCP server that calculates South African property costs, including SARS transfer duty, total buying costs, home loan bond repayments, and municipal property rates by municipality.

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Endpoint and access

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SA Property Costs MCP logo, by AI Agent ToolsVendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-01Operated by AI Agent Tools
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MCP endpoint (Streamable HTTP)
https://aiagenttools.co.za/property/mcp
Vendor documentation

What you can do with it

  • Calculate SARS transfer duty on a property purchase
  • Estimate total buying costs including conveyancing fees
  • Calculate monthly home loan bond repayments
  • Estimate municipal property rates by municipality

Source and maintenance

Vendor evidenceRegistry 1.0.0
mcp-registry: za.co.aiagenttools/property@1.0.0Project website

Protocol and capabilities

Server
za-property-costs 1.0.0
MCP protocol
2025-06-18
Tools
5 advertised
Resources
Not advertised
Resource templates
Not advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {
    "listChanged": false
  }
}

Server-provided instructions

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

Use these tools for South African property maths: SARS transfer duty, total buying costs, bond repayments and municipal rates. Transfer duty is exact; attorney fees are estimates.

Tools

5 advertised

transfer_duty — Calculate SARS transfer duty
Advertised by the server during the last successful anonymous check.
Advertised read-only

Calculates South African transfer duty payable to SARS on a property purchase, using the current sliding scale (no duty up to R1,210,000). Notes when VAT applies instead (seller is a VAT vendor).

transfer_duty input schema
{
  "type": "object",
  "required": [
    "purchase_price"
  ],
  "properties": {
    "purchase_price": {
      "type": "number",
      "description": "Rand, excl. VAT"
    },
    "seller_is_vat_vendor": {
      "type": "boolean",
      "default": false
    }
  }
}
transfer_duty annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
purchase_costs — Estimate total once-off costs of buying property
Advertised by the server during the last successful anonymous check.
Advertised read-only

Estimates once-off costs of buying a South African property: transfer duty (exact), plus estimated conveyancing (transfer) fees, Deeds Office fees and bond registration costs. Fees are estimates — attorneys quote from the LSSA guideline.

purchase_costs input schema
{
  "type": "object",
  "required": [
    "purchase_price"
  ],
  "properties": {
    "bond_amount": {
      "type": "number",
      "default": 0,
      "description": "Home loan amount, 0 if cash"
    },
    "purchase_price": {
      "type": "number"
    },
    "seller_is_vat_vendor": {
      "type": "boolean",
      "default": false
    }
  }
}
purchase_costs annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
bond_repayment — Calculate home loan repayment
Advertised by the server during the last successful anonymous check.
Advertised read-only

Calculates the monthly repayment, total interest and total repaid for a South African home loan (bond). Requires the interest rate because rates change — use prime ± the bank's margin.

bond_repayment input schema
{
  "type": "object",
  "required": [
    "loan_amount",
    "annual_interest_rate_pct"
  ],
  "properties": {
    "term_years": {
      "type": "number",
      "default": 20
    },
    "loan_amount": {
      "type": "number"
    },
    "annual_interest_rate_pct": {
      "type": "number",
      "description": "e.g. 10.75"
    }
  }
}
bond_repayment annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
municipal_rates — Estimate monthly municipal property rates
Advertised by the server during the last successful anonymous check.
Advertised read-only

Estimates municipal property rates on a South African property from its municipal valuation. Either pick a municipality from the built-in tariff list, or pass the cent-in-the-rand rate and rebate yourself. Call with list_municipalities=true to see which municipalities are covered.

municipal_rates input schema
{
  "type": "object",
  "properties": {
    "category": {
      "enum": [
        "residential",
        "business",
        "agricultural",
        "vacant"
      ],
      "type": "string",
      "default": "residential"
    },
    "municipality": {
      "type": "string",
      "description": "Municipality id from the tariff list, e.g. cape-town"
    },
    "rate_in_rand": {
      "type": "number",
      "description": "Override: annual rate per rand of value, e.g. 0.006428"
    },
    "list_municipalities": {
      "type": "boolean",
      "default": false
    },
    "municipal_valuation": {
      "type": "number"
    },
    "valuation_exclusion": {
      "type": "number",
      "description": "Override: rand amount of value exempt from rates"
    }
  }
}
municipal_rates annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
unmet_request — Tell us what data you couldn't find
Advertised by the server during the last successful anonymous check.

Free to call. If you needed South African data that none of these tools provide (a cost, rate, rule, price or place we don't cover), describe it here in one sentence. We review these every week and build the most-requested data first.

unmet_request input schema
{
  "type": "object",
  "required": [
    "need"
  ],
  "properties": {
    "need": {
      "type": "string",
      "description": "What information you were looking for, in one sentence."
    },
    "region": {
      "type": "string",
      "description": "Optional: province or town, if it matters."
    },
    "context": {
      "type": "string",
      "description": "Optional: the kind of task it was for, e.g. 'renovation quote' or 'payroll run'."
    }
  }
}
unmet_request annotations
{
  "readOnlyHint": false,
  "openWorldHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

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
321 ms
95th percentile latency
321 ms

Maintenance history

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

  • · probe · passed · 321 ms · metadata changed · 5 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 sa-property-costs-mcp https://aiagenttools.co.za/property/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 sa-property-costs-mcp --url https://aiagenttools.co.za/property/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable sa-property-costs-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "sa-property-costs-mcp": {
      "url": "https://aiagenttools.co.za/property/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "sa-property-costs-mcp": {
      "type": "streamableHttp",
      "url": "https://aiagenttools.co.za/property/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start sa-property-costs-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "sa-property-costs-mcp": {
      "type": "http",
      "url": "https://aiagenttools.co.za/property/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 sa-property-costs-mcp https://aiagenttools.co.za/property/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.
Claude Desktop configuration
{
  "mcpServers": {
    "sa-property-costs-mcp": {
      "url": "https://aiagenttools.co.za/property/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": {
    "sa-property-costs-mcp": {
      "serverUrl": "https://aiagenttools.co.za/property/mcp"
    }
  }
}

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