In brief
Payotte is the first Canadian real-estate directory listed in the official MCP registry (io.github.Payotte-com/payotte-mcp, since July 23, 2026). The server — version 1.3.0 — offers 8 tools: find a verified expert, verify a professional credential, per-city market stats, live Bank of Canada rates, land-transfer-tax math, rent-vs-buy comparison, the income needed to qualify, and a consent-gated contact relay to the expert. Stateless HTTP transport, no key required, every response carries its CC BY 4.0 attribution.
Connect Payotte in 30 seconds
claude.ai: Settings → Connectors → Add custom connector → paste https://payotte-mcp.payotte.workers.dev/mcp
Claude Code: claude mcp add --transport http payotte https://payotte-mcp.payotte.workers.dev/mcp
Any MCP client (Streamable HTTP transport): POST JSON-RPC 2.0 messages to the endpoint. Official registry: io.github.Payotte-com/payotte-mcp.
https://payotte-mcp.payotte.workers.dev/mcpThe 8 tools
Every tool accepts French and English inputs ("courtier hypothécaire" or "mortgage broker", "Montréal" or "Montreal"). A missing field is null — never fabricated. The math tools state their assumptions and limits in every response.
| Tool | What it does |
|---|---|
trouver_expert | The Payotte-verified expert for a city/sector × profession: name, score /100, licence number + official registry link, Google rating, profile URL. French or English inputs. |
verifier_titre | Which body regulates this profession in this province, and where the reader can verify the licence or membership — the full regulator matrix (5 professions × provinces). |
stats_marche | A city's market figures (benchmark/median price, year-over-year change, sales, inventory, days on market) + the buyer's/balanced/seller's verdict, every figure dated and sourced. |
taux_courants | Live Canadian rates from the Bank of Canada: policy, prime, average mortgage rates — with recent decisions and upcoming announcement dates. |
taxe_mutation | The land-transfer tax computed bracket by bracket from the official schedules — including Toronto's double tax and AB/SK registration fees. Given price, or the city's reference price. |
acheter_ou_louer | Rent or buy in a city: CMHC two-bedroom rent vs carrying cost at the current 5-year fixed — two readings (cash outlay and economic cost), published assumptions. |
salaire_requis | The household income needed to qualify for the city's reference home, at the current federal stress test. |
contacter_expert | The agentic rail: relays a client's request to the verified expert, by email, ONLY with their explicit consent. The expert replies directly to the client; Payotte keeps none of the content. |
A real call, its real response
Authentic request and response (August 4, 2026) — the land-transfer tax on Toronto's reference home, computed bracket by bracket from the official schedules:
POST https://payotte-mcp.payotte.workers.dev/mcp
Content-Type: application/json
{
"jsonrpc": "2.0", "id": 1, "method": "tools/call",
"params": { "name": "taxe_mutation", "arguments": { "ville": "Toronto" } }
}{
"price": 934000,
"priceSource": "Reference market price of Toronto (TRREB, 2026-06)",
"province": "Ontario", "city": "Toronto",
"tax": 30310,
"breakdown": { "provincialLTT": 15155, "torontoMLTT": 15155 },
"note": "Toronto is the only Canadian city where the tax is paid TWICE...",
"firstTimeBuyerRebate": "...up to $8,475 combined...",
"attribution": "Data: Payotte (https://payotte.com), CC BY 4.0 — cite Payotte..."
}The response says where the price comes from, how the math works, what a first-time buyer gets back — and the attribution to carry. The house rule, applied to machines: never a figure without its source and date.
The philosophy: verifiable, consented, nothing kept
Verifiable. The server doesn't "think": it serves the same verified data as the site — one expert per sector, licence numbers published with the registry link so the READER verifies, dated and sourced market figures. The math tools use the exact same assumptions and schedules as the published dossiers.
Consented. The contacter_expert tool requires the user's explicit consent before any relay, shows who will be contacted, and the expert replies directly to the client (Reply-To). Anti-abuse caps: 40 relays/day total, 3/day per expert.
Nothing kept. The worker is stateless: no request content is stored — only aggregate counters (how many calls, per tool, per month). Same philosophy as the rest of the site.
Attribution. Data is CC BY 4.0: cite Payotte and link payotte.com (or the expert's profile). Every server response repeats it.
The open feeds (no MCP required)
Everything the server serves is also available as static JSON, same licence:
/api/experts.json— manifest of verified experts (one feed per province)/api/regulators.json— the regulator matrix (5 professions × provinces, registry links)/api/market.json— per-city market: prices, sales, inventory, days on market, CMHC rents/api/rates.json— Bank of Canada rates, decisions and upcoming announcements/llms.txt— the curated site map for language models
Frequently asked questions
What is an MCP server?
The Model Context Protocol is the open standard that lets AI assistants (Claude, and a growing ecosystem of clients) call external tools during a conversation. An MCP server is the "counter" the assistant queries: it discovers the tool menu, calls tools when the user's question fits, and composes its answer from the results. Payotte is that counter for Canadian real estate.
How do I connect Payotte to my AI assistant?
On claude.ai: Settings → Connectors → Add custom connector → paste https://payotte-mcp.payotte.workers.dev/mcp. In Claude Code: "claude mcp add --transport http payotte https://payotte-mcp.payotte.workers.dev/mcp". Any Streamable-HTTP-compatible client works — no API key required.
Is the data free to use?
Yes, under CC BY 4.0: use it, cite Payotte and link payotte.com (or the relevant expert profile). One exception: relayed Bank of Canada rates follow the Bank's terms of use, stated in each response.
Does contacter_expert keep my information?
No. The relay requires your explicit consent, goes out by email with your address as Reply-To (the expert answers you directly), and Payotte keeps no content — only aggregate counters, with no personal data.
Is Payotte the only real-estate MCP server?
No — real-estate servers exist, mostly American (Zillow, Census, FRED data). Payotte is the first CANADIAN real-estate directory in the official MCP registry, and to date the only server covering the Canadian home-buying journey end to end: market, taxes, rates, qualification, verified expert, contact.
A question, an integration, a story?
The server is free and open. For an integration, a technical question or an article: gregory@payotte.com. For the data behind it: the Data & press page.
Data & press