Open Financial Mortgage Options — Powered by Clara
Open Financial Inc. | FSRA Mortgage Brokerage Licence #13362
MCP integration documentation | Version 2026-10-25-v1

Connection
POST /mcp/open on this origin needs no key or sign-in. It offers the read-only
tools below. Platforms given a connector API key use POST /mcp
with Authorization: Bearer <connector API key>; a missing or wrong key is rejected.
Stateless MCP Streamable HTTP with JSON responses.
Use initialize, notifications/initialized, tools/list, tools/call and ping.
Send Content-Type: application/json and Accept: application/json, text/event-stream.
Never put credentials in URLs, chat messages or submission notes. GET and DELETE
return 405 on both paths; there is no persistent session or consumer sign-in.
No consumer Clara account, paid plan, payments or model API key is required.

Tools
- analyze_mortgage_scenario: approximate scenario -> metrics, missing information,
  unranked financing categories, assumptions and caveats; no lead.
- estimate_home_equity: same central calculation, including equity and combined LTV.
- get_financing_options: same analysis and broad categories, never lender offers.
- search_published_mortgage_rates: directory filters -> published Ontario rate
  records from Open Mortgage Rates (https://openmortgagerates.ca), each in the
  lender's own wording with conditions, check date and source link. Filters only;
  no names, contact details or dollar amounts. Not a quote, offer or recommendation.
- get_open_financial_broker_help: no input -> the link to Open Financial's own
  intake form and its contact details. Collects and sends nothing.

Call tools/list for the authoritative strict JSON input schemas. Unknown fields
are rejected. Scenario fields: province, city, propertyType, estimatedPropertyValue,
existingMortgageBalances, requestedAdditionalAmount, purpose, employmentType,
householdIncomeRange, selfReportedCreditRange, timing and renewalMonth.
Use approximate user-supplied CAD amounts and the enum values in tools/list.
Missing values are unknown; use existingMortgageBalances=[0] only after the user
confirms no secured debt. requestedAdditionalAmount is NEW cash beyond existing
secured debt. Ontario only; no commercial, construction or document workflows.

Synthetic example for any analysis tool:
{"province":"ON","propertyType":"detached","estimatedPropertyValue":800000,"existingMortgageBalances":[400000,50000],"requestedAdditionalAmount":75000,"purpose":"debt_consolidation"}
Expected equity: CAD 350,000; current combined LTV: 0.5625; proposed: 0.6563.
These are preliminary calculations before costs, not approved borrowing limits.

Broker help
Explain anonymous processing and link /privacy before analysis. This service has
no tool that accepts a name, email address or phone number. When the user asks for
a broker, give them the get_open_financial_broker_help link; they enter their own
details on openfinancial.ca. Never collect SIN, DOB, ID, bank details, documents,
bureau scores or credit reports.

Errors and retries
HTTP: disabled=404, missing/wrong key on /mcp=401, body too large=413, rate limit=429.
Limits: 16 KiB request body, 120 requests/minute per instance for each of keyed,
open and other traffic, at most 8 open requests at once, 10-second upstream operation timeout. Honor Retry-After. Tool errors use isError and a safe status.
When published rates are unavailable, say so; never substitute an estimated rate.
Operational logs contain fixed tool/outcome labels and timing/status, plus anonymous
usage labels: the menu choices used (such as mortgage type, term, property type or
purpose), a coarse loan-to-value band and whether a search found anything. They never
contain dollar amounts, free text, contacts, consent tokens, credentials or raw results.
Logs are kept for 30 days and then deleted automatically.

Preliminary scenario analysis only. Based on the information provided, these financing structures may be worth exploring. Actual eligibility, rates and terms depend on lender review and the full application. This is not a mortgage approval, commitment or guaranteed offer.
Public notices: /privacy, /terms, /support. Technical problems and privacy requests: support@openfinancial.ca.
Mortgage enquiries: mortgages@openfinancial.ca.