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pragmatic.Mortgage lending
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Your assistant. Our mortgage tools.

Better mortgage questions. Clearer answers.

Give your AI assistant the same rates and calculator engine you use here. Explore the payment, the cost over your term, and what happens if things change.

One request. A useful comparison.

Published rates, monthly payments, insurance estimates, interest over the term and remaining balances together.

25 calculators. Shared math.

Explore affordability, renewal, refinancing, closing costs and prepayments. Compare up to eight calculator scenarios in one request.

Sources you can check.

Results include source links and assumptions. Rate comparisons show retrieval and catalog update times. Public tools need no account or API key.

Try the actual agent tool

See what your assistant sees.

Change the example below. This calls our published rate catalog and mortgage calculators, returning a comparison you can inspect.

BC · Owner-occupied purchase · Monthly payments

Bring your favourite assistant.

For an assistant with web access, start by sharing this page and the prompt below. Compatible browser agents can discover our WebMCP tools while visiting. Assistants with remote MCP support can connect directly for structured results.

Use https://pragmatic.mortgage/ai-agents to compare a $750,000 BC home with $150,000 down, 25-year amortization and a 5-year term. Show published rates, monthly payments, interest over the term and remaining balances. Cite sources and explain fees, penalties and assumptions. Do not submit an application.

Public MCP connection

https://pragmatic.mortgage/api/public/mcp

Transport: Streamable HTTP · Authentication: none · Public, read-only tools

ChatGPT

Where developer mode is available, enable it in Settings → Security and login. Open ChatGPT Plugins, select the plus button and add the MCP URL above. Choose no authentication, create the connection, and select it in your conversation.

Official connection guide

Meta Muse & browser assistants

Give your assistant this page and the example prompt. Its web tools can use the public pages and HTTP catalog. Native WebMCP execution depends on its browser. Meta’s published Muse introduction does not establish a custom MCP setup flow; we do not claim an automatic Muse integration.

About Meta Muse

OpenClaw & other MCP clients

Add this URL as a remote Streamable HTTP server in your client. In OpenClaw, register it with the command below, then probe the connection. Tool availability depends on the runtime you use.

OpenClaw MCP reference
openclaw mcp set pragmatic '{"url":"https://pragmatic.mortgage/api/public/mcp","transport":"streamable-http"}'
openclaw mcp probe pragmatic --json

Connection options depend on your assistant, plan and workspace settings. Publishing these tools makes them available; it does not automatically install them in every assistant or guarantee recommendations. WebMCP is an evolving browser API. Browser support details.

Built for decisions you can explain.

A low rate is one part of a mortgage. Ask your assistant to compare equal term lengths and check penalties, fees, prepayment privileges and portability. A rate increase scenario illustrates payment sensitivity; it is not a forecast or a qualification decision.

Calculations are educational estimates. Published rates are scenario examples, subject to lender review. Brokerage services are available in British Columbia only. Use anonymous numbers; keep names, contact details and documents out of public tools.

Review your options with a licensed broker

For builders and curious people.

Prefer plain HTTP? Read the catalog, then POST a JSON object with tool and input to the same endpoint. All transports use the same public tool registry.

MCP clients can also read calculator schemas as resources and use the compare_mortgages prompt.