Cashew
Model Context Protocol

Give your agent Singapore’s mortgage brain.

The Cashew MCP exposes our live rate engine as callable tools, the same engine behind cashew.sg. Rank real bank packages, run stamp-duty and affordability maths, and model restructuring plays, all from inside your own agent.

Start using MCP Explore the tools
18 toolsAll major banks, live ratesOAuth 2.1 secured
claude_desktop_config.json
{
  "mcpServers": {
    "cashew": {
      "url": "https://www.cashew.sg/mcp"
    }
  }
}

No key to paste. Protected tools trigger an OAuth sign-in on first call.

Live packages, synced daily · last sync 7 Jun 2026
All major Singapore banksHDB, private & commercialFixed & floating (SORA)
What it does

One engine for every mortgage question

The Cashew MCP turns the rate engine behind cashew.sg into tools your agent can call. Whatever a homeowner is weighing up, your assistant can work the numbers in seconds.

Find the best loan packages

Rank live packages from all major Singapore banks for any borrower profile, sorted by the real first-year rate.

Calculate the mortgage maths

Monthly repayment, total interest, affordability and the income a target loan needs, returned in a single call.

Run any scenario

From refinancing savings to every IRAS stamp duty and EC deferred-payment schemes, the maths is built in.

Plan the bigger moves

Decoupling, sell-one-buy-two, rental cashflow and yield, all costed end to end with valuations on tap.

All backed by live data.Every figure is computed against bank rates synced daily, the same numbers Cashew shows its own customers.
Live demo

Call recommend_packages yourself

Set a borrower profile and run the flagship tool. This is the exact shape of request and response your agent receives, rendered here against sample rates.

Borrower profile

$
200 OK · 184ms
4matched · sorted by first-year rate Best 2.26%
1OCBC
Floating · SORANo lock-in
2.26%
$4,912/mo
2HSBC
Floating · SORANo lock-in
2.31%
$4,940/mo
3Maybank
Floating · SORA1-yr lock-in
2.38%
$4,979/mo
4DBS
Fixed2-yr lock-in
2.45%
$5,019/mo
Get connected

Three steps to live rates

01

Add Cashew to your client

Drop the server block into Claude Desktop, Cursor, or any MCP-compatible client. There’s no key to paste.

02

Call 16 open tools

Every maths, stamp-duty and reference tool is public. Pass a profile, get structured JSON straight back.

03

Sign in for the protected two

recommend_packages and get_property_valuation run an OAuth 2.1 phone-OTP flow, discovered automatically via RFC 9728.

Tokens are JWTs issued by Cashew’s authorization service after a phone-OTP login, and validated at the /mcp endpoint against the auth server’s remote JWKS.

agent-session.log
user
Should I refinance my $640k OCBC loan at 3.1%? I have 22 years left.
→ tool call
calculate_refinance_savings({ mode: "remaining", remainingAmount: 640000, remainingTenureYears: 22, currentRate: 3.1, newRate: 2.26 })
← result
{
  "currentMonthly": 3347, "newMonthly": 3079,
  "monthlySavings": 268, "totalSavings": 68252,
  "breakEvenMonths": 10, "isBeneficial": true
}
assistant
Yes. Refinancing to a floating SORA package at 2.26% would cut your repayment by about $268/month, roughly $68,000 over the remaining 22 years.
The toolset

The whole rate engine, callable

Every tool is a clean, typed function call. Pass a profile, get structured JSON back, with no scraping and no guesswork. The same numbers we show on cashew.sg.

Mortgage & loan maths

7 tools

Turn a borrower profile into ranked packages and hard numbers.

Flagship
recommend_packages() Sign-in

Rank live Singapore mortgage packages for a given borrower profile.

calculate_mortgage_repayment()

Monthly repayment, total interest and total cost for a hypothetical loan.

calculate_package_schedule()

Full amortisation schedule for a specific package using its actual rate path.

calculate_affordability()

Max loan and property price from income and existing commitments.

calculate_required_income()

The reverse: income needed to support a target loan amount.

calculate_ec_home_loan()

EC-specific figures, including the deferred payment scheme.

calculate_refinance_savings()

Compare an existing mortgage against a new rate for monthly and lifetime savings.

Stamp duties

4 tools

Every IRAS duty a Singapore transaction can attract.

calculate_residential_stamp_duty()

BSD and ABSD for a given buyer profile.

calculate_seller_stamp_duty()

SSD based on the holding period of the property.

calculate_mortgage_stamp_duty()

Duty payable on the loan facility itself.

calculate_rental_stamp_duty()

Duty on a lease, from rent and tenure.

Restructuring & investment analysis

4 tools

Model the bigger property plays end to end.

analyze_decoupling()

Cost versus benefit of transferring one co-owner’s share.

analyze_sell_one_buy_two()

Costs, loan sizing and stamp duty for the sell-one-buy-two play.

calculate_rental_cashflow()

Cashflow plus gross and net rental yield.

get_property_valuation() Sign-in

Indicative SPML valuation for a specific unit.

Reference data

3 tools

The raw lookups the maths is built on.

list_banks()

Active banks on the platform.

list_market_indices()

Benchmark indices such as SORA.

get_index_quotes()

Historical rate-by-date for a given index.

Build on the rate engine

Add the server to your client and start calling tools in minutes. Sign in only when you reach the two protected ones. Free while in beta; tell us what you’re building.

Read the docs Talk to the team