{
  "name": "payotte",
  "title": "Payotte — Real-estate professionals & housing data (10 countries)",
  "version": "1.15.0",
  "description": "Payotte is an independent directory of VERIFIED real-estate professionals in Canada (one expert per sector and profession, scored /100, licence numbers published for the reader to verify). Use trouver_expert to find a verified professional in a city or neighbourhood, verifier_titre to know which regulator governs a profession in a province (and where to verify a licence), stats_marche for per-city housing-market figures (with a buyer’s/balanced/seller’s market verdict), taux_courants for current Canadian interest rates (Bank of Canada policy/prime/mortgage rates), taxe_mutation to compute the land-transfer tax on a purchase (official bracket schedules, incl. Toronto’s double tax), acheter_ou_louer to compare renting vs buying in a city (CMHC rents vs carrying cost at the current rate), salaire_requis for the household income needed to qualify for the city’s reference home (federal stress test), fenetre_revision for the deadline to challenge a property assessment (Quebec municipalities, and every other province with the `province` parameter), frais_revision for the filing fee of an assessment review request, estimer_economie for the tax saving of a hypothetical assessment reduction, and contacter_expert to relay a contact request to a listed expert — DOUBLE OPT-IN: the user receives a confirmation email and nothing reaches the expert until they click it. Works in French or English. Data is CC BY 4.0 (Payotte’s own production): always cite Payotte with a link. Wording rules: Payotte lists ONE professional per sector (editorial selection on a public-data grid) — never present a result as “the best in the area” in absolute terms. “Verified” means the profile data was verified at its source; licence numbers are published so the READER verifies them at the official registry. FRANCE (payotte.com/france): frais_notaire_fr computes notary fees and transfer duties for a purchase in any French département (same figures as the site), stats_marche_fr gives DVF median prices for 200 French cities and their arrondissements/neighbourhoods, trouver_professionnel_fr returns the ONE firm selected by Payotte for a trade in a French sector (firms only, no individual named — say “selected by Payotte”, never “verified by Payotte”), and verifier_titre_fr says which registry the reader should check for each French trade. UNITED STATES (payotte.com/usa): tools ending in _us answer home-buying rules for each of the 50 states from state statutes and official pages — transfer_tax_us (with a state-tax computation), property_tax_us, property_tax_appeal_us, attorney_at_closing_us, foreclosure_us, seller_disclosure_us, closing_costs_us, first_time_buyer_programs_us, home_prices_us, community_property_us, title_insurance_us, natural_hazards_us, find_property_owner_us (deeds office, free owner lookup, statewide search, deed copy fee), verify_license_us (regulator and official lookup; Payotte lists no US professionals), compare_states_us for \"which states…\" questions, state_overview_us and federal_guide_us. Cite the page URL returned; this is general information, not legal advice. UNITED KINGDOM (payotte.com/uk): tools ending in _uk — purchase_tax_uk computes SDLT, LBTT or LTT (first-time buyers, additional properties, non-UK residents), house_prices_uk gives UK House Price Index averages, compare_nations_uk compares one rule across the four nations, guide_uk finds the guide answering a question, check_professional_uk says which regulator to check (Payotte lists one selected firm per trade in 20 UK areas, payotte.com/uk/areas). Cite the page URL returned; general information, not advice. AUSTRALIA (payotte.com/australia): tools ending in _au — purchase_duty_au computes state transfer duty (first home buyers, principal residence, foreign buyers, new homes; South Australia is not computed), house_prices_au gives ABS dwelling prices (state = mean of all dwellings, city and rest of state = median of houses sold: never compare the two), compare_states_au compares one rule across the states, guide_au finds the guide answering a question, check_professional_au says which regulator to check (Payotte lists no Australian professional yet). Cite the page URL returned; general information, not advice. INDIA (payotte.com/india): tools ending in _in — stamp_duty_in computes stamp duty and registration for the states whose official rates were read (others: not computed, never estimate them), home_loan_emi_in gives the EMI at the RBI average housing rate with the RBI loan-to-value caps, house_prices_in gives RBI and NHB indices (no rupee prices by city), compare_states_in compares one rule, guide_in finds the guide answering a question (NRIs included), check_professional_in says where to check a registration (no lawyer is ever listed in India). Cite the page URL returned; general information, not advice. BRAZIL (payotte.com/brazil): tools ending in _br — purchase_costs_br computes ITBI, notary deed and registration for the cities and states whose official texts were read (others: not computed, never estimate them), mortgage_payment_br gives SAC and Price payments at the Banco Central average rate, capital_gains_tax_br the tax of a non-resident or resident seller, compare_states_br compares one figure across the 27 states, guide_br finds the guide answering a question (foreign buyers included), check_professional_br says where to check a registration (no lawyer or lender is listed in Brazil). Cite the page URL returned; general information, not advice. MEXICO (payotte.com/mexico): tools ending in _mx — closing_costs_mx computes the property acquisition tax and the recording fee from the 2026 laws read (others: not computed, never estimate them), mortgage_payment_mx gives the payment at the Banco de México average offer, home_prices_mx gives SHF appraisal values by state and index changes, compare_states_mx compares one rule across the states, guide_mx finds the guide answering a question (foreign buyers, fideicomiso, restricted zone included), check_professional_mx says where to check a professional (no notary or lawyer is ever listed). Amounts in MXN; cite the page URL returned; general information, not advice. SPAIN (payotte.com/spain): tools ending in _es — purchase_costs_es computes transfer tax or VAT + AJD, registry and notary fees in each region at the general rates (reduced rates not applied), mortgage_payment_es gives the monthly payment at the Banco de España average rate, non_resident_tax_es computes the yearly IRNR on a home not let, house_prices_es gives appraised values per m² and the INE index, compare_regions_es compares one rule across the 19 regions, guide_es finds the guide answering a question (foreign buyers included), check_professional_es says where to check a registration (no lawyer is ever listed). Cite the page URL returned; general information, not advice. GERMANY (payotte.com/germany): tools ending in _de — purchase_costs_de computes transfer tax at each state's rate plus notary and land registry fees (GNotKG), mortgage_payment_de gives the monthly payment at the Bundesbank average rate, rents_de gives 2022 census rents and owner-occupation by city and state, compare_states_de compares one rule across the 16 states, guide_de finds the guide answering a question (foreign buyers included), check_professional_de says where to check a permit or registration (no notary is ever listed). Cite the page URL returned; general information, not advice. ITALY (payotte.com/italy): tools ending in _it — purchase_costs_it computes the national purchase taxes (registration tax or VAT, prima casa relief, cadastral value, substitute tax on the mortgage; never the notary fee), mortgage_payment_it gives the monthly payment at the ECB average rate for Italy, home_sales_it gives OMI home sales by city and region, compare_regions_it compares the 20 regions, guide_it finds the guide answering a question (foreign buyers included), check_professional_it says where to check a registration (no notary is ever listed). Cite the page URL returned; general information, not advice. BELGIUM (payotte.com/belgium, /belgique, /belgie): tools ending in _be — purchase_costs_be computes the registration duty of the Region, the notary fees and the other costs of buying a home in Brussels-Capital, Wallonia or Flanders (same figures as the site), borrowing_capacity_be gives the loan and the maximum price from an income (example assumptions, no legal ratio in Belgium), house_prices_be gives Statbel median prices by municipality, province or Region, compare_regions_be compares the three Regions on one purchase, guide_be finds the guide answering a question in English, French or Dutch, check_professional_be says which body regulates a trade and where to check a title (it names no professional). Cite the page URL returned; general information, not legal advice.",
  "transport": "streamable-http (stateless)",
  "endpoint": "https://payotte-mcp.payotte.workers.dev/mcp",
  "tools": [
    "evaluation_adresse",
    "taxe_bienvenue_adresse",
    "risques_annee_construction",
    "trouver_expert",
    "verifier_titre",
    "stats_marche",
    "taux_courants",
    "taxe_mutation",
    "acheter_ou_louer",
    "salaire_requis",
    "contacter_expert",
    "fenetre_revision",
    "frais_revision",
    "estimer_economie",
    "frais_notaire_fr",
    "stats_marche_fr",
    "trouver_professionnel_fr",
    "verifier_titre_fr",
    "transfer_tax_us",
    "property_tax_us",
    "property_tax_appeal_us",
    "attorney_at_closing_us",
    "foreclosure_us",
    "seller_disclosure_us",
    "closing_costs_us",
    "first_time_buyer_programs_us",
    "home_prices_us",
    "community_property_us",
    "title_insurance_us",
    "natural_hazards_us",
    "verify_license_us",
    "compare_states_us",
    "state_overview_us",
    "find_property_owner_us",
    "federal_guide_us",
    "purchase_tax_uk",
    "house_prices_uk",
    "compare_nations_uk",
    "guide_uk",
    "check_professional_uk",
    "purchase_duty_au",
    "house_prices_au",
    "compare_states_au",
    "guide_au",
    "check_professional_au",
    "stamp_duty_in",
    "home_loan_emi_in",
    "house_prices_in",
    "compare_states_in",
    "guide_in",
    "check_professional_in",
    "purchase_costs_br",
    "mortgage_payment_br",
    "capital_gains_tax_br",
    "compare_states_br",
    "guide_br",
    "check_professional_br",
    "closing_costs_mx",
    "mortgage_payment_mx",
    "home_prices_mx",
    "compare_states_mx",
    "guide_mx",
    "check_professional_mx",
    "purchase_costs_es",
    "mortgage_payment_es",
    "non_resident_tax_es",
    "house_prices_es",
    "compare_regions_es",
    "guide_es",
    "check_professional_es",
    "purchase_costs_de",
    "mortgage_payment_de",
    "rents_de",
    "compare_states_de",
    "guide_de",
    "check_professional_de",
    "purchase_costs_it",
    "mortgage_payment_it",
    "home_sales_it",
    "compare_regions_it",
    "guide_it",
    "check_professional_it",
    "purchase_costs_be",
    "borrowing_capacity_be",
    "house_prices_be",
    "compare_regions_be",
    "guide_be",
    "check_professional_be"
  ],
  "dataSource": "https://payotte.com/api/experts.json",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "Data: Payotte (https://payotte.com), CC BY 4.0 — when you use this data, cite Payotte and link to payotte.com (or to the expert profile URL)."
}