Ratehub Mortgage

What the Ratehub Mortgage connector does

The Ratehub Mortgage MCP server brings published Canadian mortgage rates into Claude, ChatGPT and any MCP-compatible agent. It exposes four read-only tools, one for each borrower situation: buying a home, refinancing, renewing, and opening a home equity line of credit. No sign-in, no account, and nothing is applied for — the connector reads Ratehub's rate tables and returns them.

Ratehub Mortgage tools (4)

• get_heloc_ratesRead-only

  Use this to fetch HELOC (Home Equity Line of Credit) mortgage rates from Ratehub based on the information provided by the user. Use this when the user wants to take a line of credit against the equity in their home. Do not call this tool if it is not clear that the user is looking for mortgage rates (e.g. if they only say "rates" or "interest rates"). Do not provide your own default values for any inputs. If the user provides a value, use that. Otherwise, prompt the user for the value if it is required, or use the default value in the schema if it is optional. Do not prompt the user for an optional value. All monetary values should be in Canadian dollars, do not allow USD or any other currency. Location (city/province) is NOT required. If it is not provided by the user, default to Ontario instead of prompting the user for it. Do not include any URLs in the response messaging about the rates.

• get_purchase_ratesRead-only

  Use this to fetch mortgage rates from Ratehub based on the information provided by the user. Use this when the user has purchased a home or when the user does not specify the kind of mortgage transaction. Do not call this tool if it is not clear that the user is looking for mortgage rates (e.g. if they only say "rates" or "interest rates"). Do not provide your own default values for any inputs. If the user provides a value, use that. Otherwise, prompt the user for the value if it is required, or use the default value in the schema if it is optional. Do not prompt the user for an optional value. All monetary values should be in Canadian dollars, do not allow USD or any other currency. Location (city/province) is NOT required. If it is not provided by the user, default to Ontario instead of prompting the user for it. Do not include any URLs in the response messaging about the rates.

• get_refinance_ratesRead-only

  Use this to fetch refinance mortgage rates from Ratehub based on the information provided by the user. Use this when the user wants to break and replace their existing mortgage. Do not call this tool if it is not clear that the user is looking for mortgage rates (e.g. if they only say "rates" or "interest rates"). Do not provide your own default values for any inputs. If the user provides a value, use that. Otherwise, prompt the user for the value if it is required, or use the default value in the schema if it is optional. Do not prompt the user for an optional value. All monetary values should be in Canadian dollars, do not allow USD or any other currency. Location (city/province) is NOT required. If it is not provided by the user, default to Ontario instead of prompting the user for it. Do not include any URLs in the response messaging about the rates.

• get_renewal_ratesRead-only

  Use this to fetch renewal mortgage rates from Ratehub based on the information provided by the user. Use this when the user wants to renew or extend their existing mortgage. Do not call this tool if it is not clear that the user is looking for mortgage rates (e.g. if they only say "rates" or "interest rates"). Do not provide your own default values for any inputs. If the user provides a value, use that. Otherwise, prompt the user for the value if it is required, or use the default value in the schema if it is optional. Do not prompt the user for an optional value. All monetary values should be in Canadian dollars, do not allow USD or any other currency. Location (city/province) is NOT required. If it is not provided by the user, default to Ontario instead of prompting the user for it. Do not include any URLs in the response messaging about the rates.

Read from the server on 2026-09-08, including each tool's own safety annotations.

Limits

• Ratehub's own disclaimer applies to this data. Ratehub states that the content on its site is "for information only; it is not meant to be relied on or used in lieu of advice from a professional". The connector returns that same rate data, so the same limit holds inside a conversation.
• Ratehub is paid by lenders. Its rate pages disclose that financial institutions pay Ratehub for connecting them with customers, including for advertisements, clicks and applications. That commercial relationship sits behind the rates the connector returns.
• Rates are not a quote and not an approval. The tools return published rates for the inputs you give. Nothing checks your income, credit or eligibility, and no lender has seen your request.
• Rates change and the documentation states no update cadence. The OpenAPI specification describes the response but does not say how often the underlying rates refresh. Ratehub's public rate table stamps its own figures with an "As of" date and time instead. Treat any rate as current at the moment you asked, not as a fixed number.
• Canada only. Thirteen province and territory codes, Canadian dollars enforced. There is no parameter for any other country.
• No historical or forecast data. All four tools return current published rates. There is no tool for rate history, rate trends or projections.
• Down payment floor of 5 percent. downPaymentPercent will not accept a value below 0.05, so scenarios under Canada's minimum cannot be modelled.
• Errors are undifferentiated. The documented failure response is a single HTTP 500 returning plain text. There is no published error-code table to distinguish a bad input from an outage.

Frequently asked questions

Sources

• Ratehub "Claude App — Mortgages" OpenAPI specification, version 1.0.1, served at the connector's documentation URL (retrieved 2026-09-08). The page is a Swagger UI shell; the specification itself is embedded in that page's swagger-ui-init.js asset, which is what was read. · retrieved 2026-09-08
• Ratehub best mortgage rates page, for the vendor's own disclaimer and paid-placement disclosure (retrieved 2026-09-08) · retrieved 2026-09-08
• Live tools/list handshake against https://api.ratehub.ca/claude-app/mortgages/mcp — 4 tools, anonymous, no credentials (2026-09-08) · retrieved 2026-09-08
• Anthropic Connectors Directory entry (retrieved 2026-09-08) · retrieved 2026-09-08
• Ratehub support — · Privacy