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Mortgage Tools by Jenny is a free remote MCP server that lets ChatGPT, Claude and other AI assistants run Canadian mortgage comparisons from the figures a user supplies. It compares two or three renewal offers over a common horizon, models extra payments and lump sums, weighs breaking a mortgage against keeping it, and tests whether consolidating debt into a mortgage actually costs less. If key numbers are missing, a diagnostic tool lists what to ask first. Nine short preparation guides cover re