au.com.arthr/mcp · v1.1.3 · location-and-travel
Arthr — Australian home loans is healthy: it completed an MCP handshake in 3545 ms and exposes 10 tools.
Real Australian lender serviceability, plus repayments, borrowing power and stamp duty.
Endpoint: https://www.arthr.com.au/api/mcp (streamable-http)
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| Users (last 30 days) | 0 |
| Handshake | Healthy |
| Auth needed | None |
| Tool count | 10 |
| Latency | 3545 ms |
| Last checked (UTC) | 2026-10-14T17:05:48.030Z |
| Checked (UTC) | Status | Latency | Error |
|---|---|---|---|
| 2026-10-14T17:05:48.030Z | Healthy | 3545 |
estimate_repayments | Estimate the monthly repayment, total repaid and total interest on an Australian principal-and-interest home loan. Use this when someone asks what a loan would cost them each month, or how much interest they'd pay over the life of a loan. Call it rather than working the repayment out yourself: the a |
estimate_borrowing_power | Estimate how much someone could borrow for an Australian home loan, based on household income, living expenses, credit card limits and existing debt repayments. Applies Australian resident income tax and the 3-percentage-point serviceability buffer lenders assess against (APRA guidance), over 30 yea |
estimate_refinance_savings | Compare an existing home loan rate against a lower one and estimate the monthly and whole-of-term saving. Use this when someone asks whether refinancing is worth it, or what dropping their rate would save them. Call it rather than multiplying the balance by the rate gap: that shortcut ignores the pr |
estimate_refinance_break_even | Work out how many months it takes for a refinance to pay for itself once switching costs are counted, and what the net saving is after them. Call this rather than estimate_refinance_savings when someone is deciding whether a switch is worth doing, not just how much a lower rate saves. Call it rather |
estimate_equity_and_lvr | Work out loan-to-value ratio, equity, and — the part that matters — how much of that equity is actually usable. Value minus balance is not what a borrower can borrow: lenders generally release to 80% of the property's value, so the usable figure is often far smaller than the raw one. Set situation=" |
estimate_stamp_duty | Estimate stamp (transfer) duty on an Australian residential property purchase, for any state or territory, including first-home and owner-occupier concessions. Duty scales differ in every jurisdiction and change at each state budget, so this is the tool to call rather than working duty out from memo |
lookup_discharge_process | Look up how to discharge a mortgage with a specific Australian lender — the name of the form, a link to it on the lender's own site, where the completed form is submitted, the lender-stated processing time, the discharge fee where the lender publishes one, and the phone number. This is the first ste |
check_servicing | Run a REAL serviceability calculation across a panel of Australian lenders and get back, per lender, how much they would lend, whether they would lend at all, the rate they'd assess at, and — where they decline — why. This is not an estimate: it is the same calculation a broker runs. Use it once you |
compare_rates | Lenders' advertised rates on arthr's panel for a loan of this size, at this loan-to-value band, purpose and repayment type, lowest first. Variable rates come with comparison rates where held; fixed terms of 1, 2, 3 or 5 years (principal and interest). Instant, from the panel's own tables, no account |
find_products | Home loan products from lenders on arthr's panel that have every feature asked for (offset, redraw, extra repayments, portable, no annual fee), priced at this loan's loan-to-value band, sorted by comparison rate. Each comes with its fees in dollars. Facts in a stated order, not a recommendation. Sig |