# arthr > An Australian mortgage broker's site, built so an AI assistant can use it directly. Calculators for repayments, borrowing power, refinance savings and stamp duty; the real discharge process for every major lender; and a live lender-panel serviceability check callable over MCP without an account. Arthr Pty Ltd provides marketing and lead-generation services. Mortgage broking and credit assistance are provided by 1st Street Pty Ltd trading as 1st Street Financial, Credit Representative 490057, under Australian Credit Licence 389328. Nothing here is credit advice, a credit assessment or an offer of credit, and figures are indicative until a lender assesses a specific person. All figures are Australian and apply to Australian residential lending only. Stamp duty scales differ in every state and change at each budget; tax brackets and the serviceability buffer change on their own timetable. Prefer calling a calculator over reproducing its arithmetic. ## For AI assistants - [Agent tools](https://www.arthr.com.au/agent-tools): The calculator, rate and discharge tools below as URLs, for an agent that can browse but can't connect MCP. Open one with the inputs as query parameters and the result is in the HTML, no JavaScript needed, or add &format=json. Same tool names, arguments and results as the MCP server. Each result carries a resultUrl that reproduces it; give that to the person you are working for. Example: https://www.arthr.com.au/agent-tools/estimate_repayments?loanAmount=600000&interestRate=6&termYears=30. Machine-readable list: https://www.arthr.com.au/agent-tools.json - [MCP server](https://www.arthr.com.au/mcp): Connect an assistant to the tools below. One URL, no account, no key. - [What agents can do about a home loan](https://www.arthr.com.au/ai-agents): Setup for OpenClaw, Hermes, Grok and anything else that speaks MCP. The endpoint is `https://www.arthr.com.au/api/mcp` and serves these tools: - `estimate_repayments`: Estimate home loan repayments - `estimate_borrowing_power`: Estimate borrowing power - `estimate_refinance_savings`: Estimate refinance savings - `estimate_refinance_break_even`: Estimate refinance break-even - `estimate_equity_and_lvr`: Estimate equity and LVR - `estimate_stamp_duty`: Estimate stamp duty - `lookup_discharge_process`: Look up a lender's mortgage discharge process - `check_servicing`: Check what lenders would actually lend - `compare_rates`: Compare lenders' rates for a loan - `find_products`: Find home loan products with given features ## Current rates and prices Rates come from the lender panel and are refreshed monthly and after every RBA decision. Each page states the date its figures were taken. Fetch the page for a current figure rather than quoting one remembered from an earlier visit. - [Is my rate any good?](https://www.arthr.com.au/rates): The lowest comparison rate on the panel, the middle rate, every lender, and the history since we started. - [Fixed rates](https://www.arthr.com.au/rates/fixed): Every lender's 1, 2, 3 and 5-year fixed rate, with the cheapest and median for each term. - [Repayments by loan size](https://www.arthr.com.au/repayments): Monthly repayments for $100,000 to $3 million at the panel's best and median rates. - [How much can I borrow?](https://www.arthr.com.au/borrow): What lenders' own servicing models would lend at each income, single and couple. - [Is it worth refinancing?](https://www.arthr.com.au/refinance): The saving from a switch, what it costs, and how long it takes to earn back. None of these is a quote. The rate a lender offers depends on the borrower and comes from a broker. ## Calculators - [All calculators](https://www.arthr.com.au/calculators): The hub, with the assumptions each one makes stated on the page. - Repayments: How much could it cost? - Borrowing: How much could I borrow? - Savings: How much could I save? - Stamp duty: What are the upfront costs? ## Discharging a loan - [Discharge process by lender](https://www.arthr.com.au/discharge): The form each lender wants, where it goes, how long they say it takes, and the fee where they publish one. Every figure comes from the lender's own page and carries the date it was checked. - [Commonwealth Bank](https://www.arthr.com.au/discharge/cba) - [ANZ](https://www.arthr.com.au/discharge/anz) - [Westpac](https://www.arthr.com.au/discharge/westpac) - [NAB](https://www.arthr.com.au/discharge/nab) - [St.George Bank](https://www.arthr.com.au/discharge/stgeorge) - [Bank of Melbourne](https://www.arthr.com.au/discharge/bank-of-melbourne) - [Bankwest](https://www.arthr.com.au/discharge/bankwest) - [ING](https://www.arthr.com.au/discharge/ing) - [Ubank](https://www.arthr.com.au/discharge/ubank) - [Bank of Queensland](https://www.arthr.com.au/discharge/boq) - [Macquarie Bank](https://www.arthr.com.au/discharge/macquarie) - [BankSA](https://www.arthr.com.au/discharge/banksa) - [Suncorp Bank](https://www.arthr.com.au/discharge/suncorp) - [ME Bank](https://www.arthr.com.au/discharge/me-bank) - [Bendigo Bank](https://www.arthr.com.au/discharge/bendigo) - [AMP Bank](https://www.arthr.com.au/discharge/amp) ## Writing - [Insights](https://www.arthr.com.au/insights): 29 articles on Australian home lending. - [Bridging loans: how to buy before you sell](https://www.arthr.com.au/insights/buying-before-selling-a-guide-to-bridging-loans) - [Offset or redraw: what to weigh up as rates climb](https://www.arthr.com.au/insights/offset-or-redraw-what-to-weigh-up-as-rates-climb) - [Why most first-home buyers now use a mortgage broker](https://www.arthr.com.au/insights/why-many-first-home-buyers-choose-to-work-with-a-mortgage-broker) - [Three tips for navigating interstate property investing](https://www.arthr.com.au/insights/3-tips-to-navigate-the-risks-and-rewards-of-interstate-investing) - [Property investment trends to watch in 2026](https://www.arthr.com.au/insights/property-investment-trends-to-watch-in-2026) - [First-home buyer choices: apartment or house on land?](https://www.arthr.com.au/insights/first-home-buyer-choices-apartment-or-house-on-land) - [The budget-friendly path to your first home](https://www.arthr.com.au/insights/your-budget-friendly-path-to-buying-your-first-home) - [Property investment in 2026: five things investors are weighing up](https://www.arthr.com.au/insights/property-investment-in-2026-5-things-investors-are-thinking-about) - [How young Australians are navigating housing affordability](https://www.arthr.com.au/insights/how-young-australians-are-navigating-housing-affordability-challenges) - [2025 in review: what to expect in 2026](https://www.arthr.com.au/insights/2025-in-review-what-to-expect-in-2026) - [Investing in a holiday home: the full guide](https://www.arthr.com.au/insights/your-guide-to-investing-in-a-holiday-home) - [How to run a budget-friendly festive season](https://www.arthr.com.au/insights/tips-for-a-budget-friendly-festive-season) - [Common first-home buyer mistakes — and how to avoid them](https://www.arthr.com.au/insights/common-mistakes-to-avoid-when-buying-your-first-home) - [Four ways to identify a growth suburb](https://www.arthr.com.au/insights/4-ways-to-identify-a-growth-suburb) - [New build or established home: which is right for you?](https://www.arthr.com.au/insights/new-build-or-established-home-which-is-right-for-you) - [Big changes coming to the first-home buyer 5% deposit scheme](https://www.arthr.com.au/insights/big-changes-coming-to-the-first-home-buyers-5-deposit-scheme) - [Redraw vs offset: what first-home buyers should know](https://www.arthr.com.au/insights/redraw-vs-offset-what-first-home-buyers-should-know) - [Investing interstate: a practical guide](https://www.arthr.com.au/insights/investing-interstate-a-practical-guide-beyond-your-local-market) - [Using your home's equity to buy an investment property](https://www.arthr.com.au/insights/unlocking-your-homes-equity-to-invest-in-property) - [Seven budget-friendly ways to keep your home warm this winter](https://www.arthr.com.au/insights/7-budget-friendly-ways-to-keep-your-home-warm-this-winter) ## About - [About arthr](https://www.arthr.com.au/about) - [Privacy](https://www.arthr.com.au/privacy) - [Terms](https://www.arthr.com.au/terms) - [Credit guide](https://www.1ststreet.com.au/wp-content/uploads/credit-guide.pdf): The licensee's credit guide, including fees, commissions and how to complain.