Arthr — Australian home loans is listed as active in the registry but did not answer our last check. It exposes 8 tools.
Real Australian lender serviceability, plus repayments, borrowing power and stamp duty.
Uptime history
34 days of history · worst day 0%
34 days agonow
8.8%
Uptime 24h
8 of 91 checks
8
Tools
read from the server
477 ms
Response time
average over 24h
open, no key
Access
streamable-http
What changed 1
Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 8 September 2026. No other catalogue keeps this.
8 Sep
a tool changed the parameters it asks for
lookup_discharge_process
Arthr — Australian home loans does not always answer
Over the last week it answered 11.3% of our checks. We check every 15 minutes, so you hear about the next outage within the hour — not from your users.
Connect this server
Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 11 min ago.
run in your terminal
claude mcp add mcp --transport http https://www.arthr.com.au/api/mcp~/Library/Application Support/Claude/claude_desktop_config.json
{
"mcpServers": {
"mcp": {
"url": "https://www.arthr.com.au/api/mcp"
}
}
}~/.codex/config.toml
[mcp_servers.mcp]
url = "https://www.arthr.com.au/api/mcp".cursor/mcp.json
{
"mcpServers": {
"mcp": {
"url": "https://www.arthr.com.au/api/mcp"
}
}
}.vscode/mcp.json
{
"mcpServers": {
"mcp": {
"url": "https://www.arthr.com.au/api/mcp"
}
}
}Available tools 8
Read directly from the server with tools/list, grouped by what they act on.
If a tool disappears, we record the date.
estimate
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 years by default. Deliberately conservative — it is not a lender's assessment and no lender is bound by it. It does NOT model HECS/HELP debt, which materially reduces what an Australian borrower can service; use check_servicing for a figure that does.
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="purchase" when the person does not own the property yet and loanBalance is the loan they would take out; the answer is then about their deposit and whether mortgage insurance applies, and "usable equity" is not reported, because for a buyer it is a number that does not exist.
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. Switching costs are an argument — this tool does not assume a figure, because they vary by lender and by state and most lenders don't publish theirs. Use lookup_discharge_process for the lender-stated discharge fee where there is one. This models a variable loan: if they are on a fixed rate, the break cost belongs in switchingCosts and usually decides the answer on its own.
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. Both rates are arguments — this tool does not quote or assume a market rate.
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.
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 memory.
lookup
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 step in refinancing away from a lender or selling. Every field is taken from the lender's own published material and dated; where a lender publishes no timeframe or fee, that is reported rather than guessed. Call this instead of describing a discharge process from memory.
servicing
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 have income, monthly living costs and a property value; prefer estimate_borrowing_power before that, for a fast rough figure. It is the only tool here that models HECS/HELP debt, and the only one that can tell you a lender says no. It takes seconds rather than milliseconds, so call it when the answer matters, not to explore.
Endpoints
| URL | Transport | State | Latency | Checked |
|---|---|---|---|---|
| https://www.arthr.com.au/api/mcp | streamable-http | answering | 112 ms | 11 min ago |
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Arthr — Australian home loans — questions
Answers built from our own checks of this server.
What can Arthr — Australian home loans do?
It exposes 8 tools, read directly from the server on our last check. Among them: check_servicing, estimate_borrowing_power, estimate_equity_and_lvr, estimate_refinance_break_even, estimate_refinance_savings, estimate_repayments and 2 more. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README.
How MCP servers expose tools in the first place →
Is Arthr — Australian home loans working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 8 of 91 checks got a reply (8.8%), average response time 477 ms. The bar chart above shows every period we have measured.
The registry lists Arthr — Australian home loans as active — why does it not respond?
The official MCP registry stores what the author submitted; it does not verify that the server still runs. We check the endpoint ourselves, and this one does not answer. Catalogues that copy the registry without checking will show it as working.
How do I connect Arthr — Australian home loans?
Copy the ready config from this page — we generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each with the file path that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.
Does Arthr — Australian home loans need an API key?
No. Arthr — Australian home loans completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 8 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is Arthr — Australian home loans?
It answers our handshake in 477 ms on average, which is faster than 33% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.