Arthr MCP server

• Registry nameau.com.arthr/mcpverified in the MCP registry

The registry name sits under arthr.com.au. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

• Stateanswerschecked 2026-10-21
• Tools10
• Server calls itselfarthr
• Server version1.2.0
• Protocol version2025-06-18

On 2026-10-21 the server answered initialize and tools/list without a sign-in. First answer in 186 ms.

• Whether its tools do the product's job has not been judged yet.
• Checked on 2 of the 7 days it takes to judge reliability.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

• INITE MCP scoreafter a weeka score needs 7 daily checks: 2 so far
• Answeredmeasuring2 of the 7 daily checks it takes to print a share
• Median first answer218 ms
• Space in an agent's context≈ 5,443 tokensthe definitions of all its tools (10), which an agent carries on every turn
• Tool definitionsA · 100 of 100
• Typed results10 of 10 toolsdeclared outputSchema: results come typed, read once

• Every tool passes all six checks.

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (30%), doing the product's job (25%), definitions (20%), context (10%) and use (15%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

• 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_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…

• 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…

• 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…

• 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…

• 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…

• 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…

• 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…

• 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…

• 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…