# Arthr Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## Arthr

Australian home loan repayments, borrowing power, refinancing and stamp duty calculator.

- Record: https://musedirectory.ai/connector/arthr
- Category: Finance & Bills
- Developer: Arthr (https://www.arthr.com.au/mcp)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 1216ms, checked 2026-09-28T09:00:54Z
- Endpoint: https://www.arthr.com.au/api/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-09-24T00:35:54Z)
- Source: Found in the official MCP Registry (au.com.arthr/mcp) https://registry.modelcontextprotocol.io/v0/servers?search=au.com.arthr%2Fmcp

Connects to Australian home lending data. Estimates monthly repayments and total interest, calculates borrowing power based on income and expenses, compares refinancing savings, checks real serviceability across lender panels, and estimates stamp duty by state.

Example request: "How much could I borrow for a home loan based on my household income and expenses?"

How to connect: Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use Arthr to help me. It is a free service with an MCP server at https://www.arthr.com.au/api/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.

Tools:
- 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 serviceability buffer lenders assess against (APRA gu
- 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 marke
- 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 s
- 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 
- 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 workin
- 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. T
- 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 r

Screening checks:
- MCP handshake: pass (Answered in 602ms)
- Domain against threat feeds (Cloudflare security DNS): pass (www.arthr.com.au not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (8 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (No redirects off the domain)
- AI review of purpose and tool behavior: pass (No concerns)