Agent tools

Compare lenders' rates for a loan

MCP tool compare_rates, same arguments and output

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. Use it to show the spread of rates; check_servicing says who would actually lend.

Opening these URLs only calculates. Nothing is stored, and no lead, application or message is created.

Result

22 lenders price a variable principal and interest loan of $600,000 at the 80% band (tables as at 2026-10-19). Lowest first:
• Bank of Us: 6.24% (comparison 6.34%)
• People First Bank: 6.34% (comparison 6.35%)
• Macquarie: 6.34% (comparison 6.59%)
• ME Bank: 6.34% (comparison 6.70%)
• ANZ: 6.38% (comparison 6.48%)
• Ubank: 6.39% (comparison 6.63%)
• Newcastle Permanent: 6.39% (comparison 6.74%)
• Bendigo Bank: 6.43% (comparison 6.61%)
• St. George: 6.43% (comparison 6.79%)
• MyState: 6.44% (comparison 6.58%)

These are lenders' headline rates for the band, from the panel's lending tables. find_products prices individual products from lenders' product catalogue, which is refreshed separately, so a lender's rate can differ between the two; check_servicing gives the rate each lender would assess them at.

Listed in the order stated above, not ranked for this person. Which loan suits them depends on their objectives and situation, and is their broker's call; a lender's offer can differ from these figures.

Verify or share this result: https://www.arthr.com.au/agent-tools/compare_rates?loanAmount=600000&propertyValue=800000&propertyPurpose=owner_occupied&repaymentType=principal_and_interest&rateType=variable&limit=10

Suggested follow-ups for the user (offer them; don't run one they haven't asked for):
• Want to see the repayments at 6.24%, the lowest of these? (estimate_repayments: https://www.arthr.com.au/agent-tools/estimate_repayments?loanAmount=600000&interestRate=6.24)
• Want to see what moving to 6.24% would save you? (estimate_refinance_savings, needs currentRate: https://www.arthr.com.au/agent-tools/estimate_refinance_savings?loanAmount=600000&newRate=6.24)
• Want to see which loans for this amount come with an offset account? (find_products: https://www.arthr.com.au/agent-tools/find_products?loanAmount=600000&propertyValue=800000&propertyPurpose=owner_occupied&features=offset)

Source: arthr's /rates rates — https://www.arthr.com.au/rates

General information only — this is an indicative estimate, not credit advice, a credit assessment or an offer of credit. It doesn't consider anyone's objectives, financial situation or needs. Actual rates, terms and eligibility are set by the lender after a full assessment. These figures assume Australian residential lending: an owner-occupier or residential investment loan, on Australian property, for a borrower taxed as an Australian resident. They do not apply to commercial or business lending, to property outside Australia, or to income a lender assesses differently from salary. Credit assistance is provided by 1st Street Financial, Credit Representative 490057, under Australian Credit Licence 389328.

Output fields

band: owner_occupied|80|pi
lvrBand: 80
priced: true
pricedAt: 2026-10-19
rateType: variable
lenderCount: 22
sortedBy: advertised rate, then comparison rate
lenders: lender rate comparisonRate
Bank of Us 6.24 6.34
People First Bank 6.34 6.35
Macquarie 6.34 6.59
ME Bank 6.34 6.7
ANZ 6.38 6.48
Ubank 6.39 6.63
Newcastle Permanent 6.39 6.74
Bendigo Bank 6.43 6.61
St. George 6.43 6.79
MyState 6.44 6.58
notAdvice: Listed in the order stated above, not ranked for this person. Which loan suits them depends on their objectives and situation, and is their broker's call; a lender's offer can differ from these figures.
repaymentType: principal_and_interest
rateUnit: percent_per_annum
lvrUnit: percent
imageUrl: https://www.arthr.com.au/agent-tools/compare_rates/image?loanAmount=600000&propertyValue=800000&propertyPurpose=owner_occupied&repaymentType=principal_and_interest&rateType=variable&limit=10

lender	rate	comparisonRate
Bank of Us	6.24	6.34
People First Bank	6.34	6.35
Macquarie	6.34	6.59
ME Bank	6.34	6.7
ANZ	6.38	6.48
Ubank	6.39	6.63
Newcastle Permanent	6.39	6.74
Bendigo Bank	6.43	6.61
St. George	6.43	6.79
MyState	6.44	6.58

Inputs used

loanAmount: 600000
propertyValue: 800000
propertyPurpose: owner_occupied (default)
repaymentType: principal_and_interest (default)
rateType: variable (default)
limit: 10 (default)

Link to this result

Opening this link recalculates exactly this result. It holds every input, defaults included.

https://www.arthr.com.au/agent-tools/compare_rates?loanAmount=600000&propertyValue=800000&propertyPurpose=owner_occupied&repaymentType=principal_and_interest&rateType=variable&limit=10

Suggested follow-ups for the user

Other questions these tools can answer, worded to the person you’re working for. Offer them; don’t run one they haven’t asked for. Each link has what’s already known filled in.

Want to see the repayments at 6.24%, the lowest of these? (estimate_repayments)
Want to see what moving to 6.24% would save you? (estimate_refinance_savings, ask them for currentRate)
Want to see which loans for this amount come with an offset account? (find_products)

Suggested citation

Arthr, compare lenders' rates for a loan (indicative estimate, not credit advice): https://www.arthr.com.au/agent-tools/compare_rates?loanAmount=600000&propertyValue=800000&propertyPurpose=owner_occupied&repaymentType=principal_and_interest&rateType=variable&limit=10

Change the inputs

Submitting this form loads the page again with your inputs in the URL. Blank fields count as not given, so an optional one takes its default.

loanAmountrequirednumber, 10000 to 50000000. What they'll borrow (or owe after refinancing), AUD.

propertyValuerequirednumber, 10000 to 100000000. What the property is worth, AUD.

propertyPurposeoptionalone of: owner_occupied, investment. Default owner_occupied. Live in it or rent it out. Defaults to owner_occupied.

repaymentTypeoptionalone of: principal_and_interest, interest_only. Default principal_and_interest. Defaults to principal_and_interest.

rateTypeoptionalone of: variable, fixed_1, fixed_2, fixed_3, fixed_5. Default variable. Defaults to variable.

limitoptionalnumber, 1 to 25. Default 10. How many lenders to return, lowest first. Default 10.

Parameters

parameter	required	accepts	default	meaning
`loanAmount`	yes	number, 10000 to 50000000	none	What they'll borrow (or owe after refinancing), AUD.
`propertyValue`	yes	number, 10000 to 100000000	none	What the property is worth, AUD.
`propertyPurpose`	no	one of: owner_occupied, investment	owner_occupied	Live in it or rent it out. Defaults to owner_occupied.
`repaymentType`	no	one of: principal_and_interest, interest_only	principal_and_interest	Defaults to principal_and_interest.
`rateType`	no	one of: variable, fixed_1, fixed_2, fixed_3, fixed_5	variable	Defaults to variable.
`limit`	no	number, 1 to 25	10	How many lenders to return, lowest first. Default 10.

URL

https://www.arthr.com.au/agent-tools/compare_rates?loanAmount={loanAmount}&propertyValue={propertyValue}&propertyPurpose={propertyPurpose}&repaymentType={repaymentType}&rateType={rateType}&limit={limit}

Example: https://www.arthr.com.au/agent-tools/compare_rates?loanAmount=600000&propertyValue=800000

Rules

Names are case-sensitive and match the MCP tool’s arguments exactly.
Numbers are plain: 600000, 6.25. “$600,000” and “6%” are read too. Exponents, hex and stray commas are rejected.
A blank value counts as missing. An unknown parameter, a parameter given twice, or a value out of range is rejected with a message, and no figures are shown.
Tracking parameters such as utm_source are ignored.
Add &format=json for the MCP structuredContent as JSON.

Using the result

Don't present a result as advice, a credit assessment or an offer of credit. Every result is an indicative estimate.
Don't describe a loan, lender or product as the best one. The tools sort facts by a stated rule; they don't recommend.
Don't quote a figure without its resultUrl, so the person can check it.
Don't put names, contact details, addresses or account numbers in a URL. No tool takes them, and an unknown parameter is rejected.
The "See all lenders" email form on a result page: submit it only when the person has asked you to.

Over MCP this is compare_rates at https://www.arthr.com.au/api/mcp. For a person, the same sum is on https://www.arthr.com.au/rates.

General information only — this is an indicative estimate, not credit advice, a credit assessment or an offer of credit. It doesn't consider anyone's objectives, financial situation or needs. Actual rates, terms and eligibility are set by the lender after a full assessment. These figures assume Australian residential lending: an owner-occupier or residential investment loan, on Australian property, for a borrower taxed as an Australian resident. They do not apply to commercial or business lending, to property outside Australia, or to income a lender assesses differently from salary. Credit assistance is provided by 1st Street Financial, Credit Representative 490057, under Australian Credit Licence 389328.