Agent tools

Find home loan products with given features

MCP tool find_products, same arguments and output

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 in dollars. Facts in a stated order, not a recommendation. Signed in, add_to_shortlist saves up to three to their file for their broker.

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

Result

28 products with offset at the 80% band (catalogue as at 2026-10-08), by comparison rate:
• People First Bank, "Basic Variable Home Loan (LMI Waiver)" [lenderKey: heritage]: variable 6.09%, comparison 6.09%; no annual fee, no upfront fee listed; offset, redraw, extra repayments
• People First Bank, "Basic Variable Home Loan with Offset" [lenderKey: heritage]: variable 6.09%, comparison 6.09%; no annual fee, no upfront fee listed; offset, redraw, extra repayments
• Bank of Us, "Topline Home Loan" [lenderKey: bankofus]: variable 6.14%, comparison 6.15%; no annual fee, $300 upfront; offset, redraw, extra repayments
• ANZ, "Standard Variable with Offset" [lenderKey: anz]: variable 6.13%, comparison 6.24%; $120 a year, no upfront fee listed; offset, redraw, extra repayments, portable
• Macquarie, "Offset Package Home Loan" [lenderKey: macquarie]: variable 6.09%, comparison 6.33%; $248 a year, $350 upfront; offset, redraw, extra repayments, portable
• Bankwest, "Simple Home Loan with Offset" [lenderKey: bankwest]: variable 6.24%, comparison 6.36%; $120 a year, $350 upfront; offset, redraw, extra repayments
• ING, "Orange Advantage" [lenderKey: ing]: variable 6.19%, comparison 6.47%; $299 a year, $350 upfront; offset, redraw, extra repayments, portable
• Newcastle Permanent, "Premium Plus" [lenderKey: newcastleperm]: variable 6.14%, comparison 6.49%; $395 a year, no upfront fee listed; offset, redraw, extra repayments, portable
• People First Bank, "Basic Variable Home Loan with Offset (LMI)" [lenderKey: heritage]: variable 6.49%, comparison 6.49%; no annual fee, no upfront fee listed; offset, redraw, extra repayments
• NAB, "Tailored Variable with Offset" [lenderKey: nab]: variable 6.37%, comparison 6.50%; $144 a year, no upfront fee listed; offset, redraw, extra repayments

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/find_products?loanAmount=600000&propertyValue=800000&propertyPurpose=owner_occupied&features=offset&rateType=any&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 6.09%, the first of these? (estimate_repayments: https://www.arthr.com.au/agent-tools/estimate_repayments?loanAmount=600000&interestRate=6.09)
• Want to see what moving to 6.09% would save you? (estimate_refinance_savings, needs currentRate: https://www.arthr.com.au/agent-tools/estimate_refinance_savings?loanAmount=600000&newRate=6.09)
• Want to see lenders' advertised rates for this loan, lowest first? (compare_rates: https://www.arthr.com.au/agent-tools/compare_rates?loanAmount=600000&propertyValue=800000&propertyPurpose=owner_occupied)

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

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

lvr: 75
lvrBand: 80
pricedAt: 2026-10-08
matched: 28
sortedBy: comparison rate, lowest first
products: lender lenderKey product rateLabel rate comparisonRate annualFee upfrontFee maxLvr features fees
People First Bank heritage Basic Variable Home Loan (LMI Waiver) Variable 6.09 6.09 0 0 90 ["offset","redraw","extra repayments"] ["No annual fee","No upfront fee listed"]
People First Bank heritage Basic Variable Home Loan with Offset Variable 6.09 6.09 0 0 80 ["offset","redraw","extra repayments"] ["No annual fee","No upfront fee listed"]
Bank of Us bankofus Topline Home Loan Variable 6.14 6.15 0 300 95 ["offset","redraw","extra repayments"] ["No annual fee","$300 upfront"]
ANZ anz Standard Variable with Offset Variable 6.13 6.24 120 0 97 ["offset","redraw","extra repayments","portable"] ["$120 a year","No upfront fee listed"]
Macquarie macquarie Offset Package Home Loan Variable 6.09 6.33 248 350 95 ["offset","redraw","extra repayments","portable"] ["$248 a year","$350 upfront"]
Bankwest bankwest Simple Home Loan with Offset Variable 6.24 6.36 120 350 98 ["offset","redraw","extra repayments"] ["$120 a year","$350 upfront"]
ING ing Orange Advantage Variable 6.19 6.47 299 350 95 ["offset","redraw","extra repayments","portable"] ["$299 a year","$350 upfront"]
Newcastle Permanent newcastleperm Premium Plus Variable 6.14 6.49 395 0 95 ["offset","redraw","extra repayments","portable"] ["$395 a year","No upfront fee listed"]
People First Bank heritage Basic Variable Home Loan with Offset (LMI) Variable 6.49 6.49 0 0 90 ["offset","redraw","extra repayments"] ["No annual fee","No upfront fee listed"]
NAB nab Tailored Variable with Offset Variable 6.37 6.5 144 0 95 ["offset","redraw","extra repayments"] ["$144 a year","No upfront fee listed"]
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.
currency: AUD
rateUnit: percent_per_annum
lvrUnit: percent
imageUrl: https://www.arthr.com.au/agent-tools/find_products/image?loanAmount=600000&propertyValue=800000&propertyPurpose=owner_occupied&features=offset&rateType=any&limit=10

lender	lenderKey	product	rateLabel	rate	comparisonRate	annualFee	upfrontFee	maxLvr	features	fees
People First Bank	heritage	Basic Variable Home Loan (LMI Waiver)	Variable	6.09	6.09	0	0	90	["offset","redraw","extra repayments"]	["No annual fee","No upfront fee listed"]
People First Bank	heritage	Basic Variable Home Loan with Offset	Variable	6.09	6.09	0	0	80	["offset","redraw","extra repayments"]	["No annual fee","No upfront fee listed"]
Bank of Us	bankofus	Topline Home Loan	Variable	6.14	6.15	0	300	95	["offset","redraw","extra repayments"]	["No annual fee","$300 upfront"]
ANZ	anz	Standard Variable with Offset	Variable	6.13	6.24	120	0	97	["offset","redraw","extra repayments","portable"]	["$120 a year","No upfront fee listed"]
Macquarie	macquarie	Offset Package Home Loan	Variable	6.09	6.33	248	350	95	["offset","redraw","extra repayments","portable"]	["$248 a year","$350 upfront"]
Bankwest	bankwest	Simple Home Loan with Offset	Variable	6.24	6.36	120	350	98	["offset","redraw","extra repayments"]	["$120 a year","$350 upfront"]
ING	ing	Orange Advantage	Variable	6.19	6.47	299	350	95	["offset","redraw","extra repayments","portable"]	["$299 a year","$350 upfront"]
Newcastle Permanent	newcastleperm	Premium Plus	Variable	6.14	6.49	395	0	95	["offset","redraw","extra repayments","portable"]	["$395 a year","No upfront fee listed"]
People First Bank	heritage	Basic Variable Home Loan with Offset (LMI)	Variable	6.49	6.49	0	0	90	["offset","redraw","extra repayments"]	["No annual fee","No upfront fee listed"]
NAB	nab	Tailored Variable with Offset	Variable	6.37	6.5	144	0	95	["offset","redraw","extra repayments"]	["$144 a year","No upfront fee listed"]

Inputs used

loanAmount: 600000
propertyValue: 800000
propertyPurpose: owner_occupied (default)
features: offset
rateType: any (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/find_products?loanAmount=600000&propertyValue=800000&propertyPurpose=owner_occupied&features=offset&rateType=any&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 6.09%, the first of these? (estimate_repayments)
Want to see what moving to 6.09% would save you? (estimate_refinance_savings, ask them for currentRate)
Want to see lenders' advertised rates for this loan, lowest first? (compare_rates)

Suggested citation

Arthr, find home loan products with given features (indicative estimate, not credit advice): https://www.arthr.com.au/agent-tools/find_products?loanAmount=600000&propertyValue=800000&propertyPurpose=owner_occupied&features=offset&rateType=any&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.

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.
`features`	no	any of: offset, redraw, extra_repay, portable, no_annual_fee	none	Features every product returned must have. Empty or left out: any.
`rateType`	no	one of: variable, fixed, any	any	Defaults to any.
`limit`	no	number, 1 to 25	10	How many products to return. Default 10.

URL

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

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

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.
A list parameter takes repeated keys or one comma-separated value.
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 find_products at https://www.arthr.com.au/api/mcp.

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.