OpenClaw
Can OpenClaw help meget a mortgage?
Partly. It can do the work that comes before one.
OpenClaw can tell you what you could borrow, what a lower rate would save, how much equity you can actually use and what your lender’s discharge process is. It can’t apply for the loan. In Australia a lender assesses the credit and a licensed broker submits it.
- Connecting it
- One terminal command
- Cost
- Free, no account
- Runs
- On your own machine
- Last checked
- 19 August 2026
What OpenClaw is
OpenClaw is an open-source personal assistant you run yourself, which you extend by adding skills — and its skills are MCP servers. That matters here because it means you don’t have to wait for anyone to build a mortgage feature into it. You add the mortgage tools yourself, and arthr publishes a set.
What it can work out once it’s connected
A general-purpose model knows a lot about mortgages and very little about Australian ones. Connected to arthr, it stops guessing at seven things.
What you could borrow
Household income after Australian tax, less living costs and existing repayments, tested at the buffered rate lenders assess against.
What a loan costs a month
Repayment, total repaid and total interest.
What a lower rate saves
Monthly, and over the remaining term.
Whether refinancing is worth it
How many months it takes to recover the switching costs, which is the number that actually decides it.
How much equity you can use
Not value minus balance, which is the number you can’t borrow, but the 80% figure lenders release to.
Stamp duty
All eight states and territories, with the main first-home and owner-occupier concessions.
Your lender’s discharge process
The form, where it goes, how long they say it takes, and the fee where they publish one. Taken from the lenders’ own pages, not from memory.
How to connect it
- Open a terminal on the machine running OpenClaw.
- Add arthr as a remote MCP server with the command below.
- Ask it something. “What’s the stamp duty on a $900,000 place in Victoria if I’m a first-home buyer?” is a good first test.
openclaw mcp add arthr \
--url https://www.arthr.com.au/api/mcp \
--transport streamable-httpNo API key, nothing to authorise. If the steps don’t match what you see, OpenClaw has moved them — check OpenClaw's MCP CLI reference, which is where these came from. The arthr server page has the same URL and a longer explanation of what MCP is.
What it won’t do
Apply for anything
A home loan is credit. A lender assesses it against their own rules and a licensed broker submits it. No agent can stand in for either, and one that says it can is wrong.
Tell you your rate
The tools take a rate as an input and work from it. What you’d actually be offered depends on your income, the property and the lender, and no calculator settles it.
See your bank
The tools take numbers you give them. They don’t connect to your accounts, and they don’t know your balance unless you say it.
Be right by itself
We can hand OpenClaw the right numbers. We can’t control how it summarises them. Every answer links back to the calculator it came from — if a figure matters, check it there.
Your details
The tools take numbers, do the sum and send the answer back. No name, no email, no account, and we don’t store what you asked. We count how often each tool gets used so we know whether to keep running it. OpenClaw runs on your own machine, so your figures stay there too.
Questions
Can OpenClaw get me a mortgage?
No, and nothing can. A mortgage is credit, so an Australian lender has to assess it and a licensed broker has to submit it. What OpenClaw can do is the work in front of that: run the numbers on what you could borrow, what a refinance would save, and what your current lender's discharge process is, using arthr's calculators rather than guessing.
Can OpenClaw refinance my home loan?
It can tell you whether it's worth doing. Connected to arthr, OpenClaw can compare your current rate against a better one, work out how many months it takes to recover the switching costs, and look up the discharge form your lender wants. The switch itself needs a broker and a lender — that part is regulated and stays that way.
Is it free, and does arthr see my details?
Free, with no account and nothing to authorise. The tools take numbers, do the sum and send the answer back — no name, no email, nothing stored about what you asked. We count how often each tool is used so we know whether to keep running it. OpenClaw runs on your own machine, so your figures stay there too.
What can OpenClaw not work out?
What rate you'd actually be offered. That depends on your income, the property, the lender and the day, and no calculator settles it. arthr's tools return indicative estimates and say so. For a real number a broker takes your situation to the lenders.
Connection steps checked against OpenClaw's MCP CLI reference on 19 August 2026. These products change often — if something doesn’t match, their docs are right and this page is stale.
Then talk to someone
An estimate tells you roughly where you stand. A broker tells you what you can actually get, and then goes and gets it.