What it can work out, what it can’t, and how to connect arthr’s calculators to it.
Partly. OpenClaw can do the work that comes before a mortgage — what you could borrow, what a lower rate would save, how much equity you can actually use, 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
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.
A general-purpose model knows a lot about mortgages and very little about Australian ones. It doesn’t know lenders test your repayments about three percentage points above the rate you’d actually pay, and it rarely gets stamp duty right, because there are eight state scales and they move at budget time. Connected to arthr, it stops guessing at seven things:
openclaw mcp add arthr \
--url https://www.arthr.com.au/api/mcp \
--transport streamable-httpThere’s no API key and 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.
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.
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.
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.
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.
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 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.
An estimate tells you roughly where you stand. A broker tells you what you can actually get, and then goes and gets it.
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