Real Australian lender serviceability, plus repayments, borrowing power and stamp duty.
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https://www.arthr.com.au/api/mcp8 tools · 147msestimate_repaymentsEstimate 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 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.
| Parameter | Type | Description |
|---|---|---|
| loanAmount* | number | Loan amount in AUD. |
| interestRate* | number | Annual interest rate as a percentage, e.g. 6.2 for 6.2% p.a. |
| termYears | number | Loan term in years. Defaults to 30. |
estimate_borrowing_powerEstimate 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 guidance), over 30 ye…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 guidance), over 30 ye…
| Parameter | Type | Description |
|---|---|---|
| grossAnnualIncome* | number | COMBINED household income before tax, in AUD per year — both incomes added together for a couple. Note this differs from check_servicing, which wants one appli… |
| monthlyExpenses* | number | Living costs in AUD per month — food, transport, utilities, insurance, childcare, subscriptions. Convert carefully: a weekly figure is x52/12, a fortnightly on… |
| monthlyDebtRepayments | number | Repayments on car and personal loans, AUD per month. Pass credit cards as creditCardLimits instead, not as a repayment. Defaults to 0. |
| creditCardLimits | number | Total credit limit across all cards, AUD — the limit, not the balance and not the monthly payment. Lenders assess the limit whether or not the card is cleared… |
| termYears | number | Term to assess over. Defaults to 30. Pass the remaining term for someone refinancing who is keeping their original end date — assessing them over a fresh 30 ye… |
| interestRate* | number | The annual rate the loan would sit at, as a percentage, e.g. 6.2. The serviceability buffer is added to this automatically. |
estimate_refinance_savingsCompare 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 market rate.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 market rate.
| Parameter | Type | Description |
|---|---|---|
| loanAmount* | number | Outstanding loan balance in AUD. |
| currentRate* | number | The rate they're on now, as a percentage, e.g. 6.8. |
| newRate* | number | The rate being compared against, as a percentage, e.g. 6.2. |
| termYears | number | Years remaining on the loan. Defaults to 30. |
estimate_refinance_break_evenWork 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 saves. Switching cos…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 saves. Switching cos…
| Parameter | Type | Description |
|---|---|---|
| loanAmount* | number | Outstanding loan balance in AUD. |
| currentRate* | number | The rate they're on now, as a percentage, e.g. 6.8. |
| newRate* | number | The rate being switched to, as a percentage, e.g. 6.2. |
| switchingCosts* | number | Total one-off cost of switching in AUD. ASK WHETHER THEY ARE ON A FIXED RATE FIRST. Breaking a fixed term costs thousands to tens of thousands and dwarfs every… |
| termYears | number | Years remaining on the loan. Defaults to 30. |
estimate_equity_and_lvrWork 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 one. Set situation=…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 one. Set situation=…
| Parameter | Type | Description |
|---|---|---|
| propertyValue* | number | What the property is worth in AUD — or the purchase price, for a purchase. |
| loanBalance* | number | What is still owing in AUD — or, for a purchase, the loan they would take out. |
| situation | string | 'owner' (default) — they own the property and this is the balance on it. 'purchase' — they are buying, and loanBalance is the proposed loan. Get this right: tr… |
estimate_stamp_dutyEstimate 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 working duty out from mem…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 working duty out from mem…
| Parameter | Type | Description |
|---|---|---|
| price* | number | Purchase price in AUD. |
| state* | string | State or territory the property is in. |
| buyerType | string | Buyer situation. 'first-home' applies first-home exemptions and concessions where the state offers them; 'owner-occupier' applies standing owner-occupier rates… |
lookup_discharge_processLook 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. This is the first st…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. This is the first st…
| Parameter | Type | Description |
|---|---|---|
| lender* | string | The lender. Accepts the slug, the full or legal name, or the shorthand — "nab", "NAB" and "National Australia Bank" all resolve to the same row. Covered: Commo… |
check_servicingRun 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 runs. Use it once yo…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 runs. Use it once yo…
| Parameter | Type | Description |
|---|---|---|
| grossAnnualIncome* | number | The APPLICANT'S OWN income before tax, AUD per year — not the household total. This differs from estimate_borrowing_power, which takes a combined figure. Passi… |
| monthlyExpenses* | number | Living costs per MONTH, AUD — food, transport, utilities, insurance, childcare, subscriptions. Australians almost always quote this weekly or fortnightly, so c… |
| propertyValue* | number | The property's value, or the purchase price being considered, AUD. Required for a real servicing run — the panel can't be asked without it. |
| loanAmount | number | The loan being SOUGHT, AUD — not an existing balance, which is what the refinance tools mean by the same name. Supply it when testing whether a specific loan i… |
| partnerAnnualIncome | number | A SECOND BORROWER'S income before tax, AUD per year — someone who will be named on the loan and legally liable for it. Set it ONLY for a genuinely joint applic… |
| creditCardLimits | number | Total credit limit across all cards, AUD — the limit, not the balance. Lenders assess the limit whether or not the card is cleared monthly. |
| otherMonthlyRepayments | number | Car and personal loan repayments, AUD per month. |
| hecsBalance | number | Outstanding HECS/HELP debt, AUD. Worth asking for even when it seems small: it is the most common Australian debt and it moves the answer by tens of thousands.… |
| dependants | number | Number of dependent children. |
| postcode | string | Australian postcode of the property. Worth supplying: it determines the state, and stamp duty differs by more than a percentage point between them — a five-fig… |
| state | string | State or territory of the property. Use when known — it is more direct than a postcode and takes precedence over one. Drives stamp duty and first-home concessi… |
| propertyPurpose | string | Whether they'll live in it or rent it out. |
| expectedRentalIncome | number | Annual gross rent, AUD, for an investment purchase. KNOWN LIMITATION: this is passed to the lender panel but does not currently move the answer — $200,000 of r… |
| firstHomeBuyer | boolean | Whether this is their first home. Worth asking rather than assuming: with a state supplied it can remove stamp duty entirely — a NSW first home buyer under $80… |
| focus | string | Which question to shape the answer around. 'capacity' — how much could they borrow. 'affordability' — can they afford a specific price. 'rates' — what rate the… |
| targetPrice | number | With focus=affordability, the purchase price being tested. |
| deposit | number | Deposit available, AUD. Borrowing capacity is a serviceability question and does not depend on it, so this never changes what a lender will lend — but supply i… |
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Real Australian lender serviceability, plus repayments, borrowing power and stamp duty.
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