Arthr

Arthr is an Australian mortgage brokerage that leverages AI to help the next generation of Australians secure home loans, refinance, and manage mortgage-related costs. Founded by Graeme Pillemer and Jeremy Fisher, the service is provided through 1st Street Financial, a licensed credit representative (ABN 39 697 205 486, Credit Rep No 490057, ACL 389328).

Arthr is listed with 1 API on the APIs.io network. Tagged areas include Mortgage, Brokerage, Artificial Intelligence, Australia, and Fintech.

🌐 Visit website 📡 Profile data on GitHub

13.4/100 emerging Agent 9/100 agent aware Full breakdown ↓
scored 2026-11-02 · rubric v0.26.0 · Show this score on your site →

AccessOpen

1 API 1 MCP Servers

Mortgage Brokerage Artificial Intelligence Australia Fintech

Kin Score

Kin Score How this is scored →
scored 2026-11-02 · rubric v0.26.0

Composite quality — 13.4/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.6 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.5 / 9

Regulatory Posture 3.9 / 15

Agent readiness — 9/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 8 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Securities & Market Data regime (on an ambiguous tag, where no other regime matched), so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 9.5 — up to +18.1 composite points
Access Clarity scores 21.1 — up to +15.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/arthr-com-au/apis.yml: open an issue on github.com/api-evangelist/arthr-com-au to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Agent2Agent

measured — observed by APIs.io (near-conformant)

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Arthr MCP API

Mortgage calculators for AI assistants via MCP server.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Arthr MCP Server

Remote MCP server at www.arthr.com.au.

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Arthr Com Au Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Arthr Com Au Rate Limits

0 limits

RATE LIMITS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Arthr Com Au Authentication

0 schemes

SECURITY

Arthr Com Au Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Arthr Com Au Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

MCPServer

MCPServer

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 3

Properties that don't map to a standard resource type

AgentCard

AgentCard

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: arthr-com-au
name: Arthr
description: Arthr is an Australian mortgage brokerage that leverages AI to help the next generation of Australians secure
  home loans, refinance, and manage mortgage-related costs. Founded by Graeme Pillemer and Jeremy Fisher, the service is provided
  through 1st Street Financial, a licensed credit representative (ABN 39 697 205 486, Credit Rep No 490057, ACL 389328).
url: https://artifacts.apis.io/arthr-com-au/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-01 (modular-v1; was harvest)
accessModel:
  pricing: unknown
  onboarding: open
  trial: false
  try_now: false
  public: true
  gated: none
  gated_source:
  - onboarding
  label: Open access
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-02'
  method: derived
specificationVersion: '0.20'
created: '2026-11-01'
modified: '2026-11-01'
tags:
- Mortgage
- Brokerage
- Artificial Intelligence
- Australia
- Fintech
tags_raw:
- Mortgage
- Brokerage
- AI
- Australia
- FinTech
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
image: https://www.arthr.com.au/brand-kit/logos/mark-1024.png
common:
- type: LLMsTxt
  url: llms/arthr-com-au-llms.txt
- type: AgentCard
  url: a2a/arthr-com-au-a2a.yml
- type: MCPServer
  url: mcp/arthr-com-au-mcp.yml
- type: Hosts
  url: hosts/arthr-com-au-hosts.yml
- type: Vendors
  url: vendors/arthr-com-au-vendors.yml
- type: DeveloperPortal
  url: https://portal.arthr.com.au
- type: DomainSecurity
  url: security/arthr-com-au-domain-security.yml
- type: Website
  url: https://arthr.com.au/
- type: TermsOfService
  url: https://www.arthr.com.au/terms
- type: PrivacyPolicy
  url: https://www.arthr.com.au/privacy
apis:
- name: Arthr MCP API
  description: Mortgage calculators for AI assistants via MCP server.
  humanURL: https://www.arthr.com.au/mcp
  baseURL: https://www.arthr.com.au/api/mcp
  aid: arthr-com-au:arthr-mcp-api
x-enrichment:
  date: '2026-11-01'
  status: enriched
  artifacts_added: 27
  pass: modular-v1
  engine: identity=oss,contract=oss,surfaces=oss,docs=oss,regulatory=oss

Arthr API — frequently asked questions

Does Arthr have an API?

Yes. APIs.io lists 1 API from Arthr, including Arthr MCP API.

How do I authenticate with the Arthr API?

Arthr documents its authentication (0 schemes). The details are profiled on APIs.io as Arthr Com Au Authentication.

Does Arthr have an MCP server?

Yes. APIs.io lists 1 MCP server for Arthr: Remote MCP server at www.arthr.com.au.

Is the Arthr API ready for AI agents?

Arthr has a Kin Score of 13.4 out of 100 (emerging) and an Agent Readiness score of 9.4 (agent-aware), scored by API Evangelist on 2026-11-02.

Work with this as data

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Tools for providers

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get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
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apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
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find_cohortsEvery scored population of providers in the catalog.

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