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Mirt "the Moneylender" (pronounced: /ˈmɛrtMERT[6] or: /ˈmɪərtMEERT[6]) was a fat, wheezing old rogue and retired adventurer. He made his fortune as an adventurer in Undermountain after a colorful career as a mercenary general. During this time, Mirt—then known as Mirt the Merciless or the Old Wolf or Lord Walrus[7]—made many enemies all over the Sword Coast, but also a few friends, notably Durnan a fellow adventurer and Undermountain explorer.[citation needed]

Mirt was also one of the most infamous factors of Waterdeep.[8]


Outwardly, Mirt appeared to be a loud, tipsy braggart, but only a stranger to Waterdeep would underestimate his agility and cunning. These qualities made him far richer late in life as an investor and business man than his years as an adventurer ever did, despite him being one of the few adventurers to emerge alive with wealth from Undermountain[5][9] in 1302 DR.[10] He had a heart of gold, despite the relative frequency with which he entered unruly tavern brawls.[citation needed]


Mirt was a Harper as well as a Masked Lord of Waterdeep. Many of the commoners suspected Mirt to be a Masked Lord, and Mirt on more than one occasion engaged in secretly spreading rumors stating that he was not.[citation needed]

He was one of the few trusted friends of Evermeet and had a portal that could give him access to the elven island when he so wished. He carried a purple dragon ring, which allowed him to speak in King Azoun IV's name.[11]


His wife and heir,[12] Asper, was an informal member of the Gray Hands. She preceded him in death.[3]


Due to Mirt's extended age, his many business dealings, his association with the Lords of Waterdeep, and several adventures, it would be almost impossible to list all of Mirt's associates. Below are a key few:


Mirt owned a mithral shirt that was magically glamered to look like ordinary clothing.[21] As a Masked Lord, he also possessed a lord's ensemble.[3]

Mirt owned a ship named the Morning Bird, which was used at one time to transport moon elves from the Ardeep Forest to Evermeet.[22]

Mirt also owned a mansion in the Castle Ward of Waterdeep, simply called Mirt's Mansion. It had a roughly hexagon-shaped, two-story main building with three-story towers at four of the six corners.[23] It was located on the south face of Mount Waterdeep near the harbor at the intersection of Coin Alley and Tarnished Silver Alley. The estate could also be accessed from Smuggler's Dock in the harbor.[24]


Mirt the Moneylender circa 1372 DR.

Early Life[]

Mirt was the son of a successful Coaster, a Sword Coast trader. He grew up hearing many tales and deeds of heroism which led him down the path of becoming a fighter.[citation needed]

In his youth, he was a money-grubbing mercenary and this grew into a reputation as a great mercenary general of the North and earned him the nickname "Mirt the Merciless". He became quite wealthy, but grew unsatisfied with mere wealth. He actually craved peace and tranquility.[citation needed]

During his mercenary days, he met Durnan the Wanderer and the two became close companions. The two of them decided to "retire" to Waterdeep. It may have also been this time that he met his future wife, Asper, whom he rescued as a baby from a sacked city.[citation needed]


With Durnan in tow, Mirt went to Waterdeep to live, but quickly became bored with peaceful living. Within a month of his arrival, he was approached by Khelben Arunsun and Sammereza Sulphontis with an invitation to become a Lord of Waterdeep. A few years later, he proposed to the other Lords that Durnan also be accepted as a Lord, and they agreed.[1]

Mirt (and Durnan) performed many covert tasks for the Lords of Waterdeep. Among them was Mirt's stint as a member of Waterdeep's thieves' guild under the alias "Tonius the Thief". He used his disguise to feed the Lords information on the guild, which led to the guild's eventual eradication from the city.[1]

Mirt ran his money-lending business primarily out of his mansion in Waterdeep. Transactions would happen only in the mornings, and Mirt was said to be patient regarding their repayment.[24][25]


Mirt began expeditions into Undermountain during his time as a Lord of Waterdeep. He actually adventured into the halls with several other Lords, including Durnan (of course) and Khelben.[citation needed]

An entrance to Undermountain was found near Mirt's mansion below an alley named the Slide in the sewers. It eventually led to an area of the dungeon known as the Grim Statue.[26] With his companions, they explored many areas of Undermountain—sometimes by choice, but other times by necessity. Some of those areas included the Crystal Labyrinth;[27] an area of the Dark Levels known as the Lost Level, where they befriended Bandaerl;[28] and the city-below-the-city, Skullport.[citation needed]

Mirt was among the Lords tasked with the job of keeping tabs on Skullport. When he wasn't visiting the city himself, usually with Durnan and/or Asper alongside, he would call for aide from Force Grey. He and some of the other Lords also maintained a network of informants within Skullport as well. One of Mirt's informants actually included the Iron Ring member Transtra.[19]

On one occasion, while Mirt, Durnan, and Asper were in Skullport, they ran afoul of the beholder Xuzoun and his minions. The fighting woke up the elder black dragon Vulharindauloth from his decades long sleep, and he had to be driven off by the defenses of the city itself.[29]

It was well known that Mirt and Durnan emerged from Undermountain in 1302 DR with a vast amount of wealth. Mirt used his share to build his mansion near Mount Waterdeep, while Durnan used his to erect the Yawning Portal tavern over the famous entrance.[30]

Time of Troubles[]

During the tumultuous Time of Troubles in 1358 DR, Mirt was dispatched to secure assistance from any ships friendly to Waterdeep. This included tasks such as supplying Waterdeep with much-needed goods, patrolling the seas for pirates, warning of other naval invaders, and providing a means of escape from the city should it become necessary. The job also led Mirt to the island of Mintarn.[31]

In the 1360s DR, Mirt briefly came out of retirement again to seek out and destroy The Black Basilisk, a ship crewed by Hosttower mages, and scattered their undead-crewed Dead Fleet. The Black Daggers pirate guild of the Nelanther Isles were so thankful they granted amnesty to Waterdhavian ships.[32]

In 1368 DR, Joshuan Havabuck, a halfling crime lord, and businessman of many enterprises of the Dock Ward in Waterdeep received a sizable loan from Mirt. The ten million gold lion loan was to pay out the lottery winnings the halting ran in the Docks. Amazingly, every single person to bough into the game picked the winning numbers. This freakish luck was caused by Tymora's divine powers running amok across the Realms. Joshuan was ready to take on the monstrous loan and its interest in order to keep his reputation intact. The collection of coin took more than four hours of carting sacks of gold from Mirt's vaults and the rest of the day was spent in calculation of all the enchanted items, gems, and art Mirt needed to sell temporarily to refill the cash reserves. The same night, Mirt was visited by one of the Masked Lords of Waterdeep informing him of several similar gargantuan loans taken by other gambling organizers of Waterdeep. The Lords were troubled by the sudden influx of coin in the city of Waterdeep and the threat of inflation caused by it.[33]


Mirt in the late 15th century DR.

At some point, Mirt was imprisoned within a magical handaxe. In 1479 DR, a Cormyrean noble named Marlin Stormserpent stole the axe from another noble family, mistakenly believing it was an artifact of the Nine. He called Mirt out of the axe and Mirt escaped into Suzail.[34]

In 1487 DR, Mirt made an effort to continuously thwart the scheming of Manshoon, or rather from even attempting to begin his scheming. The two of them had several meetings for drinks and passive-aggressive conversations in Suzail.[35]

In 1488 DR, Mirt came to the aid of Elminster, openly posing as a waiter and cook for several archwizards trapped inside a spellstorm in Cormyr, thereby contributing to the protection of the mythical Lost Spell.[36]

In 1491 DR, Elminster and Mirt returned to the city of Waterdeep, both aiding the newly appointed Open Lord of Waterdeep, Laeral Silverhand, in uncovering the culprits behind a string of murders of Masked Lords. After the investigations, Mirt chose to stay with Laeral, serving as a personal agent for the Open Lord.[37]




Waterdeep: Dragon Heist
Crown of FireTymora's LuckElminster EnragedElminster in HellElminster's DaughterThe City of Splendors: A Waterdeep NovelElminster Must DieBury Elminster DeepSilverfallRealms of the Underdark: "A Slow Day in Skullport"The HeraldSpellstormDeath Masks
Video Games
Descent to UndermountainIdle Champions of the Forgotten RealmsWarriors of Waterdeep
Board Games
Lords of Waterdeep

Further Reading[]


  1. 1.0 1.1 1.2 1.3 Ed Greenwood, et al (1989). Hall of Heroes. (TSR, Inc), p. p86. ISBN 0-88038-711-4.
  2. Interplay (December 1997). Designed by Chris Avellone, Robert Hanz. Descent to Undermountain. Interplay.
  3. 3.0 3.1 3.2 3.3 Christopher Perkins, James Haeck, James Introcaso, Adam Lee, Matthew Sernett (September 2018). Waterdeep: Dragon Heist. Edited by Jeremy Crawford. (Wizards of the Coast), pp. 210–211. ISBN 978-0-7869-6625-7.
  4. Ed Greenwood and Steven E. Schend (July 1994). “Who's Who in Waterdeep”. City of Splendors (TSR, Inc), p. 70. ISBN 0-5607-6868-1.
  5. 5.0 5.1 Ed Greenwood, Sean K. Reynolds, Skip Williams, Rob Heinsoo (June 2001). Forgotten Realms Campaign Setting 3rd edition. (Wizards of the Coast), pp. 181–182. ISBN 0-7869-1836-5.
  6. 6.0 6.1 Christopher Perkins, James Haeck, James Introcaso, Adam Lee, Matthew Sernett (September 2018). Waterdeep: Dragon Heist. Edited by Jeremy Crawford. (Wizards of the Coast), p. 4. ISBN 978-0-7869-6625-7.
  7. 7.0 7.1 Ed Greenwood (May 2005). Elminster's Daughter. (Wizards of the Coast), p. 15. ISBN 978-0786937684.
  8. Ed Greenwood (October 2012). Ed Greenwood Presents Elminster's Forgotten Realms. (Wizards of the Coast), p. 114. ISBN 0786960345.
  9. Steven E. Schend (January 1997). Undermountain: Stardock. Edited by Bill Olmesdahl. (TSR, Inc.), p. 4. ISBN 0-7869-0451-8.
  10. Ed Greenwood, Sean K. Reynolds, Skip Williams, Rob Heinsoo (June 2001). Forgotten Realms Campaign Setting 3rd edition. (Wizards of the Coast), p. 180. ISBN 0-7869-1836-5.
  11. Ed Greenwood (April 1994). Crown of Fire. (TSR, Inc.), p. 230. ISBN 1-56076-839-8.
  12. Ed Greenwood (February 2005). Spellfire. (Wizards of the Coast). ISBN 0-7869-3599-5.
  13. Warning: edition not specified for Hand of Fire
  14. Eric L. Boyd (June 2005). City of Splendors: Waterdeep. (Wizards of the Coast), p. 8. ISBN 0-7869-3693-2.
  15. Ed Greenwood (1987). Waterdeep and the North. (TSR, Inc), p. 53. ISBN 0-88038-490-5.
  16. Eric L. Boyd (June 2005). City of Splendors: Waterdeep. (Wizards of the Coast), pp. 54–55. ISBN 0-7869-3693-2.
  17. Ed Greenwood (1987). Waterdeep and the North. (TSR, Inc), p. 55. ISBN 0-88038-490-5.
  18. Eric L. Boyd (June 2005). City of Splendors: Waterdeep. (Wizards of the Coast), p. 10. ISBN 0-7869-3693-2.
  19. 19.0 19.1 Joseph C. Wolf (1999). Skullport. (TSR, Inc), p. 20. ISBN 0-7869-1348-7.
  20. Steven E. Schend (September 1996). Undermountain: Maddgoth's Castle. (TSR, Inc), p. 13. ISBN 0-7869-0423-2.
  21. Ed Greenwood, Sean K. Reynolds, Skip Williams, Rob Heinsoo (June 2001). Forgotten Realms Campaign Setting 3rd edition. (Wizards of the Coast), p. 181. ISBN 0-7869-1836-5.
  22. Eric L. Boyd (June 2005). City of Splendors: Waterdeep. (Wizards of the Coast), p. 4. ISBN 0-7869-3693-2.
  23. Ed Greenwood and Jeff Grubb (September 1988). City System. Edited by Karen Boomgarden. (TSR, Inc.), p. Map 2. ISBN 0-8803-8600-2.
  24. 24.0 24.1 Ed Greenwood (January 1993). Volo's Guide to Waterdeep. (TSR, Inc.), pp. 11–12. ISBN 1-56076-335-3.
  25. Ed Greenwood (1987). Waterdeep and the North. (TSR, Inc), pp. 22, 31. ISBN 0-88038-490-5.
  26. Ed Greenwood (1991). “Campaign Guide to Undermountain”. In Steven E. Schend ed. The Ruins of Undermountain (TSR, Inc.), p. 9. ISBN 1-5607-6061-3.
  27. Steven E. Schend (January 1997). Undermountain: Stardock. Edited by Bill Olmesdahl. (TSR, Inc.), pp. 4, 17. ISBN 0-7869-0451-8.
  28. Steven E. Schend (June 1996). Undermountain: The Lost Level. (TSR, Inc), p. 19. ISBN 0-7869-0399-6.
  29. Joseph C. Wolf (1999). Skullport. (TSR, Inc), p. 74. ISBN 0-7869-1348-7.
  30. Eric L. Boyd (June 2005). City of Splendors: Waterdeep. (Wizards of the Coast), p. 54. ISBN 0-7869-3693-2.
  31. Ed Greenwood (1989). Waterdeep (adventure). (TSR, Inc), pp. 32–33. ISBN 0-88038-757-2.
  32. Ed Greenwood (February 1992). “The Everwinking Eye: Goodbye, Mulmaster”. In Jean Rabe ed. Polyhedron #68 (TSR, Inc.), p. 28.
  33. Kate Novak, Jeff Grubb (December 1997). Tymora's Luck. (TSR, Inc.), pp. 101–104. ISBN 0-7869-0726-6.
  34. Warning: edition not specified for Elminster Must Die
  35. Warning: edition not specified for The Herald
  36. Ed Greenwood (June 2015). Spellstorm. (Wizards of the Coast), p. ?. ISBN 978-0-7869-6571-7.
  37. Ed Greenwood (2016-06-07). Death Masks. (Wizards of the Coast), p. ?. ISBN 0-7869-6593-2.