KeyReady — Australian home loan readiness
Australian home loan readiness: ~90 lenders' rules, stamp duty, grants, 5% Deposit Scheme, rates
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Qualität und Sicherheit
A
Basierend auf einer automatisierten Analyse der Tool-Definitionen und der Einhaltung des Protokolls.
Kontextkosten
~2,964Tokens (Tool-Definitionen)
~5.6 KBTypische Antwortgröße
Erhebliche Auswirkung auf die Aufmerksamkeit (2.32% von 128k Kontext)
Dies ist die ungefähre Anzahl der Tokens, die jedes Mal verbraucht werden, wenn die Tools des Servers in den Kontext eines Modells geladen werden. Höhere Werte verringern die Aufmerksamkeit, die für andere Aufgaben verfügbar ist.
Installieren
Installation mit einem Klick
Fügen Sie dies Ihrer Datei `claude_desktop_config.json` hinzu:
{
"mcpServers": {
"keyready": {
"url": "https://mcp.keyready.au/mcp"
}
}
}Remote-Endpunkte
https://mcp.keyready.au/mcpstreamable-httpWas es kann
Tool-Inventar
Tools (5)
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🟢assess_home_loan_readiness(applicants, first_home, state, location, purpose, ...)
Check a borrower’s situation against each Australian lender’s published rules. Returns how many lenders it fits, borrowing power, LVR, stamp duty, grants, 5% Deposit Scheme eligibility, profession LMI waivers, the fastest fixes and a link to the full interactive report.
Eingabe-Schema
{
"type": "object",
"properties": {
"applicants": {
"minItems": 1,
"maxItems": 2,
"type": "array",
"items": {
"type": "object",
"properties": {
"age": {
"type": "integer",
"minimum": 18,
"maximum": 90
},
"residency": {
"default": "citizen",
"type": "string",
"enum": [
"citizen",
"permanent_resident",
"nz_citizen",
"awaiting_pr",
"temporary_visa",
"other"
]
},
"employment": {
"default": "full_time",
"type": "string",
"enum": [
"full_time",
"part_time",
"casual",
"contractor",
"self_employed",
"not_working",
"retired"
]
},
"months_in_role": {
"default": 24,
"description": "Months with the current employer, or months the ABN has been registered if self-employed",
"type": "integer",
"minimum": 0,
"maximum": 600
},
"annual_base_income": {
"type": "number",
"minimum": 0,
"maximum": 10000000,
"description": "Gross annual base income in AUD (or the equivalent if paid in another currency), excluding super"
},
"annual_overtime": {
"default": 0,
"type": "number",
"minimum": 0
},
"annual_allowances": {
"default": 0,
"type": "number",
"minimum": 0
},
"annual_bonus": {
"default": 0,
"type": "number",
"minimum": 0
},
"annual_commission": {
"default": 0,
"type": "number",
"minimum": 0
}
},
"required": [
"age",
"annual_base_income"
]
},
"description": "One or two borrowers; the first is the main borrower"
},
"first_home": {
"type": "boolean",
"description": "Never owned property in Australia"
},
"state": {
"type": "string",
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
],
"description": "State or territory where the property is"
},
"location": {
"default": "capital",
"description": "Capital city / regional centre, or elsewhere in the state",
"type": "string",
"enum": [
"capital",
"regional"
]
},
"purpose": {
"default": "owner",
"type": "string",
"enum": [
"owner",
"investment",
"construction"
]
},
"property_type": {
"default": "house",
"type": "string",
"enum": [
"house",
"apartment",
"land",
"house_land"
]
},
"new_or_existing": {
"default": "existing",
"type": "string",
"enum": [
"existing",
"new"
]
},
"price": {
"type": "number",
"minimum": 50000,
"maximum": 50000000,
"description": "Purchase price in AUD"
},
"loan": {
"description": "Loan amount in AUD; if omitted, savings + gift less upfront costs is used as the deposit",
"type": "number",
"minimum": 0
},
"savings": {
"default": 0,
"type": "number",
"minimum": 0
},
"gift": {
"default": 0,
"description": "Family gift toward the deposit",
"type": "number",
"minimum": 0
},
"credit_card_limits": {
"default": 0,
"description": "Total credit card limits (not balances)",
"type": "number",
"minimum": 0
},
"personal_loans": {
"default": 0,
"description": "Personal and car loan balances",
"type": "number",
"minimum": 0
},
"hecs_balance": {
"default": 0,
"type": "number",
"minimum": 0
},
"household": {
"type": "string",
"enum": [
"single",
"couple",
"family",
"sharing"
]
},
"dependants": {
"default": 0,
"type": "integer",
"minimum": 0,
"maximum": 10
},
"credit_defaults": {
"default": "no",
"type": "string",
"enum": [
"no",
"yes",
"unsure"
]
},
"credit_score": {
"description": "Equifax-style score out of 1200, if known",
"type": "integer",
"minimum": 0,
"maximum": 1200
},
"profession": {
"description": "Main borrower’s profession. Some lenders waive LMI for listed professions.",
"type": "string",
"enum": [
"doctor",
"specialist",
"dentist",
"vet",
"pharmacist",
"physio",
"optometrist",
"psychologist",
"nurse",
"midwife",
"allied_health",
"lawyer",
"accountant",
"actuary",
"engineer"
]
},
"lives_overseas": {
"default": false,
"description": "Main borrower currently lives outside Australia",
"type": "boolean"
},
"income_currency": {
"default": "AUD",
"type": "string",
"enum": [
"AUD",
"USD",
"GBP",
"EUR",
"NZD",
"SGD",
"HKD",
"AED",
"CAD",
"JPY",
"CNY",
"other"
]
},
"low_doc": {
"default": false,
"description": "Self-employed without two years of lodged tax returns",
"type": "boolean"
},
"site": {
"default": "core",
"description": "Which KeyReady site the report link should open",
"type": "string",
"enum": [
"core",
"professionals",
"nurses",
"self-employed",
"expats"
]
}
},
"required": [
"applicants",
"first_home",
"state",
"price"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢calculate_stamp_duty(state, price, first_home, owner_occupier, new_home, ...)
Exact 2026–27 transfer (stamp) duty for any Australian state or territory, including first home buyer concessions, owner-occupier rates, the First Home Owner Grant and foreign purchaser surcharge.
Eingabe-Schema
{
"type": "object",
"properties": {
"state": {
"type": "string",
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
]
},
"price": {
"type": "number",
"minimum": 1000,
"maximum": 50000000
},
"first_home": {
"default": false,
"type": "boolean"
},
"owner_occupier": {
"default": true,
"type": "boolean"
},
"new_home": {
"default": false,
"description": "Brand-new home, off the plan, or building",
"type": "boolean"
},
"vacant_land": {
"default": false,
"type": "boolean"
},
"house_and_land_package": {
"default": false,
"type": "boolean"
},
"foreign_buyer": {
"default": false,
"description": "Buyer is a temporary visa holder or other foreign person",
"type": "boolean"
}
},
"required": [
"state",
"price"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢check_5_percent_deposit_scheme(state, location, price, first_home, single_parent, ...)
Check eligibility for the Australian Government 5% Deposit Scheme (First Home Guarantee) or Family Home Guarantee (single parents, 2% deposit), including the property price cap for the area.
Eingabe-Schema
{
"type": "object",
"properties": {
"state": {
"type": "string",
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
]
},
"location": {
"default": "capital",
"type": "string",
"enum": [
"capital",
"regional"
]
},
"price": {
"type": "number",
"minimum": 1000
},
"first_home": {
"type": "boolean"
},
"single_parent": {
"default": false,
"type": "boolean"
},
"all_buyers_citizens_or_pr": {
"default": true,
"type": "boolean"
},
"will_live_in_it": {
"default": true,
"type": "boolean"
}
},
"required": [
"state",
"price",
"first_home"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢list_lender_rates(lvr, purpose, limit)
Live variable principal-and-interest home loan rates, each with its comparison rate, at a given LVR from lenders’ Open Banking product data (as of 2026-10-27). Lender names are masked. Always show the comparison rate beside each rate, with the warning returned.
Eingabe-Schema
{
"type": "object",
"properties": {
"lvr": {
"default": 80,
"description": "Loan-to-value ratio, %",
"type": "number",
"minimum": 1,
"maximum": 98
},
"purpose": {
"default": "owner",
"type": "string",
"enum": [
"owner",
"investment"
]
},
"limit": {
"default": 10,
"type": "integer",
"minimum": 1,
"maximum": 25
}
},
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟡refer_to_broker(applicants, first_home, state, location, purpose, ...)
Send the user’s situation and readiness report to Goodlend Mortgage Brokers, a licensed mortgage broker, who will contact them. ONLY call this after you have shown the user this disclosure and they have explicitly agreed in this conversation: This site is run by Goodlend Mortgage Brokers (Gariwed Falls Pty Ltd (ACN 682 875 798) ATF Holvor Investments Unit Trust No. 1), Credit Representative 556461 of Connective Credit Services Pty Ltd, ACL 389328. If you ask to be contacted, your details and report go only to us. If you take out a loan with our help, the lender pays us commission, as set out in the Credit Guide we give you before we help; you never pay us a fee. Collect their name, email and phone. The user then gets an email link to confirm before the broker sees anything. Never call it on the user’s behalf without that agreement.
Eingabe-Schema
{
"type": "object",
"properties": {
"applicants": {
"minItems": 1,
"maxItems": 2,
"type": "array",
"items": {
"type": "object",
"properties": {
"age": {
"type": "integer",
"minimum": 18,
"maximum": 90
},
"residency": {
"default": "citizen",
"type": "string",
"enum": [
"citizen",
"permanent_resident",
"nz_citizen",
"awaiting_pr",
"temporary_visa",
"other"
]
},
"employment": {
"default": "full_time",
"type": "string",
"enum": [
"full_time",
"part_time",
"casual",
"contractor",
"self_employed",
"not_working",
"retired"
]
},
"months_in_role": {
"default": 24,
"description": "Months with the current employer, or months the ABN has been registered if self-employed",
"type": "integer",
"minimum": 0,
"maximum": 600
},
"annual_base_income": {
"type": "number",
"minimum": 0,
"maximum": 10000000,
"description": "Gross annual base income in AUD (or the equivalent if paid in another currency), excluding super"
},
"annual_overtime": {
"default": 0,
"type": "number",
"minimum": 0
},
"annual_allowances": {
"default": 0,
"type": "number",
"minimum": 0
},
"annual_bonus": {
"default": 0,
"type": "number",
"minimum": 0
},
"annual_commission": {
"default": 0,
"type": "number",
"minimum": 0
}
},
"required": [
"age",
"annual_base_income"
]
},
"description": "One or two borrowers; the first is the main borrower"
},
"first_home": {
"type": "boolean",
"description": "Never owned property in Australia"
},
"state": {
"type": "string",
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
],
"description": "State or territory where the property is"
},
"location": {
"default": "capital",
"description": "Capital city / regional centre, or elsewhere in the state",
"type": "string",
"enum": [
"capital",
"regional"
]
},
"purpose": {
"default": "owner",
"type": "string",
"enum": [
"owner",
"investment",
"construction"
]
},
"property_type": {
"default": "house",
"type": "string",
"enum": [
"house",
"apartment",
"land",
"house_land"
]
},
"new_or_existing": {
"default": "existing",
"type": "string",
"enum": [
"existing",
"new"
]
},
"price": {
"type": "number",
"minimum": 50000,
"maximum": 50000000,
"description": "Purchase price in AUD"
},
"loan": {
"description": "Loan amount in AUD; if omitted, savings + gift less upfront costs is used as the deposit",
"type": "number",
"minimum": 0
},
"savings": {
"default": 0,
"type": "number",
"minimum": 0
},
"gift": {
"default": 0,
"description": "Family gift toward the deposit",
"type": "number",
"minimum": 0
},
"credit_card_limits": {
"default": 0,
"description": "Total credit card limits (not balances)",
"type": "number",
"minimum": 0
},
"personal_loans": {
"default": 0,
"description": "Personal and car loan balances",
"type": "number",
"minimum": 0
},
"hecs_balance": {
"default": 0,
"type": "number",
"minimum": 0
},
"household": {
"type": "string",
"enum": [
"single",
"couple",
"family",
"sharing"
]
},
"dependants": {
"default": 0,
"type": "integer",
"minimum": 0,
"maximum": 10
},
"credit_defaults": {
"default": "no",
"type": "string",
"enum": [
"no",
"yes",
"unsure"
]
},
"credit_score": {
"description": "Equifax-style score out of 1200, if known",
"type": "integer",
"minimum": 0,
"maximum": 1200
},
"profession": {
"description": "Main borrower’s profession. Some lenders waive LMI for listed professions.",
"type": "string",
"enum": [
"doctor",
"specialist",
"dentist",
"vet",
"pharmacist",
"physio",
"optometrist",
"psychologist",
"nurse",
"midwife",
"allied_health",
"lawyer",
"accountant",
"actuary",
"engineer"
]
},
"lives_overseas": {
"default": false,
"description": "Main borrower currently lives outside Australia",
"type": "boolean"
},
"income_currency": {
"default": "AUD",
"type": "string",
"enum": [
"AUD",
"USD",
"GBP",
"EUR",
"NZD",
"SGD",
"HKD",
"AED",
"CAD",
"JPY",
"CNY",
"other"
]
},
"low_doc": {
"default": false,
"description": "Self-employed without two years of lodged tax returns",
"type": "boolean"
},
"name": {
"type": "string",
"minLength": 1,
"maxLength": 120
},
"email": {
"type": "string",
"maxLength": 200,
"format": "email",
"pattern": "^(?:[A-Za-z0-9_'+\\-]+\\.)*[A-Za-z0-9_'+\\-]*[A-Za-z0-9_+-]@(?:[A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$"
},
"phone": {
"type": "string",
"minLength": 8,
"maxLength": 40
},
"preferred_time": {
"default": "Anytime",
"type": "string",
"enum": [
"Morning",
"Afternoon",
"Evening",
"Anytime"
]
},
"consent": {
"type": "boolean",
"const": true,
"description": "True only if the user explicitly agreed to the disclosure in this conversation"
},
"site": {
"default": "core",
"type": "string",
"enum": [
"core",
"professionals",
"nurses",
"self-employed",
"expats"
]
}
},
"required": [
"applicants",
"first_home",
"state",
"price",
"name",
"email",
"phone",
"consent"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}Community
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