KeyReady — Australian home loan readiness
Australian home loan readiness: ~90 lenders' rules, stamp duty, grants, 5% Deposit Scheme, rates
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质量与安全性
A
基于对工具定义和协议合规性的自动分析。
上下文开销
~2,964token 数（工具定义）
~5.6 KB典型响应大小
对注意力有显著影响（占 128k 上下文窗口的 2.32%）
这是每次将服务器的工具加载到模型上下文窗口时所消耗的大致 token 数。数值越高，可用于其他任务的注意力就越少。
安装
一键安装
将以下内容添加到你的 `claude_desktop_config.json` 文件中：
{
"mcpServers": {
"keyready": {
"url": "https://mcp.keyready.au/mcp"
}
}
}远程端点
https://mcp.keyready.au/mcpstreamable-http它能做什么
工具清单
工具（5）
🟢 只读🟡 写入🔴 删除⚪ 未知
🟢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.
输入模式
{
"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"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢calculate_stamp_duty(state, price, first_home, owner_occupier, new_home, ...)
Exact 2026–27 transfer (stamp) duty for any Australian state or territory, including first home buyer concessions, owner-occupier rates, the First Home Owner Grant and foreign purchaser surcharge.
输入模式
{
"type": "object",
"properties": {
"state": {
"type": "string",
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
]
},
"price": {
"type": "number",
"minimum": 1000,
"maximum": 50000000
},
"first_home": {
"default": false,
"type": "boolean"
},
"owner_occupier": {
"default": true,
"type": "boolean"
},
"new_home": {
"default": false,
"description": "Brand-new home, off the plan, or building",
"type": "boolean"
},
"vacant_land": {
"default": false,
"type": "boolean"
},
"house_and_land_package": {
"default": false,
"type": "boolean"
},
"foreign_buyer": {
"default": false,
"description": "Buyer is a temporary visa holder or other foreign person",
"type": "boolean"
}
},
"required": [
"state",
"price"
],
"$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.
输入模式
{
"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"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢list_lender_rates(lvr, purpose, limit)
Live variable principal-and-interest home loan rates, each with its comparison rate, at a given LVR from lenders’ Open Banking product data (as of 2026-10-27). Lender names are masked. Always show the comparison rate beside each rate, with the warning returned.
输入模式
{
"type": "object",
"properties": {
"lvr": {
"default": 80,
"description": "Loan-to-value ratio, %",
"type": "number",
"minimum": 1,
"maximum": 98
},
"purpose": {
"default": "owner",
"type": "string",
"enum": [
"owner",
"investment"
]
},
"limit": {
"default": 10,
"type": "integer",
"minimum": 1,
"maximum": 25
}
},
"$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.
输入模式
{
"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"
}社区
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