KeyReady — Australian home loan readiness

io.github.silas-dscPublished by GitHub account silas-dscv1.0.0Updated Oct 29, 2026

Australian home loan readiness: ~90 lenders' rules, stamp duty, grants, 5% Deposit Scheme, rates

VerifiedStreamable HTTPWeb executableLocation & LifestyleFinance

Overview

AI-generated overview

Remote MCP server that checks an Australian home buyer's situation against ~90 lenders' published rules and returns readiness, duty and rate estimates.

What you can do
  • Assess a borrower against lender rules, returning fit count, borrowing power, LVR, grants, scheme eligibility and fastest fixes
  • Calculate exact 2026–27 stamp duty for any state or territory, including concessions and foreign surcharge
  • Check 5% Deposit Scheme and Family Home Guarantee eligibility, including area price caps
  • List live variable principal-and-interest rates with comparison rates at a given LVR, with lender names masked
  • Send a user's situation and readiness report to a named mortgage broker after explicit consent
When to use it
Useful when someone asks about Australian home loan affordability, deposit schemes, stamp duty or current rates and wants indicative numbers rather than generic advice. It suits first home buyers, professionals seeking LMI waivers, nurses, self-employed borrowers and expats.
Requirements
A remote streamable HTTP endpoint; no package install, account, API key or environment variable is declared. Network access to the hosted endpoint is needed.
Before you install
Results are indicative general information, not credit advice or a recommendation. The broker referral tool sends the user's situation and report to a commercial mortgage broker, who pays the operator commission, so it should only be called after the user has seen the disclosure and explicitly agreed. Lender names are masked in rate results.

Installation

In SourceWeft

  1. Open KeyReady — Australian home loan readiness in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/io.github.silas-dsc%2Fkeyready/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "keyready-australian-home-loan-readiness": {
      "type": "http",
      "url": "https://mcp.keyready.au/mcp"
    }
  }
}

README

KeyReady — a family of home-loan readiness sites on one rules engine

Free Australian home-loan readiness checks for specific sub-markets. Each checks a borrower against ~90 lenders' published rules (live Open Banking rates, LVR limits, residency rules), APRA's 3% buffer, exact 2026–27 stamp duty and grants, the 5% Deposit Scheme, and segment rules (profession LMI waivers, alt-doc lending, foreign income). With consent, it refers the borrower to one broker: Goodlend Mortgage Brokers.

SiteForPreview
KeyReady (hub)first home buyers, everyonehttps://keyready.au/
LMI Waiver Checkdoctors, dentists, vets, lawyers, accountantshttps://keyready.au/professionals/
Nurse Home Loan Checknurses, midwives, allied healthhttps://keyready.au/nurses/
Low Doc Checkself-employed, tradieshttps://keyready.au/self-employed/
Expat Loan CheckAustralians abroad, foreign incomehttps://keyready.au/expats/
MCP serverClaude, ChatGPT, Gemini, Perplexity…https://keyready.au/mcp/

General information only. Not credit assistance, a comparison service or a recommendation. See docs/GROWTH.md §2 before launch.

One engine, many sites

src/engine/ + src/data/   THE rules: lenders (Open Banking), duty.ts (8 states), segments.ts (+ segment-policies.json), policy-overrides.json      │      ├── src/sites/<id>.ts   per-site config: brand, theme, copy, guides (SEO pages), wizard questions, sample      │      └── scripts/build-sites.mjs → dist/ (hub) + dist/<id>/ — prerendered HTML, JSON-LD, sitemap, robots, llms.txt, privacy      │      └── src/mcp/server.ts   MCP tools on the same engine → bundled into supabase/functions (scripts/bundle-rules.mjs)

A rule changes in one place and every site, plus the MCP server, picks it up on the next deploy. To add a site, add src/sites/<id>.ts and register it in src/sites/index.ts.

Keeping the rules current (automated)

  • Weekly Open Banking refresh (refresh-data.yml): every lender's rates, LVR limits and residency rules. It redeploys the sites and the MCP server.
  • Weekly rules watch (rules-watch.yml): snapshots ~30 official pages (revenue offices, ATO, Housing Australia, legislation) listed in rules/sources.json. It opens a rules-watch issue when a page changes or a time-limited rule is about to expire, for example NT's $50k grant (Sep 2027) or the 1 July rollovers.
  • Optional rules agent (rules-agent.yml, needs ANTHROPIC_API_KEY): Claude reads that issue, checks the official pages and opens a PR with updated rules and tests.
  • Bot-blocked sources: checked by hand with /verify-data in Claude Code with Chrome (see CLAUDE.md).

Run it

bash
npm installnpm run dev                 # one site (VITE_SITE=professionals npm run dev for another)npm test                    # engine, duty (official examples), segments, MCP end-to-endnpm run build               # all sites → dist/npm run bundle:rules        # engine + MCP server → supabase/functions/_shared/npm run import:cdr          # refresh Open Banking data   (behind a proxy: NODE_USE_ENV_PROXY=1)npm run watch:rules         # rules watch locally

Hosting (free)

  • Sites: GitHub Pages, all five under one repo, deployed on every push to main. For custom domains, npm run build:sites -- --target=domains produces one root-based build per site.
  • Backend: Supabase (leads, broker dashboard, Edge Functions for MCP and email), Knock (email workflows in .knock/) and Resend. Setup is in docs/BACKEND.md.

Docs

  • docs/GROWTH.md: sub-market economics, compliance, domains, SEO and AI visibility, 90-day plan
  • docs/BACKEND.md: Supabase, Knock, Resend and MCP setup
  • docs/RESEARCH.md: original teardown, UX research, data sources
  • docs/VERIFICATION.md: open data-verification checklist

Source: README.md at commit 337c21a

Tools

5

assess_home_loan_readiness

Assess home loan readiness

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.

Parametersgiftloansitepricerequiredstaterequiredlow_docpurposesavingslocationhouseholdapplicantsrequireddependants+11 more

calculate_stamp_duty

Calculate stamp duty and grants

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.

Parameterspricerequiredstaterequirednew_homefirst_homevacant_landforeign_buyerowner_occupierhouse_and_land_package

check_5_percent_deposit_scheme

Check 5% Deposit Scheme eligibility

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.

Parameterspricerequiredstaterequiredlocationfirst_homerequiredsingle_parentwill_live_in_itall_buyers_citizens_or_pr

list_lender_rates

List lender rates

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.

Parameterslvrlimitpurpose

refer_to_broker

Refer to a mortgage broker (with consent)

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.

Parametersgiftloannamerequiredsiteemailrequiredphonerequiredpricerequiredstaterequiredconsentrequiredlow_docpurposesavings+16 more

Version history

1
  1. v1.0.0LatestOct 29, 2026

Score

90% of the applicable checks met

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  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
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  • Documentation15 pts
  • License10 pts

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