KeyReady — Australian home loan readiness

io.github.silas-dsc由 GitHub 账号 silas-dsc 发布v1.0.0更新于 Oct 29, 2026

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

已验证Streamable HTTP可网页运行位置与生活金融

概览

AI 生成的概览

远程 MCP 服务器，按约 90 家贷款机构的公开规则评估澳洲购房者情况，给出可贷额度、印花税与利率参考。

可以做什么
  • 按各贷款机构规则评估借款人，返回符合家数、借款能力、LVR、补贴、计划资格与最快改善项
  • 计算任一州或领地 2026–27 年度精确印花税，含首次购房优惠与外国买家附加税
  • 核查 5% 首付计划与家庭住房担保资格，含所在区域房价上限
  • 按指定 LVR 列出实时浮动本息同还利率及比较利率，贷款机构名称已遮蔽
  • 在用户明确同意后，把用户情况与评估报告发送给指定房贷经纪
适用场景
适合用户询问澳洲房贷可负担性、首付计划、印花税或当前利率，并希望得到参考性数字而非泛泛建议时。适用于首次购房者、寻求 LMI 豁免的专业人士、护士、自雇借款人和海外澳洲人。
运行要求
远程 streamable HTTP 端点；未声明需要安装包、账号、API 密钥或环境变量。需要能访问该托管端点的网络。
安装前请注意
结果为参考性一般信息，不构成信贷建议或推荐。经纪转介工具会把用户情况与报告发送给商业房贷经纪，该经纪向运营方支付佣金，因此仅在用户已看到披露并明确同意后调用。利率结果中贷款机构名称已遮蔽。

安装

在 SourceWeft 中

  1. 打开 控制台中的 KeyReady — Australian home loan readiness，将其添加到工作区。
  2. 为需要使用其工具的对话启用该服务。

Web executable，通过 Streamable HTTP。 远程服务在工作区中配置后即可从网页运行时运行。

交给智能体安装

把这段提示词粘贴到 Claude Code、Codex、Cursor 等智能体，或 SourceWeft 对话中。智能体会读取该服务器的安装指南，先向你展示发布者、端点和登录方式，经你同意后再把它添加到你的客户端。密钥不会写进任何命令。

阅读 https://sourceweft.com/mcp/io.github.silas-dsc%2Fkeyready/install.md，并按其中说明把这个 MCP 服务器接入我的客户端。修改任何配置之前，先告诉我它的发布者、端点和登录方式，等我确认。不要把 API 密钥写进命令或我会提交的文件；问我密钥应从哪里获取。

查看智能体所依据的安装指南

其他 MCP 客户端

把它添加到你客户端的 mcpServers 配置中。

{
  "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

来源：README.md，提交 337c21a

工具

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.

输入参数giftloansiteprice必填state必填low_docpurposesavingslocationhouseholdapplicants必填dependants另有 11 个

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.

输入参数price必填state必填new_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.

输入参数price必填state必填locationfirst_home必填single_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.

输入参数lvrlimitpurpose

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.

输入参数giftloanname必填siteemail必填phone必填price必填state必填consent必填low_docpurposesavings另有 16 个

版本历史

1
  1. v1.0.0最新Oct 29, 2026

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