KeyReady — Australian home loan readiness

io.github.silas-dsc由 GitHub 帳號 silas-dsc 發布v1.0.0更新於 Oct 29, 2026

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

已驗證Streamable HTTP可網頁執行位置與生活金融

概覽

AI 產生的概覽

遠端 MCP 伺服器，依約 90 家貸款機構的公開規則評估澳洲購屋者狀況，提供可貸額度、印花稅與利率參考。

可以做什麼
  • 依各貸款機構規則評估借款人，回傳符合家數、借款能力、LVR、補助、方案資格與最快改善項目
  • 計算任一州或領地 2026–27 年度精確印花稅，含首次購屋優惠與外國買家附加稅
  • 查核 5% 頭期款方案與家庭住宅保證資格，含所在區域房價上限
  • 依指定 LVR 列出即時浮動本息攤還利率及比較利率，貸款機構名稱已遮蔽
  • 在使用者明確同意後，將使用者狀況與評估報告傳送給指定房貸經紀
適用情境
適合使用者詢問澳洲房貸可負擔性、頭期款方案、印花稅或目前利率，並希望取得參考數字而非一般性建議時。適用於首次購屋者、尋求 LMI 豁免的專業人士、護理人員、自營借款人和海外澳洲人。
執行需求
遠端 streamable HTTP 端點；未宣告需要安裝套件、帳號、API 金鑰或環境變數。需要能連線至該託管端點的網路。
安裝前請注意
結果為參考性一般資訊，不構成信貸建議或推薦。經紀轉介工具會將使用者狀況與報告傳送給商業房貸經紀，該經紀向營運方支付佣金，因此僅在使用者已看到揭露並明確同意後呼叫。利率結果中貸款機構名稱已遮蔽。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 KeyReady — Australian home loan readiness，將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable，透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式，或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南，先向你展示發布者、端點和登入方式，經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/io.github.silas-dsc%2Fkeyready/install.md，並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前，先告訴我它的發布者、端點和登入方式，等我確認。不要把 API 金鑰寫進命令或我會提交的檔案；問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

{
  "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

來源：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.

輸入參數giftloansiteprice必填state必填low_docpurposesavingslocationhouseholdapplicants必填dependants另有 11 個

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.

輸入參數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.

輸入參數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.

輸入參數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.

輸入參數giftloanname必填siteemail必填phone必填price必填state必填consent必填low_docpurposesavings另有 16 個

版本歷史

1
  1. v1.0.0最新Oct 29, 2026

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