# KeyReady — Australian home loan readiness

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

- name: io.github.silas-dsc/keyready
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 96/100
- quality: 93/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.github.silas-dsc%2Fkeyready
- tools: https://api.protogrid.dev/v1/servers/io.github.silas-dsc%2Fkeyready/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "keyready": {
      "type": "http",
      "url": "https://mcp.keyready.au/mcp"
    }
  }
}
```


## Trust

- hygiene: 100
- liveness: 97
- freshness: 100
- provenance: 90
- drivers: +repository +namespace-matches-repo +website +reachable +uptime-92% +updated-17d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 93/100 (strong)

### protocol: 88 (weight 25)

- pass `protocol.modern`: supports 2026-07-28 (server/discover)
- pass `protocol.stateless`: answers without a session
- pass `protocol.transport`: streamable HTTP
- warn `protocol.list_ttl`: tools/list declares ttlMs 0, so clients re-fetch it on every use

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 94 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 5 of 5 tools declare readOnlyHint or destructiveHint
- warn `tools.directory_hints`: 1 of 5 tools declare all four hints; missing: calculate_stamp_duty (destructiveHint); check_5_percent_deposit_scheme (destructiveHint); list_lender_rates (destructiveHint); …
- pass `tools.token_cost`: about 2,964 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump
- pass `tools.hidden_text`: no hidden text in tool names, descriptions, schemas or annotations

### stability: 100 (weight 15)

- pass `stability.changes`: 5 tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name
- pass `stability.new_links`: no tool change named a new site

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 5, about 2,964 tokens to load them all
- tool set hash: c13c53f2367faff241b4443730918caa
- tools last changed: 2026-11-09T12:40:48.693Z
- badge: [![protogrid quality](https://protogrid.dev/badge/io.github.silas-dsc/keyready.svg)](https://protogrid.dev/servers/io.github.silas-dsc/keyready)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-11-09 `list_lender_rates` changed (description)
  - before: 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 2026-11-01). Lender names are masked. Always show the comparison rate beside each rate, with the warning returned.
  - after: 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 2026-11-08). Lender names are masked. Always show the comparison rate beside each rate, with the warning returned.
- 2026-11-01 `list_lender_rates` changed (description)
  - before: 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.
  - after: 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 2026-11-01). Lender names are masked. Always show the comparison rate beside each rate, with the warning returned.
- 2026-10-28 `refer_to_broker` changed (inputSchema)
- 2026-10-28 `list_lender_rates` changed (description)
  - before: Live variable principal-and-interest home loan rates at a given LVR from lenders’ Open Banking product data (as of 2026-10-25). Lender names are masked.
  - after: 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.
- 2026-10-28 `assess_home_loan_readiness` changed (inputSchema)

Full history: https://api.protogrid.dev/v1/servers/io.github.silas-dsc%2Fkeyready/changes

## Remotes

- https://mcp.keyready.au/mcp (streamable-http, auth none, reachable true, uptime30d 0.9230769)

## Packages

_none_

## Tools (5)

- `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.
- `calculate_stamp_duty`: 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.
- `check_5_percent_deposit_scheme`: 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.
- `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 2026-11-08). Lender names are masked. Always show the comparison rate beside each rate, with the warning returned.
- `refer_to_broker`: 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.