KeyReady — Australian home loan readiness
REMOTE · MCP.KEYREADY.AU
Australian home loan readiness: ~90 lenders' rules, stamp duty, grants, 5% Deposit Scheme, rates
Available components
Last scanned (5 hours ago)
Scores higher than 57% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security80
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability44
- AI-judged instruction clarity (fair).Partial
- Context-footprint check failed: tool/resource definitions use about 1478 tokens (~295/item across 5 items; 5 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management30
- Stability observed for 9 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage82
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 45% of tool parameters carry a description.Partial
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- All 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation.Pass
- An AI judge read all 6 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 5 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 27 to 30. That category is still filling its 30-day observation window: 8 days of observed history at the previous scan, 9 at this one. The score rises as the window fills, whether or not the server changes.
- 3 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.
- 2 Nov 26 0
- Tool “list_lender_rates” rewrote its description, which is the text the model reads security
- 1 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.
- 30 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.
- 29 Oct 26 0
- “assess_home_loan_readiness” reworded the description of “profession” cosmetic
- “refer_to_broker” reworded the description of “profession” cosmetic
2 cosmetic changes on this day. Switch on “Show cosmetic changes” to see them.
- 28 Oct 26 +1
- Tool “list_lender_rates” rewrote its description, which is the text the model reads security
- Stability: unverified → 0.03 ▲ functional
- 27 Oct 26 66
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 5 Nov 2026 · Probed https://mcp.keyready.au/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=keyready.au | CN=WE1,O=Google Trust Services,C=US | 27 Oct 2026 | 25 Jan 2027 | ECDSA 256 | ECDSA-SHA256 | cbabb2e614544d280eefe945ceb7428e |
| SANs: keyready.au, mcp.keyready.au, *.mcp.keyready.au | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of mcp.keyready.au. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| au. | present | 26642 | 8 | Verified |
| keyready.au. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=31536000; includeSubDomains; preload |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://mcp.keyready.au/mcp | Verified | 200 | |
| http (plaintext) | http://mcp.keyready.au/mcp | HTTPS enforced | 302 | https://keyready.au/mcp/ |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
assess_home_loan_readiness Assess home loan readiness ~370
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.
| Name | Type | Req | Description |
|---|---|---|---|
| applicants | array | yes | One or two borrowers; the first is the main borrower |
| credit_card_limits | number | – | Total credit card limits (not balances) |
| credit_defaults | string | – | – |
| credit_score | integer | – | Equifax-style score out of 1200, if known |
| dependants | integer | – | – |
| first_home | boolean | yes | Never owned property in Australia |
| gift | number | – | Family gift toward the deposit |
| hecs_balance | number | – | – |
| household | string | – | – |
| income_currency | string | – | – |
| lives_overseas | boolean | – | Main borrower currently lives outside Australia |
| loan | number | – | Loan amount in AUD; if omitted, savings + gift less upfront costs is used as the deposit |
| location | string | – | Capital city / regional centre, or elsewhere in the state |
| low_doc | boolean | – | Self-employed without two years of lodged tax returns |
| new_or_existing | string | – | – |
| personal_loans | number | – | Personal and car loan balances |
| price | number | yes | Purchase price in AUD |
| profession | string | – | Main borrower’s profession. Some lenders waive LMI for listed professions. |
| property_type | string | – | – |
| purpose | string | – | – |
| savings | number | – | – |
| site | string | – | Which KeyReady site the report link should open |
| state | string | yes | State or territory where the property is |
No output schema declared.
No examples provided.
calculate_stamp_duty Calculate stamp duty and grants ~137
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.
| Name | Type | Req | Description |
|---|---|---|---|
| first_home | boolean | – | – |
| foreign_buyer | boolean | – | Buyer is a temporary visa holder or other foreign person |
| house_and_land_package | boolean | – | – |
| new_home | boolean | – | Brand-new home, off the plan, or building |
| owner_occupier | boolean | – | – |
| price | number | yes | – |
| state | string | yes | – |
| vacant_land | boolean | – | – |
No output schema declared.
No examples provided.
check_5_percent_deposit_scheme Check 5% Deposit Scheme eligibility ~112
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.
| Name | Type | Req | Description |
|---|---|---|---|
| all_buyers_citizens_or_pr | boolean | – | – |
| first_home | boolean | yes | – |
| location | string | – | – |
| price | number | yes | – |
| single_parent | boolean | – | – |
| state | string | yes | – |
| will_live_in_it | boolean | – | – |
No output schema declared.
No examples provided.
list_lender_rates List lender rates ~95
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.
| Name | Type | Req | Description |
|---|---|---|---|
| limit | integer | – | – |
| lvr | number | – | Loan-to-value ratio, % |
| purpose | string | – | – |
No output schema declared.
No examples provided.
refer_to_broker Refer to a mortgage broker (with consent) ~540
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.
| Name | Type | Req | Description |
|---|---|---|---|
| applicants | array | yes | One or two borrowers; the first is the main borrower |
| consent | boolean | yes | True only if the user explicitly agreed to the disclosure in this conversation |
| credit_card_limits | number | – | Total credit card limits (not balances) |
| credit_defaults | string | – | – |
| credit_score | integer | – | Equifax-style score out of 1200, if known |
| dependants | integer | – | – |
| string | yes | – | |
| first_home | boolean | yes | Never owned property in Australia |
| gift | number | – | Family gift toward the deposit |
| hecs_balance | number | – | – |
| household | string | – | – |
| income_currency | string | – | – |
| lives_overseas | boolean | – | Main borrower currently lives outside Australia |
| loan | number | – | Loan amount in AUD; if omitted, savings + gift less upfront costs is used as the deposit |
| location | string | – | Capital city / regional centre, or elsewhere in the state |
| low_doc | boolean | – | Self-employed without two years of lodged tax returns |
| name | string | yes | – |
| new_or_existing | string | – | – |
| personal_loans | number | – | Personal and car loan balances |
| phone | string | yes | – |
| preferred_time | string | – | – |
| price | number | yes | Purchase price in AUD |
| profession | string | – | Main borrower’s profession. Some lenders waive LMI for listed professions. |
| property_type | string | – | – |
| purpose | string | – | – |
| savings | number | – | – |
| site | string | – | – |
| state | string | yes | State or territory where the property is |
No output schema declared.
No examples provided.
How do I install the KeyReady — Australian home loan readiness MCP server?
KeyReady — Australian home loan readiness is a hosted endpoint at https://mcp.keyready.au/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · mcp.keyready.au
claude mcp add --transport http silas-dsc-keyready 'https://mcp.keyready.au/mcp'
What is the KeyReady — Australian home loan readiness MCP server?
KeyReady — Australian home loan readiness is an MCP server listed in the public MCP registry as io.github.silas-dsc/keyready. Australian home loan readiness: ~90 lenders' rules, stamp duty, grants, 5% Deposit Scheme, rates. This page covers its hosted endpoint (https://mcp.keyready.au/mcp).
Is the KeyReady — Australian home loan readiness MCP server safe to use?
KeyReady — Australian home loan readiness scores 71 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the KeyReady — Australian home loan readiness MCP server expose?
KeyReady — Australian home loan readiness exposes 5 tools: assess_home_loan_readiness, calculate_stamp_duty, check_5_percent_deposit_scheme, list_lender_rates, refer_to_broker. Their descriptions and schemas cost roughly 1,254 tokens of context every time the server is loaded.
Does the KeyReady — Australian home loan readiness MCP server require authentication?
No. We connected to KeyReady — Australian home loan readiness without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the KeyReady — Australian home loan readiness MCP server still maintained?
KeyReady — Australian home loan readiness is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.