# KeyReady — Australian home loan readiness (remote · mcp.keyready.au)

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

- Trust score: 71/100 (medium)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `mcp.keyready.au`: 71/100 (this document), [markdown](https://verifymcp.io/servers/silas-dsc-keyready/mcp.md), [page](https://verifymcp.io/servers/silas-dsc-keyready/mcp)

## Channel facts

- Endpoint: `https://mcp.keyready.au/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 44/100
  - AI-judged instruction clarity (fair).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 30/100
  - Stability observed for 9 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 82/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 45% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - All 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation.
  - An AI judge read all 6 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### 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.

### Claude

```bash
claude mcp add --transport http silas-dsc-keyready 'https://mcp.keyready.au/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "silas-dsc-keyready": {
      "url": "https://mcp.keyready.au/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "silas-dsc-keyready": {
      "type": "http",
      "url": "https://mcp.keyready.au/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.silas-dsc-keyready]
url = "https://mcp.keyready.au/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "silas-dsc-keyready": {
      "type": "remote",
      "url": "https://mcp.keyready.au/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add silas-dsc-keyready --url 'https://mcp.keyready.au/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  silas-dsc-keyready:
    url: "https://mcp.keyready.au/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "silas-dsc-keyready": {
      "Transport": "http",
      "Url": "https://mcp.keyready.au/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add silas-dsc-keyready -t streamable-http -u 'https://mcp.keyready.au/mcp'
```

### Other

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

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 71, +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.

### 2026-11-03 (score 70, +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.

### 2026-11-02 (score 69, 0)

- [security] Tool “list_lender_rates” rewrote its description, which is the text the model reads

### 2026-11-01 (score 69, +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.

### 2026-10-30 (score 68, +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.

### 2026-10-29 (score 67, 0)

- [cosmetic] “assess_home_loan_readiness” reworded the description of “profession”
- [cosmetic] “refer_to_broker” reworded the description of “profession”

### 2026-10-28 (score 67, +1)

- [security] Tool “list_lender_rates” rewrote its description, which is the text the model reads
- [functional improvement] Stability: unverified → 0.03

### 2026-10-27 (score 66)

First indexed and scored.

## MCP tools (5)

### `assess_home_loan_readiness` (~370 tokens)

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.

Input parameters:

- `applicants` (array, required): 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, required): 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, required): 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, required): State or territory where the property is

### `calculate_stamp_duty` (~137 tokens)

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.

Input parameters:

- `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, required)
- `state` (string, required)
- `vacant_land` (boolean)

### `check_5_percent_deposit_scheme` (~112 tokens)

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.

Input parameters:

- `all_buyers_citizens_or_pr` (boolean)
- `first_home` (boolean, required)
- `location` (string)
- `price` (number, required)
- `single_parent` (boolean)
- `state` (string, required)
- `will_live_in_it` (boolean)

### `list_lender_rates` (~95 tokens)

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 2026-11-01). Lender names are masked. Always show the comparison rate beside each rate, with the warning returned.

Input parameters:

- `limit` (integer)
- `lvr` (number): Loan-to-value ratio, %
- `purpose` (string)

### `refer_to_broker` (~540 tokens)

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.

Input parameters:

- `applicants` (array, required): One or two borrowers; the first is the main borrower
- `consent` (boolean, required): 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)
- `email` (string, required)
- `first_home` (boolean, required): 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, required)
- `new_or_existing` (string)
- `personal_loans` (number): Personal and car loan balances
- `phone` (string, required)
- `preferred_time` (string)
- `price` (number, required): 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, required): State or territory where the property is

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/silas-dsc-keyready/mcp#diagnostics

## Score history

- 2026-11-05: 71
- 2026-11-04: 70
- 2026-11-03: 70
- 2026-11-02: 69
- 2026-11-01: 69
- 2026-10-31: 68
- 2026-10-30: 68
- 2026-10-29: 67
- 2026-10-28: 67
- 2026-10-27: 66

## Common questions

### 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.

## Links

- Remote endpoint: https://mcp.keyready.au/mcp
- Repository: https://github.com/silas-dsc/keyready
- Website: https://keyready.au/mcp/
- Changelog RSS feed: https://verifymcp.io/servers/silas-dsc-keyready/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/silas-dsc-keyready/mcp.json
- HTML version of this page: https://verifymcp.io/servers/silas-dsc-keyready/mcp