Ask Claude, ChatGPT, Gemini and other assistants to check your home-loan readiness. They use the same rules engine as the KeyReady sites: ~90 lenders’ published rules, 2026–27 stamp duty and grants, and the 5% Deposit Scheme. It's free, needs no sign-in, and shares nothing with a broker unless you agree in the chat.
MCP endpoint (Streamable HTTP, no authentication): https://qxqmhwngiubajxefzusb.supabase.co/functions/v1/mcp
Add it to your assistant
Claude (claude.ai, Desktop, mobile): Customize → Connectors → Add custom connector → paste the URL. No sign-in needed.
Claude Code:claude mcp add --transport http keyready https://qxqmhwngiubajxefzusb.supabase.co/functions/v1/mcp
ChatGPT: Settings → Apps & connectors → developer mode → add a custom MCP server with the URL (authentication: none). Referrals ask for confirmation.
Perplexity, Mistral Le Chat, Cursor: Add a custom remote MCP connector with the URL; authentication: none.
Things to ask
“We earn $145k and $80k, have $90k saved and want a $780k house in Brisbane as first home buyers. Which lenders’ rules do we fit, and how much can we borrow?”
“What’s the stamp duty on a $650k established home in Melbourne for a first home buyer?”
“Am I eligible for the 5% Deposit Scheme on a $720k apartment in Perth?”
“I’m a nurse on $98k. Which lenders would waive LMI at 90%, and what changes would help most?”
“Show me the lowest owner-occupier variable rates at 85% LVR.”
Tools
assess_home_loan_readiness
The full readiness check: how many lenders’ published rules the situation fits, borrowing power, LVR, stamp duty and grants, 5% Deposit Scheme eligibility, profession LMI waivers, the fastest fixes, and a link to the full interactive report. Inputs: One or two applicants (age, residency, employment, months in role, income including overtime and bonus); state, capital or regional; purpose; property type; new or existing; price; savings, gift and loan amount; card limits, personal loans and HECS; dependants; credit history; optional profession, living overseas, income currency and low-doc.
calculate_stamp_duty
Exact 2026–27 transfer duty for any state or territory, with first home buyer concessions, owner-occupier rates, the First Home Owner Grant and the foreign purchaser surcharge. Inputs: State, price, and yes/no for first home, owner-occupier, new home, vacant land, house-and-land package and foreign buyer.
check_5_percent_deposit_scheme
Eligibility for the First Home Guarantee (5% deposit) or the Family Home Guarantee (single parents, 2% deposit), with the property price cap for the area. Inputs: State, capital or regional, price, first home, single parent, whether all buyers are citizens or permanent residents, and whether they will live in it.
list_lender_rates
Live variable principal-and-interest rates at a given LVR from lenders’ Open Banking product data. Lender names are masked. Inputs: LVR (%), owner-occupier or investment, and how many to list (up to 25).
refer_to_broker
Sends the situation and contact details to one named broker so they can call. Only runs when the person has explicitly agreed to the disclosure in the conversation. Inputs: The same situation as the readiness check, plus name, email, phone, best time to call and explicit consent.
Privacy and consent
The four checking tools are read-only: your answers are used for the calculation and are not stored.
refer_to_broker is the only tool that saves anything. It needs your explicit agreement in the conversation, sends your details to one named broker only, and is limited to 3 referrals per email address per day.
Lender names are masked, as on the website. Rates come from lenders’ Open Banking data and are refreshed weekly.
General information only: not credit assistance, financial advice or a comparison service. If you ask to be connected, your details and report go to one broker: Goodlend Mortgage Brokers (Credit Representative 556461 of Connective Credit Services Pty Ltd, ACL 389328). We receive a referral fee from the broker if your loan settles. It’s the same whichever lender you choose, and you never pay us.