Australian home loan readiness: ~90 lenders' rules, stamp duty, grants, 5% Deposit Scheme, rates
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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.
Purchase price in AUD
State or territory where the property is
One or two borrowers; the first is the main borrower
Never owned property in Australia
Family gift toward the deposit
Loan amount in AUD; if omitted, savings + gift less upfront costs is used as the deposit
Which KeyReady site the report link should open
Self-employed without two years of lodged tax returns
Capital city / regional centre, or elsewhere in the state
Main borrower’s profession — some lenders waive LMI for listed professions
Equifax-style score out of 1200, if known
Main borrower currently lives outside Australia
Personal and car loan balances
Total credit card limits (not balances)
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.
| Argument | Type | Description |
|---|---|---|
| gift | number | Family gift toward the deposit |
| loan | number | Loan amount in AUD; if omitted, savings + gift less upfront costs is used as the deposit |
| site | string | Which KeyReady site the report link should open |
| price* | number | Purchase price in AUD |
| state* | string | State or territory where the property is |
| low_doc | boolean | Self-employed without two years of lodged tax returns |
| purpose | string | |
| savings | number | |
| location | string | Capital city / regional centre, or elsewhere in the state |
| household | string | |
| applicants* | array | One or two borrowers; the first is the main borrower |
| dependants | integer | |
| first_home* | boolean | Never owned property in Australia |
| profession | string | Main borrower’s profession — some lenders waive LMI for listed professions |
| credit_score | integer | Equifax-style score out of 1200, if known |
| hecs_balance | number | |
| property_type | string | |
| lives_overseas | boolean | Main borrower currently lives outside Australia |
| personal_loans | number | Personal and car loan balances |
| credit_defaults | string | |
| income_currency | string | |
| new_or_existing | string | |
| credit_card_limits | number | Total credit card limits (not balances) |
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"applicants",
"first_home",
"state",
"price"
],
"properties": {
"gift": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Family gift toward the deposit"
},
"loan": {
"type": "number",
"minimum": 0,
"description": "Loan amount in AUD; if omitted, savings + gift less upfront costs is used as the deposit"
},
"site": {
"enum": [
"core",
"professionals",
"nurses",
"self-employed",
"expats"
],
"type": "string",
"default": "core",
"description": "Which KeyReady site the report link should open"
},
"price": {
"type": "number",
"maximum": 50000000,
"minimum": 50000,
"description": "Purchase price in AUD"
},
"state": {
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
],
"type": "string",
"description": "State or territory where the property is"
},
"low_doc": {
"type": "boolean",
"default": false,
"description": "Self-employed without two years of lodged tax returns"
},
"purpose": {
"enum": [
"owner",
"investment",
"construction"
],
"type": "string",
"default": "owner"
},
"savings": {
"type": "number",
"default": 0,
"minimum": 0
},
"location": {
"enum": [
"capital",
"regional"
],
"type": "string",
"default": "capital",
"description": "Capital city / regional centre, or elsewhere in the state"
},
"household": {
"enum": [
"single",
"couple",
"family",
"sharing"
],
"type": "string"
},
"applicants": {
"type": "array",
"items": {
"type": "object",
"required": [
"age",
"annual_base_income"
],
"properties": {
"age": {
"type": "integer",
"maximum": 90,
"minimum": 18
},
"residency": {
"enum": [
"citizen",
"permanent_resident",
"nz_citizen",
"awaiting_pr",
"temporary_visa",
"other"
],
"type": "string",
"default": "citizen"
},
"employment": {
"enum": [
"full_time",
"part_time",
"casual",
"contractor",
"self_employed",
"not_working",
"retired"
],
"type": "string",
"default": "full_time"
},
"annual_bonus": {
"type": "number",
"default": 0,
"minimum": 0
},
"months_in_role": {
"type": "integer",
"default": 24,
"maximum": 600,
"minimum": 0,
"description": "Months with the current employer, or months the ABN has been registered if self-employed"
},
"annual_overtime": {
"type": "number",
"default": 0,
"minimum": 0
},
"annual_allowances": {
"type": "number",
"default": 0,
"minimum": 0
},
"annual_commission": {
"type": "number",
"default": 0,
"minimum": 0
},
"annual_base_income": {
"type": "number",
"maximum": 10000000,
"minimum": 0,
"description": "Gross annual base income in AUD (or the equivalent if paid in another currency), excluding super"
}
}
},
"maxItems": 2,
"minItems": 1,
"description": "One or two borrowers; the first is the main borrower"
},
"dependants": {
"type": "integer",
"default": 0,
"maximum": 10,
"minimum": 0
},
"first_home": {
"type": "boolean",
"description": "Never owned property in Australia"
},
"profession": {
"enum": [
"doctor",
"specialist",
"dentist",
"vet",
"pharmacist",
"physio",
"optometrist",
"psychologist",
"nurse",
"midwife",
"allied_health",
"lawyer",
"accountant",
"actuary",
"engineer"
],
"type": "string",
"description": "Main borrower’s profession — some lenders waive LMI for listed professions"
},
"credit_score": {
"type": "integer",
"maximum": 1200,
"minimum": 0,
"description": "Equifax-style score out of 1200, if known"
},
"hecs_balance": {
"type": "number",
"default": 0,
"minimum": 0
},
"property_type": {
"enum": [
"house",
"apartment",
"house_land",
"land"
],
"type": "string",
"default": "house"
},
"lives_overseas": {
"type": "boolean",
"default": false,
"description": "Main borrower currently lives outside Australia"
},
"personal_loans": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Personal and car loan balances"
},
"credit_defaults": {
"enum": [
"no",
"yes",
"unsure"
],
"type": "string",
"default": "no"
},
"income_currency": {
"enum": [
"AUD",
"USD",
"GBP",
"EUR",
"NZD",
"SGD",
"HKD",
"AED",
"CAD",
"JPY",
"CNY",
"other"
],
"type": "string",
"default": "AUD"
},
"new_or_existing": {
"enum": [
"existing",
"new"
],
"type": "string",
"default": "existing"
},
"credit_card_limits": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Total credit card limits (not balances)"
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| price* | number | |
| state* | string | |
| new_home | boolean | Brand-new home, off the plan, or building |
| first_home | boolean | |
| vacant_land | boolean | |
| foreign_buyer | boolean | Buyer is a temporary visa holder or other foreign person |
| owner_occupier | boolean | |
| house_and_land_package | boolean |
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"state",
"price"
],
"properties": {
"price": {
"type": "number",
"maximum": 50000000,
"minimum": 1000
},
"state": {
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
],
"type": "string"
},
"new_home": {
"type": "boolean",
"default": false,
"description": "Brand-new home, off the plan, or building"
},
"first_home": {
"type": "boolean",
"default": false
},
"vacant_land": {
"type": "boolean",
"default": false
},
"foreign_buyer": {
"type": "boolean",
"default": false,
"description": "Buyer is a temporary visa holder or other foreign person"
},
"owner_occupier": {
"type": "boolean",
"default": true
},
"house_and_land_package": {
"type": "boolean",
"default": false
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| price* | number | |
| state* | string | |
| location | string | |
| first_home* | boolean | |
| single_parent | boolean | |
| will_live_in_it | boolean | |
| all_buyers_citizens_or_pr | boolean |
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"state",
"price",
"first_home"
],
"properties": {
"price": {
"type": "number",
"minimum": 1000
},
"state": {
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
],
"type": "string"
},
"location": {
"enum": [
"capital",
"regional"
],
"type": "string",
"default": "capital"
},
"first_home": {
"type": "boolean"
},
"single_parent": {
"type": "boolean",
"default": false
},
"will_live_in_it": {
"type": "boolean",
"default": true
},
"all_buyers_citizens_or_pr": {
"type": "boolean",
"default": true
}
}
}Live variable principal-and-interest home loan rates at a given LVR from lenders’ Open Banking product data (as of 2026-10-25). Lender names are masked.
| Argument | Type | Description |
|---|---|---|
| lvr | number | Loan-to-value ratio, % |
| limit | integer | |
| purpose | string |
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"lvr": {
"type": "number",
"default": 80,
"maximum": 98,
"minimum": 1,
"description": "Loan-to-value ratio, %"
},
"limit": {
"type": "integer",
"default": 10,
"maximum": 25,
"minimum": 1
},
"purpose": {
"enum": [
"owner",
"investment"
],
"type": "string",
"default": "owner"
}
}
}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: 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. Collect their name, email and phone. Never call it on the user’s behalf without that agreement.
| Argument | Type | Description |
|---|---|---|
| gift | number | Family gift toward the deposit |
| loan | number | Loan amount in AUD; if omitted, savings + gift less upfront costs is used as the deposit |
| name* | string | |
| site | string | |
| email* | string | |
| phone* | string | |
| price* | number | Purchase price in AUD |
| state* | string |
| State or territory where the property is |
| consent* | boolean | True only if the user explicitly agreed to the disclosure in this conversation |
| low_doc | boolean | Self-employed without two years of lodged tax returns |
| purpose | string |
| savings | number |
| location | string | Capital city / regional centre, or elsewhere in the state |
| household | string |
| applicants* | array | One or two borrowers; the first is the main borrower |
| dependants | integer |
| first_home* | boolean | Never owned property in Australia |
| profession | string | Main borrower’s profession — some lenders waive LMI for listed professions |
| credit_score | integer | Equifax-style score out of 1200, if known |
| hecs_balance | number |
| property_type | string |
| lives_overseas | boolean | Main borrower currently lives outside Australia |
| personal_loans | number | Personal and car loan balances |
| preferred_time | string |
| credit_defaults | string |
| income_currency | string |
| new_or_existing | string |
| credit_card_limits | number | Total credit card limits (not balances) |
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"applicants",
"first_home",
"state",
"price",
"name",
"email",
"phone",
"consent"
],
"properties": {
"gift": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Family gift toward the deposit"
},
"loan": {
"type": "number",
"minimum": 0,
"description": "Loan amount in AUD; if omitted, savings + gift less upfront costs is used as the deposit"
},
"name": {
"type": "string",
"maxLength": 120,
"minLength": 1
},
"site": {
"enum": [
"core",
"professionals",
"nurses",
"self-employed",
"expats"
],
"type": "string",
"default": "core"
},
"email": {
"type": "string",
"format": "email",
"pattern": "^(?:[A-Za-z0-9_'+\\-]+\\.)*[A-Za-z0-9_'+\\-]*[A-Za-z0-9_+-]@(?:[A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$",
"maxLength": 200
},
"phone": {
"type": "string",
"maxLength": 40,
"minLength": 8
},
"price": {
"type": "number",
"maximum": 50000000,
"minimum": 50000,
"description": "Purchase price in AUD"
},
"state": {
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
],
"type": "string",
"description": "State or territory where the property is"
},
"consent": {
"type": "boolean",
"const": true,
"description": "True only if the user explicitly agreed to the disclosure in this conversation"
},
"low_doc": {
"type": "boolean",
"default": false,
"description": "Self-employed without two years of lodged tax returns"
},
"purpose": {
"enum": [
"owner",
"investment",
"construction"
],
"type": "string",
"default": "owner"
},
"savings": {
"type": "number",
"default": 0,
"minimum": 0
},
"location": {
"enum": [
"capital",
"regional"
],
"type": "string",
"default": "capital",
"description": "Capital city / regional centre, or elsewhere in the state"
},
"household": {
"enum": [
"single",
"couple",
"family",
"sharing"
],
"type": "string"
},
"applicants": {
"type": "array",
"items": {
"type": "object",
"required": [
"age",
"annual_base_income"
],
"properties": {
"age": {
"type": "integer",
"maximum": 90,
"minimum": 18
},
"residency": {
"enum": [
"citizen",
"permanent_resident",
"nz_citizen",
"awaiting_pr",
"temporary_visa",
"other"
],
"type": "string",
"default": "citizen"
},
"employment": {
"enum": [
"full_time",
"part_time",
"casual",
"contractor",
"self_employed",
"not_working",
"retired"
],
"type": "string",
"default": "full_time"
},
"annual_bonus": {
"type": "number",
"default": 0,
"minimum": 0
},
"months_in_role": {
"type": "integer",
"default": 24,
"maximum": 600,
"minimum": 0,
"description": "Months with the current employer, or months the ABN has been registered if self-employed"
},
"annual_overtime": {
"type": "number",
"default": 0,
"minimum": 0
},
"annual_allowances": {
"type": "number",
"default": 0,
"minimum": 0
},
"annual_commission": {
"type": "number",
"default": 0,
"minimum": 0
},
"annual_base_income": {
"type": "number",
"maximum": 10000000,
"minimum": 0,
"description": "Gross annual base income in AUD (or the equivalent if paid in another currency), excluding super"
}
}
},
"maxItems": 2,
"minItems": 1,
"description": "One or two borrowers; the first is the main borrower"
},
"dependants": {
"type": "integer",
"default": 0,
"maximum": 10,
"minimum": 0
},
"first_home": {
"type": "boolean",
"description": "Never owned property in Australia"
},
"profession": {
"enum": [
"doctor",
"specialist",
"dentist",
"vet",
"pharmacist",
"physio",
"optometrist",
"psychologist",
"nurse",
"midwife",
"allied_health",
"lawyer",
"accountant",
"actuary",
"engineer"
],
"type": "string",
"description": "Main borrower’s profession — some lenders waive LMI for listed professions"
},
"credit_score": {
"type": "integer",
"maximum": 1200,
"minimum": 0,
"description": "Equifax-style score out of 1200, if known"
},
"hecs_balance": {
"type": "number",
"default": 0,
"minimum": 0
},
"property_type": {
"enum": [
"house",
"apartment",
"house_land",
"land"
],
"type": "string",
"default": "house"
},
"lives_overseas": {
"type": "boolean",
"default": false,
"description": "Main borrower currently lives outside Australia"
},
"personal_loans": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Personal and car loan balances"
},
"preferred_time": {
"enum": [
"Morning",
"Afternoon",
"Evening",
"Anytime"
],
"type": "string",
"default": "Anytime"
},
"credit_defaults": {
"enum": [
"no",
"yes",
"unsure"
],
"type": "string",
"default": "no"
},
"income_currency": {
"enum": [
"AUD",
"USD",
"GBP",
"EUR",
"NZD",
"SGD",
"HKD",
"AED",
"CAD",
"JPY",
"CNY",
"other"
],
"type": "string",
"default": "AUD"
},
"new_or_existing": {
"enum": [
"existing",
"new"
],
"type": "string",
"default": "existing"
},
"credit_card_limits": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Total credit card limits (not balances)"
}
}
}