← The evidence ledger
Evidence row 769373
Observed , by probe.mcp/1.
- Kind
- mcp.tools
- About
- endpoint 83ec78d7-38b5-4c92-bfd7-f8664af1d360
- Recorded
- Previous row
- None: the first of its kind about this subject
- Body SHA-256
- 2ef47047879086334f74117b6a8c467fab4a0c859ffc0208597e2e0571d4f03e
- Leaf
- 0x184cd628a70d5d8eeba394e36e33a6c0cf5565fb4a07dcf7a43e02c8707b0e03
What was observed
{
"count": 5,
"tools": [
{
"description": "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.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"applicants": {
"description": "One or two borrowers; the first is the main borrower",
"items": {
"properties": {
"age": {
"maximum": 90,
"minimum": 18,
"type": "integer"
},
"annual_allowances": {
"default": 0,
"minimum": 0,
"type": "number"
},
"annual_base_income": {
"description": "Gross annual base income in AUD (or the equivalent if paid in another currency), excluding super",
"maximum": 10000000,
"minimum": 0,
"type": "number"
},
"annual_bonus": {
"default": 0,
"minimum": 0,
"type": "number"
},
"annual_commission": {
"default": 0,
"minimum": 0,
"type": "number"
},
"annual_overtime": {
"default": 0,
"minimum": 0,
"type": "number"
},
"employment": {
"default": "full_time",
"enum": [
"full_time",
"part_time",
"casual",
"contractor",
"self_employed",
"not_working",
"retired"
],
"type": "string"
},
"months_in_role": {
"default": 24,
"description": "Months with the current employer, or months the ABN has been registered if self-employed",
"maximum": 600,
"minimum": 0,
"type": "integer"
},
"residency": {
"default": "citizen",
"enum": [
"citizen",
"permanent_resident",
"nz_citizen",
"awaiting_pr",
"temporary_visa",
"other"
],
"type": "string"
}
},
"required": [
"age",
"annual_base_income"
],
"type": "object"
},
"maxItems": 2,
"minItems": 1,
"type": "array"
},
"credit_card_limits": {
"default": 0,
"description": "Total credit card limits (not balances)",
"minimum": 0,
"type": "number"
},
"credit_defaults": {
"default": "no",
"enum": [
"no",
"yes",
"unsure"
],
"type": "string"
},
"credit_score": {
"description": "Equifax-style score out of 1200, if known",
"maximum": 1200,
"minimum": 0,
"type": "integer"
},
"dependants": {
"default": 0,
"maximum": 10,
"minimum": 0,
"type": "integer"
},
"first_home": {
"description": "Never owned property in Australia",
"type": "boolean"
},
"gift": {
"default": 0,
"description": "Family gift toward the deposit",
"minimum": 0,
"type": "number"
},
"hecs_balance": {
"default": 0,
"minimum": 0,
"type": "number"
},
"household": {
"enum": [
"single",
"couple",
"family",
"sharing"
],
"type": "string"
},
"income_currency": {
"default": "AUD",
"enum": [
"AUD",
"USD",
"GBP",
"EUR",
"NZD",
"SGD",
"HKD",
"AED",
"CAD",
"JPY",
"CNY",
"other"
],
"type": "string"
},
"lives_overseas": {
"default": false,
"description": "Main borrower currently lives outside Australia",
"type": "boolean"
},
"loan": {
"description": "Loan amount in AUD; if omitted, savings + gift less upfront costs is used as the deposit",
"minimum": 0,
"type": "number"
},
"location": {
"default": "capital",
"description": "Capital city / regional centre, or elsewhere in the state",
"enum": [
"capital",
"regional"
],
"type": "string"
},
"low_doc": {
"default": false,
"description": "Self-employed without two years of lodged tax returns",
"type": "boolean"
},
"new_or_existing": {
"default": "existing",
"enum": [
"existing",
"new"
],
"type": "string"
},
"personal_loans": {
"default": 0,
"description": "Personal and car loan balances",
"minimum": 0,
"type": "number"
},
"price": {
"description": "Purchase price in AUD",
"maximum": 50000000,
"minimum": 50000,
"type": "number"
},
"profession": {
"description": "Main borrower’s profession. Some lenders waive LMI for listed professions.",
"enum": [
"doctor",
"specialist",
"dentist",
"vet",
"pharmacist",
"physio",
"optometrist",
"psychologist",
"nurse",
"midwife",
"allied_health",
"lawyer",
"accountant",
"actuary",
"engineer"
],
"type": "string"
},
"property_type": {
"default": "house",
"enum": [
"house",
"apartment",
"land",
"house_land"
],
"type": "string"
},
"purpose": {
"default": "owner",
"enum": [
"owner",
"investment",
"construction"
],
"type": "string"
},
"savings": {
"default": 0,
"minimum": 0,
"type": "number"
},
"site": {
"default": "core",
"description": "Which KeyReady site the report link should open",
"enum": [
"core",
"professionals",
"nurses",
"self-employed",
"expats"
],
"type": "string"
},
"state": {
"description": "State or territory where the property is",
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
],
"type": "string"
}
},
"required": [
"applicants",
"first_home",
"state",
"price"
],
"type": "object"
},
"name": "assess_home_loan_readiness"
},
{
"description": "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.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"first_home": {
"default": false,
"type": "boolean"
},
"foreign_buyer": {
"default": false,
"description": "Buyer is a temporary visa holder or other foreign person",
"type": "boolean"
},
"house_and_land_package": {
"default": false,
"type": "boolean"
},
"new_home": {
"default": false,
"description": "Brand-new home, off the plan, or building",
"type": "boolean"
},
"owner_occupier": {
"default": true,
"type": "boolean"
},
"price": {
"maximum": 50000000,
"minimum": 1000,
"type": "number"
},
"state": {
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
],
"type": "string"
},
"vacant_land": {
"default": false,
"type": "boolean"
}
},
"required": [
"state",
"price"
],
"type": "object"
},
"name": "calculate_stamp_duty"
},
{
"description": "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.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"all_buyers_citizens_or_pr": {
"default": true,
"type": "boolean"
},
"first_home": {
"type": "boolean"
},
"location": {
"default": "capital",
"enum": [
"capital",
"regional"
],
"type": "string"
},
"price": {
"minimum": 1000,
"type": "number"
},
"single_parent": {
"default": false,
"type": "boolean"
},
"state": {
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
],
"type": "string"
},
"will_live_in_it": {
"default": true,
"type": "boolean"
}
},
"required": [
"state",
"price",
"first_home"
],
"type": "object"
},
"name": "check_5_percent_deposit_scheme"
},
{
"description": "Live variable principal-and-interest home loan rates, each with its comparison rate, at a given LVR from lenders’ Open Banking product data (as of 2026-10-27). Lender names are masked. Always show the comparison rate beside each rate, with the warning returned.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"limit": {
"default": 10,
"maximum": 25,
"minimum": 1,
"type": "integer"
},
"lvr": {
"default": 80,
"description": "Loan-to-value ratio, %",
"maximum": 98,
"minimum": 1,
"type": "number"
},
"purpose": {
"default": "owner",
"enum": [
"owner",
"investment"
],
"type": "string"
}
},
"type": "object"
},
"name": "list_lender_rates"
},
{
"description": "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.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"applicants": {
"description": "One or two borrowers; the first is the main borrower",
"items": {
"properties": {
"age": {
"maximum": 90,
"minimum": 18,
"type": "integer"
},
"annual_allowances": {
"default": 0,
"minimum": 0,
"type": "number"
},
"annual_base_income": {
"description": "Gross annual base income in AUD (or the equivalent if paid in another currency), excluding super",
"maximum": 10000000,
"minimum": 0,
"type": "number"
},
"annual_bonus": {
"default": 0,
"minimum": 0,
"type": "number"
},
"annual_commission": {
"default": 0,
"minimum": 0,
"type": "number"
},
"annual_overtime": {
"default": 0,
"minimum": 0,
"type": "number"
},
"employment": {
"default": "full_time",
"enum": [
"full_time",
"part_time",
"casual",
"contractor",
"self_employed",
"not_working",
"retired"
],
"type": "string"
},
"months_in_role": {
"default": 24,
"description": "Months with the current employer, or months the ABN has been registered if self-employed",
"maximum": 600,
"minimum": 0,
"type": "integer"
},
"residency": {
"default": "citizen",
"enum": [
"citizen",
"permanent_resident",
"nz_citizen",
"awaiting_pr",
"temporary_visa",
"other"
],
"type": "string"
}
},
"required": [
"age",
"annual_base_income"
],
"type": "object"
},
"maxItems": 2,
"minItems": 1,
"type": "array"
},
"consent": {
"const": true,
"description": "True only if the user explicitly agreed to the disclosure in this conversation",
"type": "boolean"
},
"credit_card_limits": {
"default": 0,
"description": "Total credit card limits (not balances)",
"minimum": 0,
"type": "number"
},
"credit_defaults": {
"default": "no",
"enum": [
"no",
"yes",
"unsure"
],
"type": "string"
},
"credit_score": {
"description": "Equifax-style score out of 1200, if known",
"maximum": 1200,
"minimum": 0,
"type": "integer"
},
"dependants": {
"default": 0,
"maximum": 10,
"minimum": 0,
"type": "integer"
},
"email": {
"format": "email",
"maxLength": 200,
"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,}$",
"type": "string"
},
"first_home": {
"description": "Never owned property in Australia",
"type": "boolean"
},
"gift": {
"default": 0,
"description": "Family gift toward the deposit",
"minimum": 0,
"type": "number"
},
"hecs_balance": {
"default": 0,
"minimum": 0,
"type": "number"
},
"household": {
"enum": [
"single",
"couple",
"family",
"sharing"
],
"type": "string"
},
"income_currency": {
"default": "AUD",
"enum": [
"AUD",
"USD",
"GBP",
"EUR",
"NZD",
"SGD",
"HKD",
"AED",
"CAD",
"JPY",
"CNY",
"other"
],
"type": "string"
},
"lives_overseas": {
"default": false,
"description": "Main borrower currently lives outside Australia",
"type": "boolean"
},
"loan": {
"description": "Loan amount in AUD; if omitted, savings + gift less upfront costs is used as the deposit",
"minimum": 0,
"type": "number"
},
"location": {
"default": "capital",
"description": "Capital city / regional centre, or elsewhere in the state",
"enum": [
"capital",
"regional"
],
"type": "string"
},
"low_doc": {
"default": false,
"description": "Self-employed without two years of lodged tax returns",
"type": "boolean"
},
"name": {
"maxLength": 120,
"minLength": 1,
"type": "string"
},
"new_or_existing": {
"default": "existing",
"enum": [
"existing",
"new"
],
"type": "string"
},
"personal_loans": {
"default": 0,
"description": "Personal and car loan balances",
"minimum": 0,
"type": "number"
},
"phone": {
"maxLength": 40,
"minLength": 8,
"type": "string"
},
"preferred_time": {
"default": "Anytime",
"enum": [
"Morning",
"Afternoon",
"Evening",
"Anytime"
],
"type": "string"
},
"price": {
"description": "Purchase price in AUD",
"maximum": 50000000,
"minimum": 50000,
"type": "number"
},
"profession": {
"description": "Main borrower’s profession. Some lenders waive LMI for listed professions.",
"enum": [
"doctor",
"specialist",
"dentist",
"vet",
"pharmacist",
"physio",
"optometrist",
"psychologist",
"nurse",
"midwife",
"allied_health",
"lawyer",
"accountant",
"actuary",
"engineer"
],
"type": "string"
},
"property_type": {
"default": "house",
"enum": [
"house",
"apartment",
"land",
"house_land"
],
"type": "string"
},
"purpose": {
"default": "owner",
"enum": [
"owner",
"investment",
"construction"
],
"type": "string"
},
"savings": {
"default": 0,
"minimum": 0,
"type": "number"
},
"site": {
"default": "core",
"enum": [
"core",
"professionals",
"nurses",
"self-employed",
"expats"
],
"type": "string"
},
"state": {
"description": "State or territory where the property is",
"enum": [
"NSW",
"VIC",
"QLD",
"WA",
"SA",
"TAS",
"ACT",
"NT"
],
"type": "string"
}
},
"required": [
"applicants",
"first_home",
"state",
"price",
"name",
"email",
"phone",
"consent"
],
"type": "object"
},
"name": "refer_to_broker"
}
]
}What the leaf hashes
{"body":"2ef47047879086334f74117b6a8c467fab4a0c859ffc0208597e2e0571d4f03e","id":769373,"kind":"mcp.tools","method":"probe.mcp/1","observed_us":1793182399021248,"prev":null,"subject":"83ec78d7-38b5-4c92-bfd7-f8664af1d360","subject_kind":"endpoint"}Proof
Fold these into the leaf in order, hashing each sorted pair with keccak256, to reach the root of (231336 rows).
- 0x184d1d5cb2c7e705eb7569eb6e75cccd94b8a446bc1f310136ecc8f01922c5bd
- 0x51516293281eaf556db3e492a6bd6f205afef38edf0abd2c44910614e98bf6dc
- 0x95548abdf28ebeabd12e4a8fb27a45e2dace79ffcc9879a52e1f41949ee4346b
- 0x268863be1fa7b9ab7c333d69dc4aabeceab8f805a2fef887b6e64b54e07395ac
- 0x65d9b7d2523a4ed95d6b341dc9770f90144739da892d71d93f72e5d4c66471ab
- 0x2fcbdeacc7c8e08b41c864f7486ae16c8672912698f77c76a12e8e4af1ba1314
- 0x4e0c8c0d18234679a62905dd1191ccb3f19c44ce16ff83876c22359fac135031
- 0x7174ab4277bd214aac9e370e4d394b194caab6c964f674263ed4a923d43c35c2
- 0xc2cc9e26aa1ecdbee4ac80f84f171e167d6ffa4a2ca18088f84b9fe72768f4fc
- 0x9b7b9d8dda7c220df0ca267672526d4d1c229056b498259901fcb24d0695348f
- 0xd21bac10c37c21d874d47f4bdbadd7ae9fcf029d8c939b2e2cf0430563243bb9
- 0xa2011ec090b04bf20aadc26c8c5a1305820a1b59c5874e13fd045a5320fbfce2
- 0xc2a06f976a80758d370e062c6f956943e28355b887490c4b90873d317e990ba9
- 0xdf8e9d4c523b87b2bea3cc4d461fe94e163080e98a261c596a4641e3fcaf7cc4
- 0x4698ebc7cbcb2286f661b867355eb6a9183e884482ee16965889e886b17d19ac
- 0x35e8995c30094446ec790423171382fccb377081b921295b0ae3840cc2c4f52c
- 0xf078ea7d84d98dbeffed23d8e67b36751e60464ffd4cfdc005e0aa6f8cb9b459
- 0xe027395fafb7fc41921c42ca0542524ea22204cbd5908b70b27f3d5fb26f5d0f
- Day root
- 0x2c19037464cc4c493624565f01775d6446fc78eaa118fc6865bfe2bfca9ff78e
- Chained
- 0xd1d7dee8322ceff8f4c8d83aa1fe4a4466825c2af1c97dbde3d35db61234f7be
- Published
- On Arc Testnet, block 69584042: 0x8bae2b1d097834c8b458513862d70d29ee807e98dc2e863b27250131c15b35ae