KeyReady · Free · No signup · Stays on your device

Get mortgage-ready before you talk to anyone.

KeyReady — the free money app by Equilend — reads your bank statements, sorts your spending, and shows you how a lender would see your numbers. All on your own device, with no account and nothing uploaded.

Not buying yet? KeyReady is a complete budgeting app on its own — upcoming bills, budgets, subscription leaks — free forever, no catch. The mortgage tools wait until you want them.

Open the free app How it works

Your bank statements never leave your phone.

Everything the app reads is stored in your browser, on your device — we don't run a database of your transactions, and there's nothing of yours on our servers to lose or leak. The one time anything is sent anywhere is if you choose to send your pre-approval pack to us, with your explicit consent. Clear your browser data and it's gone; the app will tell you how to back it up first.

What's in the app

A budgeting app built by people who read bank statements for a living.

Statement import

Bring in CSV or PDF statements from seven Australian banks. No bank logins, no screen-scraping — just the files you already have.

Smart categorisation

Transactions sort themselves into the categories lenders care about — and the app flags subscriptions quietly leaking money every month.

Budget planner

Set a plan against your real spending, not a guess. See where the money goes and what's left to put towards a deposit.

Readiness score

A lender-style read on how your income, spending and savings would look to a bank — before a bank ever looks.

First-home deposit tracking

Watch your deposit build against your target, with the savings pattern lenders want to see already taking shape.

Refinance checker

Already have a loan? The app keeps an eye on your repayments and tells you when it might be worth checking the market.

How it works

How it gets you loan-ready.

  1. 01

    Import your statements

    Export CSV or PDF statements from your bank and drop them in. The app reads, sorts and categorises everything on your device.

  2. 02

    See your readiness

    Your readiness score shows how your numbers would look to a lender — and what to tidy up before anyone runs a real assessment.

  3. 03

    Send your pack when you're ready

    When the numbers look right, you can choose to send your pre-approval pack to us. Nothing moves until you say so.

Open the free app

App questions

Fair questions.

Is it really free?

Yes — no cost, no trial, no premium tier. We're a mortgage brokerage, and the app is how we help you get ready before you borrow. If you later choose to send us your pre-approval pack and take out a loan, we're paid a commission by the lender on settlement, disclosed up front — the same way our broking service has always worked.

Where does my data go?

Nowhere. Your statements and transactions are stored in your browser, on your device — they're never uploaded to our servers. The only exception is the one you control: if you choose to send your pre-approval pack to Equilend, that pack is sent with your explicit consent, and nothing else goes with it.

Do I need an account?

No. The app works without any signup at all. There's an optional email sign-in, used only if you want to send your pre-approval pack to us — budgeting, importing and tracking all work without it.

Which banks are supported?

The app reads CSV and PDF statement exports from seven Australian banks, including the majors. The current list is shown on the import screen inside the app, and we're adding more formats over time.

Working out what to save first? The free deposit cheatsheet covers deposit sizes, LMI thresholds and government schemes — or run your borrowing power while the app does the tracking.

Take the next step

Twenty minutes with your real numbers beats any estimate.

When the app says you're ready — or you'd rather just ask — book a free call and we'll check your numbers against 40+ real lender policies.

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