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        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
  <url>
    <loc>https://home-loans.co.nz/</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/quiz</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/results</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Calculator Pages -->
  <url>
    <loc>https://home-loans.co.nz/how-much-can-i-borrow</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/mortgage-repayment-calculator</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/refinancing-calculator</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/deposit-calculator</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/mortgage-calculator</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Guide Pages -->
  <url>
    <loc>https://home-loans.co.nz/first-home-buyers</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/refinancing</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/fixed-vs-floating</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/investment-property</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/low-deposit-loans</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/debt-consolidation</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/home-equity</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Rate & Bank Pages -->
  <url>
    <loc>https://home-loans.co.nz/mortgage-rates</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/best-banks</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/mortgage-brokers</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Individual Bank Pages -->
  <url>
    <loc>https://home-loans.co.nz/banks/anz</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/banks/asb</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/banks/bnz</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/banks/westpac</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/banks/kiwibank</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://home-loans.co.nz/privacy-policy</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/terms</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://home-loans.co.nz/disclaimer</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
