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e:loc><image:title>USA_Elections_</image:title></image:image><lastmod>2024-11-18T18:40:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/10/22/ask-the-expert-steve-garganis-on-future-bidding-wars-and-why-the-feds-should-allow-40-year-amortizations/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/10/housing_image_v1_.webp</image:loc><image:title>Housing_image_v1_</image:title></image:image><lastmod>2024-10-22T16:38:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/10/15/why-everyone-should-choose-the-longest-amortization-possible/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/10/amortization-2117112780-e1729006489346.jpg</image:loc><image:title>amortization</image:title></image:image><lastmod>2024-10-15T18:33:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/10/03/the-great-mortgage-reset-4/</loc><lastmod>2024-10-03T20:34:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/10/01/the-great-mortgage-reset-3/</loc><lastmod>2024-10-01T17:51:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/09/26/the-great-mortgage-reset-2/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/restet2-7.png</image:loc><image:title>restet2</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/restet2-6.png</image:loc><image:title>restet2</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/restet2-5.png</image:loc><image:title>restet2</image:title></image:image><lastmod>2024-09-26T19:23:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/09/24/the-great-mortgage-reset/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/the-great-mortgage-2-1.png</image:loc><image:title>The great Mortgage #2</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/the-great-mortgage-3-1.png</image:loc><image:title>The great Mortgage #3</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/the-great-mortgage-4-1.png</image:loc><image:title>The great Mortgage #4</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/the-great-mortgage-1-1.png</image:loc><image:title>The great Mortgage #1</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/the-great-mortgage-reset-part-1-of-4.png</image:loc><image:title>the-great-mortgage-reset-part-1-of-4</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/the-grate-mortgage-reset-part-1-of-4.png</image:loc><image:title>the-grate-mortgage-reset-part-1-of-4</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/image-1.png</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/image.png</image:loc><image:title>image</image:title></image:image><lastmod>2024-09-24T18:55:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/09/20/10-up-and-3-down-unintended-consequences/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/fixed-vs-var.jpg</image:loc><image:title>fixed vs var</image:title></image:image><lastmod>2024-09-20T18:49:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/09/18/new-1-5-million-price-cap-30-year-extended-amortization-is-it-enough/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/09/amotization.jpg</image:loc><image:title>amotization</image:title></image:image><lastmod>2024-09-18T21:08:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/07/25/bank-of-canada-rate-cut-july-2024-impact-on-mortgages-and-economy/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/07/image.png</image:loc><image:title>image</image:title></image:image><lastmod>2024-07-25T13:57:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/07/16/as-expected-rates-are-beginning-to-fall/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/07/rates-are-falling1.jpg</image:loc><image:title>Magnifying glass and calculator on interest rates graph</image:title><image:caption>Magnifying glass and calculator on interest rates graph</image:caption></image:image><lastmod>2024-07-17T12:19:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/07/11/energy-policy-and-economic-impact-in-canada-a-critical-analysis/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/07/food-prices-3742549752-e1720725509310.jpg</image:loc><image:title>food prices</image:title></image:image><lastmod>2024-07-12T02:38:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/06/25/why-fixed-rates-havent-dropped-that-much-yet/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/06/rate-dropp.jpg</image:loc><image:title>Rate dropp</image:title><image:caption>Falling Interest rate and bank loan rates decline as lower lending costs or currency exchange with 3D illustration elements.</image:caption></image:image><lastmod>2024-06-25T19:39:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/06/05/finally-the-bank-of-canada-cuts-the-rate/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/06/image.png</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/06/rate_cut_bet_cartoon-1.png</image:loc><image:title>rate_cut_bet_cartoon</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/06/rate_cut_bet_cartoon-3082875045-e1717598518791.png</image:loc><image:title>rate_cut_bet_cartoon</image:title></image:image><lastmod>2024-06-05T15:00:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/05/24/why-holding-real-estate-for-at-least-7-years-matters-donald-trump/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/05/image-1.png</image:loc><image:title>image-1</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/05/image.png</image:loc><image:title>image</image:title></image:image><lastmod>2024-05-24T15:13:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/04/26/bridge-loans-the-what-and-why-2/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/04/pexels-photo-3801347.jpeg</image:loc><image:title>brown wooden bridge over green trees</image:title><image:caption>Photo by Sven Huls on &lt;a href="https://www.pexels.com/photo/brown-wooden-bridge-over-green-trees-3801347/" rel="nofollow"&gt;Pexels.com&lt;/a&gt;</image:caption></image:image><lastmod>2024-05-02T03:29:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/04/22/housing-crisis-made-in-canada/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/04/housing-crisis-2.jpg</image:loc><image:title>housing-crisis-2</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/04/housing-crisis-1.jpg</image:loc><image:title>housing crisis</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/04/housing-crisis.jpg</image:loc><image:title>housing-crisis</image:title></image:image><lastmod>2024-04-24T19:00:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/02/01/population-crisis-part-2-the-good-news/</loc><lastmod>2024-02-01T12:51:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/01/30/population-crisis-part-1-the-bad-news/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2024/01/housing_2.jpeg</image:loc><image:title>housing_2</image:title></image:image><lastmod>2024-01-30T13:08:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2024/01/16/theres-never-a-good-time-to-time-the-market/</loc><lastmod>2024-01-16T14:21:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/12/15/are-you-ready-for-lower-rates/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/12/toronto-home.jpeg</image:loc><image:title>Luxury houses in North America</image:title><image:caption>Custom built luxury house in the suburbs of Toronto, Canada.</image:caption></image:image><lastmod>2023-12-15T13:40:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/11/29/the-case-for-short-term-rentals/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/11/pexels-pixabay-275484.jpg</image:loc><image:title>pexels-pixabay-275484</image:title></image:image><lastmod>2023-11-29T13:15:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/11/22/the-2024-2025-rate-forecast/</loc><lastmod>2023-11-22T13:30:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/11/20/theres-an-investment-opportunity-hiding-in-plain-sight/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/11/nadine-shaabana-vr5-mfyo9wu-unsplash.jpg</image:loc><image:title>nadine-shaabana-Vr5-MFYo9wU-unsplash</image:title></image:image><lastmod>2023-11-20T13:46:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/08/14/how-to-navigate-three-common-mortgage-scenarios/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/08/dillon-kydd-2kecpb73aqy-unsplash.jpg</image:loc><image:title>dillon-kydd-2keCPb73aQY-unsplash</image:title></image:image><lastmod>2023-08-14T12:47:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/08/10/what-happened-to-pride-in-home-ownership/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/08/pexels-alena-darmel-7641842.jpg</image:loc><image:title>pexels-alena-darmel-7641842</image:title></image:image><lastmod>2023-08-10T12:58:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/06/26/looking-to-buy-now-might-be-the-right-time/</loc><lastmod>2023-06-26T12:19:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/06/13/you-dont-need-a-big-bank-to-get-a-mortgage/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/06/26_-shutterstock_273649340-5bfc391046e0fb00260edef2.jpeg</image:loc><image:title>26_--shutterstock_273649340-5bfc391046e0fb00260edef2</image:title></image:image><lastmod>2023-06-13T12:20:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/06/08/the-bank-of-canada-does-it-again/</loc><lastmod>2023-06-08T11:53:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/05/16/multigenerational-housing-what-we-can-learn-from-the-old-country/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/05/triplex.jpeg</image:loc><image:title>triplex</image:title></image:image><lastmod>2023-05-16T11:37:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/02/27/problem-solution-i-bought-a-new-home-but-havent-sold-my-old-one/</loc><lastmod>2023-05-15T19:14:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/05/14/exclusive-insights-from-a-former-bank-of-canada-governor/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/05/clc-nl-cover-20210421-600x300-1.jpeg</image:loc><image:title>clc-nl-cover-20210421-600x300-1</image:title></image:image><lastmod>2023-05-14T13:47:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/05/01/home-prices-heat-up-despite-high-interest-rates/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/05/blake-wheeler-zbhu08hdzhy-unsplash.jpg</image:loc><image:title>blake-wheeler-zBHU08hdzhY-unsplash</image:title></image:image><lastmod>2023-05-01T12:53:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/04/03/free-money-will-cost-canadians/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/04/151020092806-01-justin-trudeau-restricted.jpeg</image:loc><image:title>151020092806-01-justin-trudeau-restricted</image:title></image:image><lastmod>2023-04-03T16:19:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/03/03/some-things-never-change-what-we-can-learn-from-the-past/</loc><lastmod>2023-03-03T14:32:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/02/23/right-now-is-the-right-time-to-buy-an-investment-property/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/02/sidekix-media-vfa35ueuco-unsplash.jpg</image:loc><image:title>sidekix-media--Vfa35ueUCo-unsplash</image:title></image:image><lastmod>2023-02-23T13:01:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/01/20/you-might-sell-your-home-without-even-knowing-it/</loc><lastmod>2023-02-02T15:42:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/02/02/is-this-the-end-of-rate-hikes/</loc><lastmod>2023-02-02T13:51:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/01/30/the-news-says-home-prices-are-falling-but-are-they/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/01/dillon-kydd-3ignkeds3w8-unsplash.jpg</image:loc><image:title>dillon-kydd-3Ignkeds3w8-unsplash</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/01/screen-shot-2023-01-28-at-12.12.25-pm.png</image:loc><image:title>screen-shot-2023-01-28-at-12.12.25-pm</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/01/screen-shot-2023-01-28-at-12.13.05-pm.png</image:loc><image:title>screen-shot-2023-01-28-at-12.13.05-pm</image:title></image:image><lastmod>2023-02-02T13:51:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/01/06/what-the-new-foreign-buyers-ban-means-for-you/</loc><lastmod>2023-01-06T13:50:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2023/01/04/what-to-expect-in-2023/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2023/01/blue-gold-modern-happy-new-year-poster-landscape.png</image:loc><image:title>Blue Gold Modern Happy New Year Poster Landscape</image:title></image:image><lastmod>2023-01-04T14:05:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2022/12/09/a-stand-off-between-the-bank-of-canada-and-the-government-of-canada/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2022/12/to-start-off-a-bit-of-good-news-for-once-the-average-5-year-fixed-rate-mortgage-has-fallen-over-the-last-two-months.-some-qualified-borrowers-are-now-able-to-secure-a-rate-as-low-as-4.89.png</image:loc><image:title>To start off, a bit of good news for once the average 5-year fixed rate mortgage has fallen over the last two months. Some qualified borrowers are now able to secure a rate as low as 4.89%. But of course, it is good</image:title></image:image><lastmod>2022-12-09T14:23:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2022/11/04/insights-from-a-top-canadian-economist-part-2/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2022/11/bental2.webp</image:loc><image:title>bental2</image:title></image:image><lastmod>2022-11-04T14:08:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2022/11/01/insights-from-a-top-canadian-economist-part-1/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2022/11/bental.jpeg</image:loc><image:title>Chief Economist  20190607</image:title><image:caption>Benjamin Tal, the Deputy Chief Economist of CIBC World Markets Inc., poses for a photograph at Brookfield Place in Toronto on Friday, June 7, 2019.  Tijana Martin/ The Globe and Mail</image:caption></image:image><lastmod>2022-11-01T19:42:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2022/10/25/warning-more-rate-hikes-to-come/</loc><lastmod>2022-10-25T11:57:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2022/10/17/how-to-navigate-todays-economy/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2022/10/calculator-g6c874060f_1920.jpg</image:loc><image:title>calculator-g6c874060f_1920</image:title></image:image><lastmod>2022-10-25T11:53:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2022/09/15/the-3-questions-i-get-asked-most-about-rising-rates/</loc><lastmod>2022-10-09T18:16:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2022/10/09/a-broken-promise-leads-to-a-broken-economy/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2022/10/tiff.jpeg</image:loc><image:title>tiff</image:title></image:image><lastmod>2022-10-09T16:00:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2022/08/15/when-will-variable-rates-stop-climbing/</loc><lastmod>2022-08-15T13:25:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2022/07/27/variable-rates-go-up-fixed-rates-come-down/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2022/07/tierra-mallorca-rgj1j8sdeay-unsplash-1.jpg</image:loc><image:title>tierra-mallorca-rgJ1J8SDEAY-unsplash 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11</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/11/ben-tal-slide-10.jpg</image:loc><image:title>Ben Tal Slide 10</image:title></image:image><lastmod>2018-11-22T17:28:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/11/14/whens-the-best-time-to-buy-a-home-december-of-course/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/11/blog-image-december-homebuying-november-2018.jpg</image:loc><image:title>Blog Image, December Homebuying, November 2018</image:title><image:caption>Small white house decorated red bow ribbon with bunch of keys on wooden background. Gift, real estate, purchase or buying a new home concept.</image:caption></image:image><lastmod>2021-03-03T12:41:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/11/06/buying-a-home-is-cheaper-than-renting-dont-be-intimidated/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/11/bigstock-buy-or-rent-52276213.jpg</image:loc><image:title>Buy Or Rent?</image:title><image:caption>The question to Buy or Rent? typed on a scrap of lined paper and pinned to a cork notice board. A decision aided by analysis of the real estate market and our personal finances.</image:caption></image:image><lastmod>2021-05-22T18:15:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/about/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/01/steve_garganis-social-media-pic.jpg</image:loc><image:title>Steve_Garganis social media pic</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/01/steve-profile-pic-april-16.jpg</image:loc><image:title>steve-profile-pic-april-16</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2007/12/steve1-picture-nov-10-061.jpg</image:loc><image:title>Steve Garganis</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2007/12/steve1-picture-nov-10-06.jpg</image:loc><image:title>Steve Garganis</image:title></image:image><lastmod>2018-10-15T15:05:35+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://canadamortgagenews.ca/2018/09/27/your-doctor-uses-a-mortgage-broker/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/09/blog-image-doctor-september-2018.jpg</image:loc><image:title>Blog Image, Doctor, September 2018</image:title></image:image><lastmod>2018-09-27T14:23:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/09/25/is-the-govt-stalling-on-your-tax-return-heres-how-i-handled-it/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/09/blog-image-cra-september-2018.jpg</image:loc><image:title>Blog Image, CRA, September 2018</image:title><image:caption>Lawyer reading legal contract agreement disclaimer with magnifying glass person in elegant business suit reading document.</image:caption></image:image><lastmod>2018-09-25T14:45:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/08/28/looser-mortgage-standards-hit-the-uk-is-canada-next/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/08/looser-standards-in-uk-august-2018.jpg</image:loc><image:title>Home Finances</image:title><image:caption>Home finances and residential equity symbol as a bird nest shaped as a family house with a gold egg inside as a metaphor for financial security planning and investing in real estate for retirement freedom.</image:caption></image:image><lastmod>2018-08-28T15:57:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/08/23/honoured-to-be-rated-among-top-3-best-mortgage-brokers-in-burlington/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/08/mortgage_brokers-burlington-2018-drk.png</image:loc><image:title>mortgage_brokers-burlington-2018-drk</image:title></image:image><lastmod>2018-08-23T18:30:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/08/17/six-months-was-what-it-took-to-absorb-latest-mortgage-changes/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/08/blog-image-adjust-to-change-august-2018.jpg</image:loc><image:title>Blog Image, Adjust to Change, August 2018</image:title></image:image><lastmod>2018-08-16T22:01:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/07/31/looking-to-boost-cash-flow-new-flexible-mortgage-could-be-a-game-changer/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/07/blog-image-interest-only-flex-july-2018.jpg</image:loc><image:title>Blog Image, Interest Only Flex, July 2018</image:title></image:image><lastmod>2018-07-31T15:40:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/07/26/live-your-life-youll-never-see-a-u-haul-following-a-hearse/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/07/blog-image-seniors-july-2018.jpg</image:loc><image:title>Blog Image, Seniors, July 2018</image:title></image:image><lastmod>2018-07-26T14:28:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/07/17/why-did-the-bank-of-canada-raise-rates-last-week/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/07/blog-image-bank-of-canada-rate-hike-july-2018.jpg</image:loc><image:title>Canada Mortgage rate 20180509</image:title><image:caption>The Bank of Canada building is pictured in Ottawa on September 6, 2011. The Bank of Canada is raising its conventional mortgage 5-year interest rate from 5.14 to 5.34 after all Big Six banks raised their posted rates.THE CANADIAN PRESS/Sean Kilpatrick</image:caption></image:image><lastmod>2019-02-14T16:40:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/06/19/real-estate-rebounds-in-june-as-expected/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/06/blog-image-housing-outlook-june-19.jpg</image:loc><image:title>Blog Image, Housing Outlook, June 19</image:title></image:image><lastmod>2019-06-11T12:05:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/05/29/record-low-variable-rate-wars-expire-thursday-dont-miss-out/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/05/blog-image-variable-special-ending-image-may-2018.jpg</image:loc><image:title>Don't Miss Deadline</image:title><image:caption>don't miss the deadline concept handwritten on chalkboard with vintage precise stopwatch used instead of O</image:caption></image:image><lastmod>2018-05-29T17:03:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/05/17/and-the-variable-rate-price-wars-begin-heres-how-you-can-benefit/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/05/variable-discounts-image-may-2018.jpg</image:loc><image:title>Variable Discounts Image, May 2018</image:title></image:image><lastmod>2018-05-17T15:24:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/05/08/prime-minus-1-09-yes-this-is-a-record-low-variable-rate/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/05/money-tree.jpg</image:loc><image:title>Money Tree</image:title></image:image><lastmod>2018-05-08T14:58:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/05/03/td-rbc-raised-the-posted-rate-but-not-their-real-rates/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/05/rate-image-may-2018.jpg</image:loc><image:title>Rate Image, May 2018</image:title><image:caption>The wooden cubes and the keys to the apartment . The concept of affordable housing .</image:caption></image:image><lastmod>2018-05-03T13:32:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/04/26/mortgage-penalties-you-could-pay-thousands-to-break-your-mortgage-depending-on-your-lender/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/04/penalties-image-april-2018.jpg</image:loc><image:title>Young family discussing family finances</image:title><image:caption>Young family discussing family finances</image:caption></image:image><lastmod>2018-04-26T18:16:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/04/24/real-facts-on-housing-prices-theyre-not-dropping-like-you-may-think/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/04/house-prices-blog-image-april-2018.jpg</image:loc><image:title>House Prices Blog Image, April 2018</image:title></image:image><lastmod>2018-04-24T15:18:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/04/19/got-a-mortgage-good-news-bank-of-canada-didnt-raise-rates-yesterday/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/04/blog-image-your-best-mortgage-is-about-more-than-rate-feb-mar-2018.jpg</image:loc><image:title>Blog Image, Your Best Mortgage is About More than Rate, Feb Mar 2018</image:title></image:image><lastmod>2018-12-12T19:00:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/04/05/darryl-sittler-made-his-fortune-in-real-estate-not-hockey-2/</loc><lastmod>2018-04-05T14:17:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/04/03/ontario-housing-market-increased-opportunity-for-investors/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/04/ontario-housing-market-stats-image-april-2018.jpg</image:loc><image:title>Ontario Housing Market Stats Image - April 2018</image:title><image:caption>Hand holds the magnifying glass in front of an open newspaper with paper houses. That could mean rent search purchase real estate.</image:caption></image:image><lastmod>2018-04-03T15:30:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/03/29/big-six-banks-exposed-and-called-out-by-financial-consumer-agency-of-canada/</loc><lastmod>2018-03-29T13:56:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/03/27/how-can-an-extra-100-boost-your-mortgage/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/03/extra-payment-image-march-2018.jpg</image:loc><image:title>Extra Payment Image, March 2018</image:title></image:image><lastmod>2018-03-27T11:33:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/03/20/rrsp-resp-tfsa-or-mortgage-prepayment-which-offers-the-best-bang-for-my-buck/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/03/investment-image-march-2018.jpg</image:loc><image:title>Invest. Return on investment. Financial growth. Technology and business concept</image:title><image:caption>Invest. Return on investment. Financial growth. Technology and business concept</image:caption></image:image><lastmod>2018-12-12T19:04:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/03/15/im-getting-divorced-should-i-keep-the-family-home/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/03/divorce-image-march-2018.jpg</image:loc><image:title>Divorce Image, March 2018</image:title><image:caption>Broken family after a bitter divorce settlement and separation with a couple in a bad relationship breaking a house apart showing the concept of a marriage dispute and dividing assets with 3D illustration elements.</image:caption></image:image><lastmod>2018-09-07T16:55:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/03/13/credit-counselling-consumer-proposal-or-bankruptcy-which-option-is-most-favourable/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/03/debt-image-march-2018.jpg</image:loc><image:title>Debt Image, March 2018</image:title><image:caption>A small businessman smashes a giant swinging iron ball with a word DEBT on it using a hammer. Get out of debt. Reduce credit. Financial help.</image:caption></image:image><lastmod>2018-03-14T17:28:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/03/08/yes-you-can-still-buy-a-home-in-canada-keeping-the-dream-alive/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/03/homeownership-image-march-2018.jpg</image:loc><image:title>Homeownership Image, March 2018</image:title><image:caption>Home buying and house loan strategy or owning a family residence as groups of keys and dwellings shaped as human heads as a real estate agent or mortgage idea as a 3D illustration on white.</image:caption></image:image><lastmod>2018-03-08T14:17:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/03/06/mortgage-awards-of-excellence-marketing-campaign-of-the-year-finalist/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/03/steve-garganis-marketing-campaign-of-the-year-badge-mortgage-awards-of-excellence-2018.png</image:loc><image:title>Steve Garganis Marketing Campaign of the Year Badge - Mortgage Awards of Excellence 2018</image:title></image:image><lastmod>2018-03-07T13:11:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/03/01/considering-a-second-mortgage-it-can-save-you-money/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/02/second-mortgage-image-march-2018.jpg</image:loc><image:title>Home Finances</image:title><image:caption>Home with piggy bank being squeezed by a second mortgage&#13;
** Note: Slight blurriness, best at smaller sizes</image:caption></image:image><lastmod>2018-03-01T14:00:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/02/27/interest-rates-are-rising-and-expected-to-continue-but/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/02/december-blog-image.jpg</image:loc><image:title>December Blog Image</image:title><image:caption>The wooden cubes and the keys to the apartment . The concept of affordable housing .</image:caption></image:image><lastmod>2018-03-05T16:54:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/02/20/reverse-mortgages-growing-in-popularity-product-of-the-year-2018/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/01/reverse-mortgage.jpg</image:loc><image:title>Reverse mortgage</image:title></image:image><lastmod>2021-02-08T15:13:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/02/02/why-i-started-this-site-400-articles-later/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/02/facts-myths.jpg</image:loc><image:title>Facts Myths</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/11/cropped-icon.jpg</image:loc><image:title>cropped-icon.jpg</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/08/misinformation.jpg</image:loc><image:title>Misinformation</image:title></image:image><lastmod>2018-02-18T17:10:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/02/13/rent-is-up-vacancy-is-down-rental-properties-make-sense/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/02/real-estate-investment-image-feb-2018.jpg</image:loc><image:title>Real Estate Investment Image, Feb 2018</image:title><image:caption>Hand agent with home in palm and key on finger. Offer of purchase house rental of Real Estate. Giving offering demonstration handing house keys.</image:caption></image:image><lastmod>2018-02-18T17:08:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/01/22/world-debt-clock-comparison-hows-canada-doing-compared-with-the-world/</loc><lastmod>2018-01-22T20:42:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/12/19/recent-mortgage-fraud-in-toronto-you-can-prevent-it-easily-read-on/</loc><lastmod>2018-01-13T05:16:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2018/01/12/rates-are-going-up-for-now-is-the-end-of-low-rates/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2018/01/mortgage-rates-up-graph.jpg</image:loc><image:title>mortgage rates up graph</image:title></image:image><lastmod>2018-10-06T16:10:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/10/30/review-your-mortgage-now-next-year-may-be-too-late/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/10/affordability-jan-1-18.jpg</image:loc><image:title>affordability jan 1-18</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/10/its-not-too-late.jpg</image:loc><image:title>It's not too late</image:title></image:image><lastmod>2018-01-13T02:51:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/12/22/last-call-for-mortgage-approvals-under-the-current-rules-and-an-in-depth-look-at-how-these-new-rules-will-impact-you-in-2018/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/12/gettyimages-470546996-e1515095138382.jpg</image:loc><image:title>now or later</image:title><image:caption>now or later concept handwritten on chalkboard with vintage precise stopwatch used instead of O</image:caption></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/12/last-call.png</image:loc><image:title>last call</image:title></image:image><lastmod>2018-01-13T02:50:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/12/18/osfis-new-mortgages-rules-a-silver-lining/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/12/gettyimages-865749128-e1515099694116.jpg</image:loc><image:title>Sehnsucht nach Sonnenschein</image:title><image:caption>Hände halten vor dunklen Wolken ein Blatt Paier mit einer aufgemalten Sonne hoch.</image:caption></image:image><lastmod>2018-01-04T21:01:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/02/21/finally-a-tax-break-on-lander-transfer-tax/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/11/ontario-govt.png</image:loc><image:title>ontario-govt</image:title></image:image><lastmod>2017-11-18T22:52:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/contact/</loc><lastmod>2017-11-06T19:56:08+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://canadamortgagenews.ca/2017/07/28/rates-went-up-so-now-what-do-you-do/</loc><lastmod>2022-07-24T23:24:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/09/06/a-2nd-bank-of-canada-rate-hike-surprises-many-whats-it-mean/</loc><lastmod>2017-11-01T19:20:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/10/17/osfi-announces-strictest-mortgage-rules-ever-what-you-need-to-know/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/10/41001046-6911.jpg</image:loc><image:title>41001046-6911</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/10/41001046-6915.jpg</image:loc><image:title>41001046-6915</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/10/41001046-6919.jpg</image:loc><image:title>41001046-6919</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/10/41001046-6921.jpg</image:loc><image:title>41001046-6921</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/10/41001046-6923.jpg</image:loc><image:title>41001046-6923</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/10/41001046-6928.jpg</image:loc><image:title>41001046-6928</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/10/41001046-6930.jpg</image:loc><image:title>41001046-6930</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/10/41001046-6934.jpg</image:loc><image:title>41001046-6934</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/10/41001046-6937.jpg</image:loc><image:title>41001046-6937</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/10/41001046-6938.jpg</image:loc><image:title>41001046-6938</image:title></image:image><lastmod>2017-11-01T19:19:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/12/19/mortgage-brief-mortgages-rules-explained-and-why-didnt-the-govt-consult-experts/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/12/trudeau.jpg</image:loc><image:title>trudeau</image:title></image:image><lastmod>2017-10-17T17:27:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/08/25/spring-housing-market-in-the-fall-and-what-happened-to-the-bank-of-canada-multiple-rate-hikes/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/08/july-2017-new-listings.png</image:loc><image:title>July 2017 new listings</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/08/july-2017-national-average-sale-price.png</image:loc><image:title>July 2017 national average sale price</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/08/july-2017-housing-sales-6-yrs.png</image:loc><image:title>July 2017 housing sales 6 yrs</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/08/july-2017-average-sale-price-by-province.png</image:loc><image:title>July 2017 average sale price by province</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/08/10-yr-historical-home-sales-july-2017.png</image:loc><image:title>10 yr historical Home sales July 2017</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/08/for-sale-signs.jpeg</image:loc><image:title>realestate1.jpg</image:title><image:caption>Local Input~ Wednesday August 6, 2008 Page E1  Many Edmonton neighbourhoods show signs of a large inventory of homes.  Current MLS numbers show the glut is starting to clear.  Tuesday May 6, 2008 Page A1  Signs at Ventana Woods in southwest Edmonton reflect a large "inventory" of homes.  Edmonton, Alberta, May 05/ 08 - These signs were at Ventana Woods, 903 Rutherford Road SW near Ellerslie Rd.   Bill Mah is doing a Q &amp; A to run front page or top copy on the big chill in house and condo prices. Need some for sale sign pictures. Would love one that said price reduced but a condo where there is a wall of for sale signs would also work. Please shoot variety of angles and I'll use leftovers through the summer. May 05/08, 2008.  Photo: Rick MacWilliam/Edmonton Journal</image:caption></image:image><lastmod>2017-09-06T16:48:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/07/26/canadians-bought-more-u-s-real-estate-than-almost-anyone-else/</loc><lastmod>2017-07-26T04:55:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/07/22/banks-pass-on-rate-hikes-but-not-the-savings-shame-on-the-banks/</loc><lastmod>2017-07-28T12:19:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/07/12/bank-of-canada-rate-hike-its-really-not-a-big-deal/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/07/poloz.jpg</image:loc><image:title>Poloz</image:title></image:image><lastmod>2017-07-12T16:54:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/06/30/mortgage-rates-going-up-a-little-for-now-what-should-you-do/</loc><lastmod>2017-06-30T19:01:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/06/16/bank-of-canada-hints-of-rates-hikes-bond-yields-spike-up/</loc><lastmod>2017-06-16T04:14:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/06/16/time-to-stand-up-for-home-trust-and-home-capital/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/06/home-trust.jpg</image:loc><image:title>Home Trust</image:title></image:image><lastmod>2017-06-20T12:07:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/05/31/housing-market-is-active-but-will-slow-in-summer-as-it-always-does/</loc><lastmod>2017-05-31T20:03:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/05/09/long-term-contracts-have-a-price-nothing-has-changed-from-2010/</loc><lastmod>2017-05-09T15:16:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/04/20/toronto-15-foreign-tax-new-rent-controls-it-changes-nothing/</loc><lastmod>2017-04-21T00:27:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/04/15/housing-bubble-is-coming-again/</loc><lastmod>2017-05-10T19:06:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/04/14/enjoy-the-low-rates-no-rate-hike-with-bank-of-canada/</loc><lastmod>2017-05-10T19:13:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/03/15/big-five-banks-employees-speak-out-about-deplorable-sales-tactics-and-its-gone-viral/</loc><lastmod>2017-03-15T19:05:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/02/28/panic-buying-when-will-the-housing-market-slow-down/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/02/hot-housing-market.jpg</image:loc><image:title>hot-housing-market</image:title></image:image><lastmod>2017-03-08T16:46:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/02/27/another-example-of-big-six-bank-inflated-penalty-calculation-13634-00-wow/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2017/02/big-six-banks1.jpg</image:loc><image:title>big-six-banks1</image:title></image:image><lastmod>2017-02-27T00:38:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/02/20/coming-soon-higher-cmhc-premiums-march-17-2017/</loc><lastmod>2017-02-20T18:22:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/01/28/debt-diversification-vs-debt-consolidation-who-wins/</loc><lastmod>2017-01-27T22:50:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2017/01/02/mortgage-rate-outlook-2017-expect-fixed-mortgage-rates-to-go-up-expect-variable-rate-pricing-to-drop/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/12/trudeau-trump.jpg</image:loc><image:title>trudeau-trump</image:title></image:image><lastmod>2017-02-24T00:56:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/11/18/bi-weekly-payment-myth-it-doesnt-pay-your-mortgage-off-faster/</loc><lastmod>2016-11-25T20:03:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/11/01/mortgage-brief-td-raises-it-bank-prime-going-rogue-for-now/</loc><lastmod>2016-11-18T16:21:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/11/16/bridge-loans-explained-your-bank-hates-them-but-they-are-extremely-useful/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/11/bridge-loans.jpg</image:loc><image:title>bridge-loans</image:title></image:image><lastmod>2016-11-16T22:18:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/11/14/unexpected-trump-win-on-canadian-mortgage-rates-and-market/</loc><lastmod>2016-11-14T22:35:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/11/07/marital-splits-woman-seem-to-be-at-higher-risk-when-it-comes-to-finances/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/11/marriage-money.jpg</image:loc><image:title>marriage-money</image:title><image:caption>Stack of Coins and Bride and Groom Wedding Cake Decorations</image:caption></image:image><lastmod>2016-11-07T17:10:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/11/02/mortgage-brief-cmhc-red-warning-whats-it-mean/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/10/red-warning.jpg</image:loc><image:title>red-warning</image:title></image:image><lastmod>2016-11-02T16:10:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/10/31/mortgage-tricks-and-treats/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/10/halloween-money.png</image:loc><image:title>halloween-money</image:title></image:image><lastmod>2016-10-31T21:49:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/10/19/mortgage-brief-is-it-worth-changing-your-mortgage-today/</loc><lastmod>2016-10-19T15:26:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/10/04/mortgage-brief-new-liberal-govt-mortgage-rule-changes-and-what-it-means/</loc><lastmod>2016-10-17T17:49:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/09/06/us-election-year-low-rates-today-but-higher-rates-tomorrow/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/07/us-election.jpg</image:loc><image:title>US election</image:title></image:image><lastmod>2016-09-06T18:42:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/09/01/tax-free-savings-accounts-should-be-2nd-on-your-list/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/02/money.jpg</image:loc><image:title>Money</image:title></image:image><lastmod>2016-10-05T14:29:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/07/29/mortgage-brief-homebuyer-of-the-future/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/07/the-future.jpg</image:loc><image:title>the future</image:title></image:image><lastmod>2016-07-28T21:00:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/07/28/mortgage-brief-bcs-15-foreign-property-tax-coming-to-toronto/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/07/bc-waterfront.jpg</image:loc><image:title>BC waterfront</image:title></image:image><lastmod>2021-01-20T17:07:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/07/15/mortgage-brief-bank-of-canada-doesnt-change-rate/</loc><lastmod>2016-07-15T17:31:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/06/21/new-record-low-fixed-rates-how-low-can-they-go/</loc><lastmod>2016-06-21T15:15:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/06/01/short-term-fixed-products-are-still-in/</loc><lastmod>2016-06-27T13:04:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/05/31/should-you-look-at-10-year-fixed-rate-mortgages/</loc><lastmod>2016-05-31T17:21:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/05/26/i-have-2-39-for-5-yrs-fixed-available-but-i-wont-sell-it/</loc><lastmod>2016-05-26T17:04:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/04/25/mortgage-penalty-calculations-more-important-than-the-interest-rate/</loc><lastmod>2016-06-03T16:38:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/04/13/not-about-mortgages-cut-the-crap/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/04/cut-the-crap.png</image:loc><image:title>cut the crap</image:title></image:image><lastmod>2016-04-13T18:43:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/03/30/variable-rate-is-out-fixed-rates-are-in-but-which-term/</loc><lastmod>2023-07-05T22:03:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/02/16/attn-firstline-mortgage-clients-beware-cibc-brand-renewal-offer/</loc><lastmod>2021-04-04T17:17:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/01/26/record-savings-levels-canadians-i-thought-we-had-record-personal-debt/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/01/canada-savings.jpg</image:loc><image:title>canada-savings</image:title></image:image><lastmod>2016-01-26T17:47:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/01/17/credit-card-hangover-make-2016-a-painless-year/</loc><lastmod>2016-01-18T02:17:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/01/11/us-fed-rate-hike-doesnt-mean-bank-of-cda-rate-hike/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2016/01/janet-yellen.jpg</image:loc><image:title>Janet Yellen</image:title></image:image><lastmod>2016-02-17T04:07:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2016/01/04/big-six-banks-report-obscene-record-34billion-in-profits-for-2015-and-still-complaining/</loc><lastmod>2016-01-05T04:42:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2015/12/14/higher-minimum-down-payment-coming-relax-its-just-political-posturing/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2015/12/bill-morneau.jpg</image:loc><image:title>Bill Morneau</image:title></image:image><lastmod>2015-12-14T18:09:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2015/12/09/negative-interest-rates-by-the-bank-of-canada-no-not-likely/</loc><lastmod>2016-02-12T21:37:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2015/11/24/mortgage-rates-went-up-but-why-and-will-they-continue-to-go-up/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2015/11/up-down-graph.jpg</image:loc><image:title>up down graph</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2015/11/up-and-down-graph.jpg</image:loc><image:title>Up and down graph</image:title></image:image><lastmod>2019-11-09T16:11:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2015/11/17/last-week-was-horrible-but-this-experience-made-me-believe-it-the-human-spirit/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2015/11/car-accident.jpg</image:loc><image:title>car accident</image:title></image:image><lastmod>2015-11-17T13:33:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2015/11/10/mortgage-cost-today-is-1380mth-for-every-300k-and-sharing-high-net-worth-secrets/</loc><lastmod>2015-11-12T21:31:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2015/11/05/trudeau-sworn-in-as-new-pm-and-bond-yields-jump-leading-to-higher-fixed-mortgage-rates/</loc><lastmod>2015-11-07T05:23:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2015/10/30/today-is-your-last-chance-to-stop-doubling-of-land-transfer-tax/</loc><lastmod>2015-11-12T17:48:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2015/10/28/new-land-transfer-tax-for-all-of-ontario-ms-wynne-stop-the-madness/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2015/10/kathleen-wynne.jpg</image:loc><image:title>kathleen 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Burning1</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2014/02/burning-the-mortgage.jpg</image:loc><image:title>burning-the-mortgage</image:title></image:image><lastmod>2014-02-03T19:20:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2014/01/30/olympics-are-coming-and-so-are-the-dumb-bank-ads/</loc><lastmod>2014-01-30T02:52:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/03/08/dont-get-trapped-with-dumb-bank-ads/</loc><lastmod>2014-01-30T01:25:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2014/01/27/bank-of-canada-says-no-rate-hikes-but-possible-rate-drops/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2014/01/stephen-poloz.jpg</image:loc><image:title>stephen poloz</image:title></image:image><lastmod>2014-06-30T13:08:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2014/01/27/debt-consolidation-tip-just-pay-less-interest/</loc><lastmod>2014-01-27T00:15:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2014/01/20/buy-now-or-wait-for-house-prices-to-fall-the-results-may-surprise-you/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2014/01/housing-affordability.jpg</image:loc><image:title>Housing-affordability</image:title></image:image><lastmod>2014-01-20T01:45:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2014/01/13/td-car-loan-rates-at-25-over-4000-comments/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2014/01/cbc-news.jpg</image:loc><image:title>cbc 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dealer</image:title></image:image><lastmod>2014-01-14T22:03:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2014/01/14/unexpected-job-loss-report-and-effect-on-mortgage-rates/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2014/01/unemployment.jpg</image:loc><image:title>unemployment</image:title></image:image><lastmod>2014-01-14T19:46:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2014/01/09/new-threat-of-rate-hikes-its-called-finance-minister-flaherty/</loc><lastmod>2014-01-10T19:10:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/12/17/top-10-mortgage-tips-for-2014/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/12/top-10.jpg</image:loc><image:title>Top 10</image:title></image:image><lastmod>2014-01-09T23:09:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2014/01/06/how-to-get-rid-of-holiday-bills-and-start-building-wealth/</loc><lastmod>2013-12-31T15:02:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/12/24/happy-holidays-we-are-taking-some-time-off/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/12/happyholidays-1.gif</image:loc><image:title>happyholidays (1)</image:title></image:image><lastmod>2013-12-24T21:21:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/12/19/winter-home-maintenance-tips/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/12/winter-home.jpg</image:loc><image:title>House in the snow</image:title></image:image><lastmod>2022-12-02T14:45:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/12/13/cmhcs-ontario-housing-conference-2014-highlights-the-news-is-good/</loc><lastmod>2013-12-13T01:02:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/11/13/federal-govts-rrsp-home-buyers-plan-nets-this-couple-a-15000-tax-refund/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/11/rrsp-home-buyers-plan.jpg</image:loc><image:title>RRSP home buyers plan</image:title></image:image><lastmod>2013-11-13T17:54:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/02/22/rrsp-resp-tsfa-or-mortgage-prepayment-which-has-the-best-returns/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/01/where-to-invest.jpg</image:loc><image:title>where to invest</image:title></image:image><lastmod>2013-11-12T21:58:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/11/11/long-term-is-almost-always-more-expensive/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/11/long-term-contracts.jpg</image:loc><image:title>long term contracts</image:title></image:image><lastmod>2013-11-16T19:50:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/02/04/should-they-buy-a-bigger-house/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/02/little-house.jpg</image:loc><image:title>little house</image:title></image:image><lastmod>2013-11-11T20:47:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/11/09/tips-on-how-to-reduce-your-mortgage-penalty/</loc><lastmod>2013-11-09T19:37:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/10/31/you-heard-it-here-first-rule-of-thumb-for-choosing-variable-over-fixed/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/10/first.jpg</image:loc><image:title>First</image:title></image:image><lastmod>2013-10-31T23:39:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/10/18/is-there-a-better-mortgage-rate-out-there/</loc><lastmod>2013-10-17T23:58:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/10/02/another-us-govt-shutdown-could-me-lower-mortgage-rates-for-canada/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/10/debt-ceiling.jpg</image:loc><image:title>debt ceiling</image:title></image:image><lastmod>2013-10-07T17:15:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/09/27/credit-counselling-consumer-proposal-or-bankruptcy-i-only-like-one-of-these-options/</loc><lastmod>2013-09-27T16:54:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/09/17/rising-personal-debt-levels-but-how-about-rising-asset-levels/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/09/net-worth.jpg</image:loc><image:title>net worth</image:title></image:image><lastmod>2013-09-17T20:25:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/09/12/58-of-canadians-have-a-mortgage-is-that-a-big-number/</loc><lastmod>2013-10-14T20:06:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/09/05/real-estate-sales-up-21-and-52-due-to-end-of-low-fixed-rates/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/09/home-prices-up.jpg</image:loc><image:title>home-prices-up</image:title></image:image><lastmod>2013-09-05T23:20:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/08/19/5-year-fixed-rates-are-going-up-time-to-consider-variable-rate/</loc><lastmod>2013-08-19T18:01:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/08/01/stock-investing-is-dead-says-worlds-largest-bond-fund-manager/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/08/bill-gross.jpg</image:loc><image:title>Bill Gross</image:title></image:image><lastmod>2013-07-31T19:02:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/07/31/choose-short-term-money-for-long-term-gains/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/07/short-term.gif</image:loc><image:title>short term</image:title></image:image><lastmod>2013-07-31T18:52:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/07/16/looking-back-5-years-which-mortgage-product-did-your-banker-recommend-in-2008/</loc><lastmod>2013-07-16T22:12:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/07/09/time-to-look-at-variable-rates-again/</loc><lastmod>2013-07-09T17:22:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/06/20/when-the-u-s-sneezes-canada-gets-a-cold-im-getting-the-sniffles-mortgage-rates-are-headed-up/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/06/us-sneezes-canada-catches-cold.jpg</image:loc><image:title>US sneezes Canada catches cold</image:title></image:image><lastmod>2013-06-20T20:00:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/06/09/banks-raise-mortgage-rates/</loc><lastmod>2013-06-09T18:12:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/06/04/poloz-in-carney-out-as-bank-of-canada-governor-3-major-changes-in-less-than-a-year-anyone-else-find-this-strange/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/05/poloz-carney-flaherty.jpg</image:loc><image:title>Poloz, Carney, Flaherty</image:title></image:image><lastmod>2013-06-04T21:13:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/06/03/cmhc-ceo-karen-kinsley-out-wall-street-banker-robert-kelly-in-anybody-asking-why/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2013/05/robert-kelly.jpg</image:loc><image:title>Robert 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mortgage</image:title></image:image><lastmod>2013-05-06T23:38:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/04/27/what-can-100-do-when-it-comes-to-a-mortgage/</loc><lastmod>2013-05-28T16:26:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/04/08/rbc-accused-of-terminating-canadian-workers-in-place-of-cheaper-foreign-labor/</loc><lastmod>2014-12-18T22:20:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/01/03/genworth-financial-50billion-increase-is-good-for-consumers/</loc><lastmod>2013-04-07T18:25:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/08/30/scotiabank-to-buy-ing-how-will-this-affect-you/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/08/scotiabank-buys-ing.jpg</image:loc><image:title>Scotiabank buys 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ING</image:title></image:image><lastmod>2013-01-30T23:15:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/01/24/interest-rates-to-stay-low-for-longer-than-expected/</loc><lastmod>2013-01-30T23:14:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2013/01/30/cbc-marketplace-exposes-tds-collateral-mortgage/</loc><lastmod>2013-03-27T16:50:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/12/24/seasons-greetings-time-for-a-break/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/12/happyholidays.gif</image:loc><image:title>happyHolidays</image:title></image:image><lastmod>2012-12-31T20:21:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/12/17/fed-govt-big-six-banks-pushed-us-into-fixed-rates-part-1-of-2/</loc><lastmod>2012-12-17T13:20:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/12/02/giving-up-the-bank-kool-aid/</loc><lastmod>2012-12-03T01:59:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/06/09/beware-of-your-banks-special-renewal-offer-it-could-cost-you-dearly/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/06/mortgage-renewal.jpg</image:loc><image:title>Mortgage renewal</image:title></image:image><lastmod>2012-11-30T00:06:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/10/08/introducing-the-new-td-mortgage-hand-cuffs-included/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/10/handcuffs.jpg</image:loc><image:title>handcuffs</image:title></image:image><lastmod>2012-12-11T18:09:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/12/13/td-taking-action-with-new-collateral-mortgage/</loc><lastmod>2012-11-26T23:35:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/05/03/td-is-not-able-to-accept-collateral-mortgage-transfers/</loc><lastmod>2012-11-26T23:34:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/11/19/doomsday-real-estate-prophecy-enough-already/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/11/collapsed-china-condo-hollow-concrete-piers.jpg</image:loc><image:title>collapsed china condo hollow concrete piers</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/11/real-estate-crash.jpg</image:loc><image:title>real estate crash</image:title></image:image><lastmod>2012-11-19T19:39:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/11/06/baby-boomers-10-yr-real-estate-retirement-plan/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/11/baby-boomers.jpg</image:loc><image:title>Baby boomers</image:title></image:image><lastmod>2013-03-08T18:22:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/10/17/bridge-loans-your-bank-hates-them-but-they-can-be-a-great-financial-tool-when-buying/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/10/bridge-loans.jpg</image:loc><image:title>bridge loans</image:title></image:image><lastmod>2021-02-22T23:04:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/06/02/more-dumb-bank-ads-but-they-wont-fool-us/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/06/bmo-commercial.jpg</image:loc><image:title>Bmo commercial</image:title></image:image><lastmod>2012-10-17T17:18:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/07/08/do-bi-weekly-payments-save-you-money/</loc><lastmod>2012-10-15T20:57:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/10/11/cmhc-flawed-data-or-is-this-just-a-shock-value-article/</loc><lastmod>2012-10-15T12:59:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/10/10/mortgage-life-insurance-whats-this-all-about/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/10/mortgage-life-insurance.jpg</image:loc><image:title>mortgage life insurance</image:title></image:image><lastmod>2023-06-03T17:02:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/09/25/listings-down-prices-up-housing-bubble/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/09/housing-buble1.jpg</image:loc><image:title>Housing Buble</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/09/housing-buble.jpg</image:loc><image:title>Housing Buble</image:title></image:image><lastmod>2012-09-25T19:33:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/09/19/mortgage-broker-vs-mortgage-specialist/</loc><lastmod>2012-09-24T15:31:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/09/20/rent-vs-own-which-is-better/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/09/rent-vs-buy.jpg</image:loc><image:title>rent vs buy</image:title></image:image><lastmod>2012-09-20T21:32:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/09/13/helocs-capped-at-65-but-some-exceptions-still-apply/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/09/65-ltv-heloc1.jpg</image:loc><image:title>65% LTV HELOC</image:title></image:image><lastmod>2012-09-14T20:09:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/04/10/a-change-of-strategy-fixed-rates-5yr-or-10-yr/</loc><lastmod>2012-09-06T19:57:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/09/05/bank-of-cda-doesnt-change-rate-u-s-fed-not-to-raise-rates-until-2015/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/09/us-fed.jpg</image:loc><image:title>US Fed</image:title></image:image><lastmod>2012-09-05T18:39:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/08/09/bond-rates-up-0-30-and-5-yr-mortgages-at-2-99-disappear-for-now/</loc><lastmod>2012-08-17T17:59:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/07/31/lenders-chop-rates-again-2-99-and-variable-rates-at-prime-less-0-35/</loc><lastmod>2012-07-31T19:07:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/07/26/2-89-5yr-fixed-rates-are-available-but-are-those-offers-legit/</loc><lastmod>2012-07-26T19:25:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/07/23/wanna-know-where-rates-are-going-look-at-2-yr-bond-yields/</loc><lastmod>2012-07-23T21:58:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/06/20/does-this-sound-like-your-bank/</loc><lastmod>2012-07-10T03:07:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/06/22/part-2-of-osfis-new-mortgage-underwriting-rules-announced/</loc><lastmod>2014-07-19T02:30:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/06/21/fed-govt-tightens-mortgage-rules-again-4th-time-in-4-years/</loc><lastmod>2012-07-10T01:44:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/07/09/new-mortgage-rules-start-today-but-bmo-study-says-canadians-pay-their-mortgages-in-15-yrs/</loc><lastmod>2012-07-23T20:17:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/06/06/osfi-cuts-helocs-to-65-but-eases-re-qualifying-mortgage-at-renewal-time/</loc><lastmod>2012-06-07T00:29:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/05/31/shhh-interest-rates-are-still-at-record-lows-and-canadians-are-making-huge-prepayments/</loc><lastmod>2012-06-05T16:45:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/05/24/real-estate-investments-outperform-stock-market/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/05/stock-market-ride.jpg</image:loc><image:title>stock market ride</image:title></image:image><lastmod>2012-09-13T16:33:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/05/23/cmhc-under-osfi-control-another-kick-in-the-rear-to-canadians/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/05/ass-kicking.jpg</image:loc><image:title>ass kicking</image:title></image:image><lastmod>2014-07-19T04:09:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/05/14/a-complete-overhaul-of-mortgage-lending-in-canada/</loc><lastmod>2012-05-14T19:30:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/04/19/24000-and-19000-in-savings-by-refinancing-their-mortgages/</loc><lastmod>2012-04-30T20:31:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/04/26/osfi-will-now-oversee-cmhc-lookout-canada/</loc><lastmod>2015-08-15T20:33:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/04/24/4k-penalty-on-a-109k-mortgage-8k-penalty-on-a-213k-mortgage/</loc><lastmod>2012-04-25T21:50:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/04/18/bank-of-canada-suggests-rate-hikes-soon/</loc><lastmod>2012-04-18T22:00:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/04/11/flaherty-is-isnt-is-isnt-changing-mortgage-rules/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/04/flaherty-i-dont-know1.jpg</image:loc><image:title>Flaherty i don't know</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/04/flaherty-eyes-closed.jpg</image:loc><image:title>Flaherty eyes closed</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/04/flaherty-thumbs-up.jpg</image:loc><image:title>Flaherty thumbs up</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/04/flaherty-i-dont-know.jpg</image:loc><image:title>Flaherty i don't know</image:title></image:image><lastmod>2012-04-11T18:00:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/04/07/govt-to-cut-secured-lines-of-credit-to-65-loan-to-value/</loc><lastmod>2012-04-07T16:44:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/03/30/mortgage-wars-end-only-for-the-big-six-banks/</loc><lastmod>2012-03-30T17:04:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/03/23/the-star-reports-bmo-suggests-its-time-to-lock-into-fixed-rates-well-maybe/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/03/bmo-capital-markets.jpg</image:loc><image:title>BMO Capital Markets</image:title></image:image><lastmod>2012-03-23T17:51:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/03/22/osfis-latest-proposals-will-affect-every-mortgage-and-line-of-credit/</loc><lastmod>2012-04-23T08:28:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/03/21/when-opportunity-knocks-open-the-door/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/03/opportunity-next-exit.jpg</image:loc><image:title>Opportunity next exit</image:title></image:image><lastmod>2012-03-21T20:53:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/03/08/bmo-no-frills-mortgage-2-99-is-back-but-please-dont-read-the-fine-print/</loc><lastmod>2012-03-30T14:23:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/03/05/banks-are-at-it-again-calling-mortgage-clients-before-maturity/</loc><lastmod>2012-03-05T21:25:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/02/16/cmhc-forecasts-a-healthy-housing-market-for-2012-13-but-fixed-mortgage-rates-have-started-to-climb/</loc><lastmod>2012-02-16T18:49:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/02/02/major-lender-cuts-out-self-employed-and-new-immigrant-lending-programs/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/02/firstline.jpg</image:loc><image:title>Firstline</image:title></image:image><lastmod>2014-07-28T11:25:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/02/08/600billion-250billion-2-99-1-5trillion-numbers-to-watch-in-2012/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/02/debt-amination.jpg</image:loc><image:title>debt animation</image:title></image:image><lastmod>2012-02-07T21:03:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/07/15/good-debt-and-bad-debt-maybe-we-canadians-have-more-good-debt/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/07/good-debt-bad-debt.jpg</image:loc><image:title>Good debt Bad debt</image:title></image:image><lastmod>2012-02-18T08:58:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/01/25/bmo-2-99-no-frills-mortgage-needs-another-look/</loc><lastmod>2012-02-20T10:40:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/02/24/td-and-rbc-ceos-income-11million-each-for-2010/</loc><lastmod>2012-01-18T16:50:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2012/01/15/bmos-no-frills-2-99-mortgage-offer-is-not-ground-breaking-just-another-trap-by-the-big-banks/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2012/01/thumbs-down.jpg</image:loc><image:title>thumbs down</image:title></image:image><lastmod>2017-08-12T20:43:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/12/27/ing-collateral-mortgage-began-december-10-2011-but-no-coverage/</loc><lastmod>2011-12-24T17:38:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/12/29/consolidate-your-debts-and-save-money-with-todays-record-low-rates/</loc><lastmod>2011-12-23T21:43:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/12/23/bmo-announces-lower-rate-if-you-take-a-shorter-amortization/</loc><lastmod>2012-01-05T17:09:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/12/05/ing-collateral-charge-in-2012-hand-cuffs-included/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/12/ing-direct.jpg</image:loc><image:title>ING direct</image:title></image:image><lastmod>2013-04-01T21:15:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/12/01/canadians-saved-2-7billion-on-their-mortgage-by-refinancing-or-renewing-this-year/</loc><lastmod>2011-12-01T23:17:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/11/24/why-use-a-mortgage-broker/</loc><lastmod>2011-11-24T19:03:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/11/07/fixed-vs-variable-in-2011/</loc><lastmod>2011-11-07T18:11:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/10/27/zoocasa-announces-zoopraisal-a-free-property-valuation-service/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/10/zoocasa.jpg</image:loc><image:title>zoocasa</image:title></image:image><lastmod>2011-10-27T02:03:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/10/05/bmo-economist-forecast-no-rate-hikes-til-2013/</loc><lastmod>2011-10-05T17:58:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/10/04/canadians-buy-4-9billion-worth-of-florida-property-in-2010/</loc><lastmod>2011-10-04T20:15:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/09/30/big-banks-need-your-help-for-higher-profits/</loc><lastmod>2011-10-01T18:20:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/09/26/govt-regulator-says-interest-rates-extremely-attractive/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/09/osfi.jpg</image:loc><image:title>OSFI</image:title></image:image><lastmod>2011-09-27T19:42:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/09/27/setting-us-up-for-fewer-rate-drops-and-higher-bank-profit-margins/</loc><lastmod>2011-09-27T19:34:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/01/28/personal-debt-level-up-uhh-wait-maybe-we-made-a-mistake/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/01/canadian-dollar.jpg</image:loc><image:title>Canadian dollar</image:title></image:image><lastmod>2011-09-26T20:46:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/09/16/20million-condo-fraud-in-toronto-shows-need-for-more-regulation/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/09/fraud.jpg</image:loc><image:title>fraud</image:title></image:image><lastmod>2011-10-11T21:22:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/09/21/condo-fraud-allegations-grows-to-9-properties/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/09/channel-property-management.gif</image:loc><image:title>Channel property management</image:title></image:image><lastmod>2012-11-16T15:40:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/09/16/variable-rate-increases-again/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/09/variable-rate-mortgage.jpg</image:loc><image:title>Variable rate 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U.S. mortgage</image:title></image:image><lastmod>2011-06-09T19:15:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/06/07/fixed-mortgage-rates-down-again/</loc><lastmod>2011-06-19T02:20:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/05/31/bank-of-canada-leaves-key-rate-unchanged/</loc><lastmod>2011-05-31T16:59:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/05/27/spring-market-means-lower-mortgage-rates-and-some-more-creative-financing/</loc><lastmod>2011-06-13T18:58:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/05/25/govt-program-makes-solar-power-a-cost-effective-option/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/05/solar-energy.jpg</image:loc><image:title>Solar 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politics</image:title></image:image><lastmod>2011-05-01T20:19:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/04/30/economic-and-real-estate-outlook-from-annual-mortgage-brokers-conference/</loc><lastmod>2011-07-14T13:09:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/04/28/ndp-polls-up-and-variable-rate-mortgages-more-costly-coincidence/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/04/layton.jpg</image:loc><image:title>Layton</image:title></image:image><lastmod>2011-04-29T16:22:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/02/18/report-shows-canadian-borrowers-are-too-complacent/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/02/complacent.jpg</image:loc><image:title>Complacent</image:title></image:image><lastmod>2011-04-19T23:26:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/04/04/td-and-rbc-are-first-to-raise-fixed-rates/</loc><lastmod>2011-05-03T07:58:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/03/30/investing-in-a-multi-unit-properties-take-care/</loc><lastmod>2011-03-30T01:07:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/03/24/inflation-rate-drops-in-february-and-rate-hikes-pulled-back/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/03/inflation-down.jpg</image:loc><image:title>inflation down</image:title></image:image><lastmod>2011-03-23T19:22:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/03/07/scotiabank-says-bank-of-canada-wont-move-till-october/</loc><lastmod>2011-03-07T17:47:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/02/25/bond-yields-fall-after-middle-east-turmoil/</loc><lastmod>2011-02-25T17:55:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/02/17/the-big-six-have-all-raised-their-rates-now/</loc><lastmod>2011-02-22T18:38:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/02/15/bank-of-canada-action-not-always-prudent-or-correct/</loc><lastmod>2011-02-15T18:27:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/02/07/fixed-rates-are-heading-up/</loc><lastmod>2011-02-07T19:33:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/02/03/listen-to-the-professor-about-how-to-save-money/</loc><lastmod>2011-02-03T20:00:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/01/25/january-credit-card-offers-new-mortgage-rules-and-canadians-buying-u-s-real-estate/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/01/smart-buyer.jpg</image:loc><image:title>smart buyer</image:title></image:image><lastmod>2011-09-08T20:28:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/01/17/new-mortgage-rules-lets-make-it-an-annual-event/</loc><lastmod>2011-01-28T17:21:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/01/17/cmhc-genworth-double-charge-are-you-paying-twice/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/01/genworth-financial-canada.jpg</image:loc><image:title>Genworth Financial Canada</image:title></image:image><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2011/01/canada-guaranty.jpg</image:loc><image:title>Canada Guaranty</image:title></image:image><lastmod>2018-08-23T18:42:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/12/03/cibc-economist-gives-us-the-stats/</loc><lastmod>2011-01-03T16:02:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2011/01/03/bank-of-canada-dates-for-2011/</loc><lastmod>2011-01-03T15:34:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/12/23/everyone-deserves-a-break/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/12/seasons-greetings.jpg</image:loc><image:title>season's greetings</image:title></image:image><lastmod>2010-12-23T19:36:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/12/15/higher-bond-yields-are-bringing-higher-fixed-rates-but-thats-not-all/</loc><lastmod>2011-03-31T04:02:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/12/14/personal-referral-or-internet-referral-the-test-of-time/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/12/ancient-ruins.jpg</image:loc><image:title>ancient ruins</image:title></image:image><lastmod>2010-12-14T21:49:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/12/10/vacancy-rates-fall-in-canada-theres-an-opportunity-here/</loc><lastmod>2010-12-10T17:39:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/12/07/bank-of-canada-doesnt-raise-the-rate/</loc><lastmod>2010-12-07T17:22:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/11/08/annual-mortgage-borrowing-stats-are-strong/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/11/caamp-stats.jpg</image:loc><image:title>CAAMP 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Canadian dollar</image:title></image:image><lastmod>2010-11-12T17:58:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/11/12/banks-slow-to-lower-rates-but-quick-to-raise-them/</loc><lastmod>2010-11-12T17:44:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/11/05/debt-consolidation-its-not-a-dirty-word/</loc><lastmod>2010-11-06T21:52:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/11/02/taking-a-look-at-reverse-mortgages/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/11/retirement.jpg</image:loc><image:title>retirement</image:title></image:image><lastmod>2010-11-02T19:15:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/10/28/deloitte-report-on-mortgage-brokers-38-use-brokers/</loc><lastmod>2010-10-28T16:58:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/10/26/crea-and-competition-bureau-reach-agreement-on-mls/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/10/competition-bureau.jpg</image:loc><image:title>Competition 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wide</image:title></image:image><lastmod>2010-10-18T17:19:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/10/14/mortgage-rate-forecast-in-canada/</loc><lastmod>2010-10-14T13:47:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/10/06/canadians-buying-florida-property-what-to-consider/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/10/florida-property.jpg</image:loc><image:title>Florida 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Rent</image:title></image:image><lastmod>2010-10-04T20:11:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/09/28/uncover-the-hidden-equity-in-your-home/</loc><lastmod>2010-10-04T20:08:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/10/01/sell-your-home-with-a-below-market-interest-rate/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/10/low-rate-mortgage.jpg</image:loc><image:title>Low rate 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Jackson</image:title></image:image><lastmod>2010-02-01T19:23:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/01/18/no-increase-expected-by-bank-of-canada/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/01/mark-carney-cp-6228606.jpg</image:loc><image:title>Mark Carney</image:title></image:image><lastmod>2010-02-01T19:16:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/01/29/how-to-reduce-mortgage-penalties/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/01/break-your-mortgage.jpg</image:loc><image:title>break your mortgage</image:title></image:image><lastmod>2011-05-03T02:02:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/01/28/mortgage-rates-went-down/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/01/graph-trend-down.jpg</image:loc><image:title>graph trend down</image:title></image:image><lastmod>2010-01-29T05:07:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/01/26/canadian-mortgage-lessons-101/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/01/mortgage-house.jpg</image:loc><image:title>Mortgage house</image:title></image:image><lastmod>2010-01-26T23:04:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/01/22/when-will-rates-go-up-and-by-how-much/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/01/inflation-graph.png</image:loc><image:title>Inflation graph</image:title></image:image><lastmod>2010-01-22T22:13:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/01/20/renovation-tax-credit-ending-jan-31-2010/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/01/home-renovation.jpg</image:loc><image:title>Home renovation</image:title></image:image><lastmod>2010-01-22T19:58:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/01/22/australian-mortgage-often-overlooked/</loc><image:image><image:loc>https://canadamortgagenews.ca/wp-content/uploads/2010/01/kangaroo1.jpg</image:loc><image:title>Kangaroo</image:title></image:image><lastmod>2010-01-22T19:57:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/01/15/december-09-best-ever-for-home-sales/</loc><lastmod>2010-01-18T03:52:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca/2010/01/14/variable-rate-pricing-drops-again/</loc><lastmod>2010-01-14T21:41:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://canadamortgagenews.ca</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2026-02-12T18:47:56+00:00</lastmod></url></urlset>
