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 <url>
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 </url>
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 </url>
 <url>
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 <url>
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 <url>
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 <url>
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 </url>
 <url>
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 <url>
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 <url>
  <loc>https://canadamortgagenews.ca/2014/01/20/buy-now-or-wait-for-house-prices-to-fall-the-results-may-surprise-you/</loc>
  <lastmod>2014-01-20T01:45:43Z</lastmod>
 </url>
 <url>
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 <url>
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  <lastmod>2014-06-30T13:08:47Z</lastmod>
 </url>
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  <loc>https://canadamortgagenews.ca/2014/01/30/olympics-are-coming-and-so-are-the-dumb-bank-ads/</loc>
  <lastmod>2014-01-30T02:52:59Z</lastmod>
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 <url>
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  <lastmod>2014-03-25T22:37:59Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/04/04/is-your-banker-giving-you-their-best-rate/</loc>
  <lastmod>2014-04-04T13:54:48Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/04/29/online-shopping-for-stocks-vacations-and-mortgages-an-in-depth-comparison/</loc>
  <lastmod>2015-04-29T01:09:59Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/04/10/self-employed-and-cant-prove-all-income-theres-a-new-mortgage-solution/</loc>
  <lastmod>2014-04-10T15:02:56Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/04/15/slow-credit-or-poor-credit-theres-a-mortgage-solution/</loc>
  <lastmod>2014-04-16T01:42:57Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/04/12/watch-mortgageletdown-stevegarganis-on-youtube/</loc>
  <lastmod>2014-04-12T21:12:31Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/04/14/darryl-sittler-made-his-fortune-in-real-estate-not-hockey/</loc>
  <lastmod>2014-04-14T17:50:33Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/04/28/watch-lowratehandcuffs-stevegarganis-on-youtube/</loc>
  <lastmod>2014-04-28T15:17:59Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/05/01/cmhc-higher-premiums-start-today/</loc>
  <lastmod>2014-05-01T21:37:04Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/01/23/td-green-or-td-greed-as-they-refuse-to-lower-the-prime-rate/</loc>
  <lastmod>2015-03-14T17:04:19Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/06/10/your-credit-score-is-more-important-than-ever/</loc>
  <lastmod>2014-06-10T19:12:19Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/06/18/use-your-mortgage-to-pull-debt-together-and-save-for-retirement/</loc>
  <lastmod>2014-06-18T01:04:12Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/06/22/the-star-article-on-private-lenders/</loc>
  <lastmod>2014-08-25T19:55:38Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/07/11/mortgage-renewal-opportunities-missed/</loc>
  <lastmod>2014-07-10T21:35:11Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/08/08/but-it-came-in-a-beautiful-box/</loc>
  <lastmod>2014-08-09T12:20:51Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/08/13/variable-or-fixed-an-update-on-how-to-choose/</loc>
  <lastmod>2014-12-11T19:15:08Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/09/04/news-stats-higher-debt-but-lower-defaults/</loc>
  <lastmod>2014-10-31T20:00:36Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/09/08/federal-govt-finally-takes-action-on-collateral-mortgages/</loc>
  <lastmod>2015-01-16T21:41:04Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/09/10/more-disclosure-but-still-no-standardization-of-mortgage-penalties/</loc>
  <lastmod>2014-09-10T21:45:41Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/10/08/senior-deputy-governor-says-lower-rates-are-the-new-normal/</loc>
  <lastmod>2014-11-20T15:13:17Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/10/21/rbc-charges-homeowner-8900-penalty-or-15-months-interest-charge/</loc>
  <lastmod>2015-04-13T17:56:24Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/10/28/when-this-guy-cant-qualify-for-a-mortgage-you-know-the-mortgage-rules-are-too-tight/</loc>
  <lastmod>2014-12-11T18:40:04Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/10/27/bi-weekly-payment-myth-it-wont-pay-your-mortgage-off-faster/</loc>
  <lastmod>2014-10-27T13:33:56Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/11/12/attn-ontario-landlords-rent-control-rules-may-not-apply/</loc>
  <lastmod>2014-11-12T16:19:23Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/12/11/housing-bubble-waiting-for-the-crash-before-buying-has-cost-you-60-in-the-last-6-years/</loc>
  <lastmod>2014-12-31T19:47:24Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/06/04/new-2nd-mortgage-options-at-3-50-with-no-legal-fee-or-appraisal-fee/</loc>
  <lastmod>2015-06-03T18:57:34Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2014/12/31/looking-ahead-to-2015-rates-and-trends/</loc>
  <lastmod>2015-01-01T22:15:26Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/01/16/so-you-think-rates-are-gonna-spike-up-this-year-who-says/</loc>
  <lastmod>2015-01-16T01:19:15Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/01/21/interest-rate-surprise-not-to-our-readers-bank-of-canada-drops-key-lending-rate-to-0-75-per-cent/</loc>
  <lastmod>2015-02-24T18:46:52Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/01/21/bank-of-canada-rate-cut-is-positive-news-dont-listen-to-fear-mongers/</loc>
  <lastmod>2015-01-22T01:32:13Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/01/29/big-six-banks-finally-cut-prime-rate-well-sort-of/</loc>
  <lastmod>2015-01-30T00:17:19Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/02/03/record-low-bond-yields-means-even-lower-fixed-mortgage-rates/</loc>
  <lastmod>2015-02-03T20:54:23Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/03/02/rate-shopping-sites-tested-again-and-failed-again/</loc>
  <lastmod>2015-03-02T03:53:13Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/02/28/mortgage-rates-hit-record-lows-again/</loc>
  <lastmod>2015-02-28T00:33:52Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/03/14/historical-low-mortgage-rates-mean-record-high-penalties-for-big-six-bank-clients/</loc>
  <lastmod>2015-03-30T19:38:16Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/03/05/collateral-mortgages-a-different-50-shades-of-grey/</loc>
  <lastmod>2015-03-05T23:45:05Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/02/24/will-variable-rates-increase-as-bank-prime-drops/</loc>
  <lastmod>2015-02-24T19:02:13Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/02/26/no-set-up-costs-secured-line-of-credit-at-prime-plus-0-50/</loc>
  <lastmod>2015-02-26T00:57:22Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/02/27/15000-savings-by-breaking-his-mortgage-early-and-getting-into-todays-low-rates/</loc>
  <lastmod>2015-02-27T21:33:20Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/03/09/22500-savings-by-breaking-mortgage-and-getting-into-todays-low-rates/</loc>
  <lastmod>2015-03-09T21:14:31Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/03/27/news-flash-bmo-and-tds-2-79-is-great-but-it-isnt-the-lowest-rate/</loc>
  <lastmod>2015-03-27T03:28:29Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/04/01/rbc-announces-employee-pricing-for-mortgages-and-its-april-fools-day/</loc>
  <lastmod>2015-04-01T02:33:26Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/04/21/cmhc-increased-insurance-premiums-again-but-still-cheaper-than-10-yrs-ago/</loc>
  <lastmod>2015-05-19T19:38:44Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/05/14/bond-yields-are-up-will-fixed-mortgage-rates-follow/</loc>
  <lastmod>2015-05-19T19:40:33Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/05/27/trumps-george-ross-says-canadas-housing-market-is-undervalued/</loc>
  <lastmod>2015-05-27T18:30:01Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/06/02/rbc-q2-earnings-hit-new-record-2-5billion-and-they-raised-their-bank-fees-enough-already/</loc>
  <lastmod>2015-06-02T20:27:34Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/06/05/down-payment-verification-a-quick-checklist-to-ensure-your-purchase-goes-smoothly/</loc>
  <lastmod>2021-02-24T16:09:08Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/06/10/rogers-communications-shutting-down-zoocasa-com-on-june-22-2015/</loc>
  <lastmod>2015-06-10T19:24:39Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/08/04/hey-what-happened-to-the-bmo-low-rate-mortgage/</loc>
  <lastmod>2015-08-11T23:45:23Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/07/29/big-six-banks-arent-passing-along-the-bank-of-canada-rate-cut-to-consumers/</loc>
  <lastmod>2015-07-29T18:13:48Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/08/31/rates-usually-drop-leading-up-to-a-federal-election/</loc>
  <lastmod>2015-09-01T02:40:04Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/09/02/its-september-sharpen-your-pencils/</loc>
  <lastmod>2015-09-02T14:44:11Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/09/17/these-clients-broke-their-mortgage-paid-a-penalty-and-still-saved-between-9000-and-26000/</loc>
  <lastmod>2015-10-13T01:25:33Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/10/09/personal-debt-level-concerns-are-overblown/</loc>
  <lastmod>2015-10-09T13:56:34Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/10/20/fall-2015-housing-market-remains-hot/</loc>
  <lastmod>2015-10-20T19:08:56Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/10/21/trudeau-effect-on-housing-market-interest-rates-and-more/</loc>
  <lastmod>2015-10-21T14:56:03Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/10/22/have-fixed-mortgage-rates-hit-the-bottom/</loc>
  <lastmod>2015-10-22T13:50:21Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/10/28/new-land-transfer-tax-for-all-of-ontario-ms-wynne-stop-the-madness/</loc>
  <lastmod>2015-11-06T18:47:50Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/10/30/today-is-your-last-chance-to-stop-doubling-of-land-transfer-tax/</loc>
  <lastmod>2015-11-12T17:48:40Z</lastmod>
 </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>2015-11-07T05:23:41Z</lastmod>
 </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>2015-11-12T21:31:35Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/11/17/last-week-was-horrible-but-this-experience-made-me-believe-it-the-human-spirit/</loc>
  <lastmod>2015-11-17T13:33:03Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/11/24/mortgage-rates-went-up-but-why-and-will-they-continue-to-go-up/</loc>
  <lastmod>2019-11-09T16:11:38Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/12/09/negative-interest-rates-by-the-bank-of-canada-no-not-likely/</loc>
  <lastmod>2016-02-12T21:37:48Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2015/12/14/higher-minimum-down-payment-coming-relax-its-just-political-posturing/</loc>
  <lastmod>2015-12-14T18:09:30Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/01/11/us-fed-rate-hike-doesnt-mean-bank-of-cda-rate-hike/</loc>
  <lastmod>2016-02-17T04:07:16Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/01/17/credit-card-hangover-make-2016-a-painless-year/</loc>
  <lastmod>2016-01-18T02:17:33Z</lastmod>
 </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>2016-01-05T04:42:35Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/01/26/record-savings-levels-canadians-i-thought-we-had-record-personal-debt/</loc>
  <lastmod>2016-01-26T17:47:10Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/02/16/attn-firstline-mortgage-clients-beware-cibc-brand-renewal-offer/</loc>
  <lastmod>2021-04-04T17:17:10Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/03/30/variable-rate-is-out-fixed-rates-are-in-but-which-term/</loc>
  <lastmod>2023-07-05T22:03:38Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/04/13/not-about-mortgages-cut-the-crap/</loc>
  <lastmod>2016-04-13T18:43:14Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/04/25/mortgage-penalty-calculations-more-important-than-the-interest-rate/</loc>
  <lastmod>2016-06-03T16:38:52Z</lastmod>
 </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>2016-05-26T17:04:54Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/05/31/should-you-look-at-10-year-fixed-rate-mortgages/</loc>
  <lastmod>2016-05-31T17:21:16Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/06/01/short-term-fixed-products-are-still-in/</loc>
  <lastmod>2016-06-27T13:04:38Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/06/21/new-record-low-fixed-rates-how-low-can-they-go/</loc>
  <lastmod>2016-06-21T15:15:12Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/07/15/mortgage-brief-bank-of-canada-doesnt-change-rate/</loc>
  <lastmod>2016-07-15T17:31:46Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/07/28/mortgage-brief-bcs-15-foreign-property-tax-coming-to-toronto/</loc>
  <lastmod>2021-01-20T17:07:51Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/07/29/mortgage-brief-homebuyer-of-the-future/</loc>
  <lastmod>2016-07-28T21:00:02Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/09/06/us-election-year-low-rates-today-but-higher-rates-tomorrow/</loc>
  <lastmod>2016-09-06T18:42:57Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/10/19/mortgage-brief-is-it-worth-changing-your-mortgage-today/</loc>
  <lastmod>2016-10-19T15:26:50Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/10/04/mortgage-brief-new-liberal-govt-mortgage-rule-changes-and-what-it-means/</loc>
  <lastmod>2016-10-17T17:49:15Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/11/02/mortgage-brief-cmhc-red-warning-whats-it-mean/</loc>
  <lastmod>2016-11-02T16:10:02Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/10/31/mortgage-tricks-and-treats/</loc>
  <lastmod>2016-10-31T21:49:22Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/11/01/mortgage-brief-td-raises-it-bank-prime-going-rogue-for-now/</loc>
  <lastmod>2016-11-18T16:21:30Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/11/07/marital-splits-woman-seem-to-be-at-higher-risk-when-it-comes-to-finances/</loc>
  <lastmod>2016-11-07T17:10:49Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/11/14/unexpected-trump-win-on-canadian-mortgage-rates-and-market/</loc>
  <lastmod>2016-11-14T22:35:26Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/11/16/bridge-loans-explained-your-bank-hates-them-but-they-are-extremely-useful/</loc>
  <lastmod>2016-11-16T22:18:02Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/11/18/bi-weekly-payment-myth-it-doesnt-pay-your-mortgage-off-faster/</loc>
  <lastmod>2016-11-25T20:03:07Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2017/02/21/finally-a-tax-break-on-lander-transfer-tax/</loc>
  <lastmod>2017-11-18T22:52:58Z</lastmod>
 </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>
  <lastmod>2017-02-24T00:56:40Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2016/12/19/mortgage-brief-mortgages-rules-explained-and-why-didnt-the-govt-consult-experts/</loc>
  <lastmod>2017-10-17T17:27:02Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2017/01/28/debt-diversification-vs-debt-consolidation-who-wins/</loc>
  <lastmod>2017-01-27T22:50:23Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2017/02/20/coming-soon-higher-cmhc-premiums-march-17-2017/</loc>
  <lastmod>2017-02-20T18:22:02Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2017/02/27/another-example-of-big-six-bank-inflated-penalty-calculation-13634-00-wow/</loc>
  <lastmod>2017-02-27T00:38:17Z</lastmod>
 </url>
 <url>
  <loc>https://canadamortgagenews.ca/2017/02/28/panic-buying-when-will-the-housing-market-slow-down/</loc>
  <lastmod>2017-03-08T16:46:04Z</lastmod>
 </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>2017-03-15T19:05:15Z</lastmod>
 </url>
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