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  <!-- Core Pages -->
  <url><loc>https://mortgagewave.ca/</loc><lastmod>2026-02-18</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://mortgagewave.ca/calculator.html</loc><lastmod>2026-02-18</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://mortgagewave.ca/rates.html</loc><lastmod>2026-02-18</lastmod><changefreq>daily</changefreq><priority>0.95</priority></url>
  <url><loc>https://mortgagewave.ca/about.html</loc><lastmod>2026-02-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://mortgagewave.ca/contact.html</loc><lastmod>2026-02-18</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <!-- Service Pages -->
  <url><loc>https://mortgagewave.ca/services/purchase.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://mortgagewave.ca/services/refinance.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://mortgagewave.ca/services/renewal.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://mortgagewave.ca/services/investment.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <!-- Location Pages -->
  <url><loc>https://mortgagewave.ca/locations/toronto.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://mortgagewave.ca/locations/mississauga.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://mortgagewave.ca/locations/brampton.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://mortgagewave.ca/locations/vaughan.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://mortgagewave.ca/locations/markham.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <!-- Blog -->
  <url><loc>https://mortgagewave.ca/blog/</loc><lastmod>2026-03-29</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://mortgagewave.ca/blog/2026-03-bank-of-canada-rate-hold-renewal-tips.html</loc><lastmod>2026-03-29</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://mortgagewave.ca/blog/2026-02-mortgage-renewal-guide-ontario.html</loc><lastmod>2026-02-28</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://mortgagewave.ca/blog/mortgage-stress-test-canada-2026.html</loc><lastmod>2026-02-18</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://mortgagewave.ca/blog/first-time-home-buyer-guide-ontario.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://mortgagewave.ca/blog/fixed-vs-variable-mortgage-rates-canada.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://mortgagewave.ca/blog/down-payment-ontario.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://mortgagewave.ca/blog/best-mortgage-rate-toronto.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://mortgagewave.ca/blog/mortgage-pre-approval-guide.html</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://mortgagewave.ca/blog/2026-03-mortgage-renewal-guide-ontario.html</loc><lastmod>2026-03-07</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://mortgagewave.ca/blog/2026-03-boc-rate-hold-spring-market.html</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://mortgagewave.ca/blog/2026-03-ontario-buyers-market-spring.html</loc><lastmod>2026-03-22</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
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