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  <!-- Home Page -->
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    <loc>https://secondmortgagecalculator.ca/</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Calculator Hub -->
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    <loc>https://secondmortgagecalculator.ca/calculators</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Individual Calculator Pages -->
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    <loc>https://secondmortgagecalculator.ca/calculator/standard</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://secondmortgagecalculator.ca/calculator/debt-consolidation</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://secondmortgagecalculator.ca/calculator/renovation</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://secondmortgagecalculator.ca/calculator/interest-only</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Content Guide Pages -->
  <url>
    <loc>https://secondmortgagecalculator.ca/second-mortgage-guide</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://secondmortgagecalculator.ca/how-to-get-second-mortgage-canada</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://secondmortgagecalculator.ca/second-mortgage-rates-canada</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Provincial Pages -->
  <url>
    <loc>https://secondmortgagecalculator.ca/ontario-second-mortgages</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://secondmortgagecalculator.ca/alberta-second-mortgages</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://secondmortgagecalculator.ca/bc-second-mortgages</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://secondmortgagecalculator.ca/quebec-second-mortgages</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Provincial Hub & Statistics -->
  <url>
    <loc>https://secondmortgagecalculator.ca/provincial-guides</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://secondmortgagecalculator.ca/second-mortgage-statistics</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://secondmortgagecalculator.ca/privacy-policy</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://secondmortgagecalculator.ca/terms-of-service</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://secondmortgagecalculator.ca/disclaimer</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

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