<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Homepage -->
  <url>
    <loc>https://calchomerate.com/</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://calchomerate.com/"/>
    <xhtml:link rel="alternate" hreflang="en-CA" href="https://calchomerate.com/"/>
  </url>

  <!-- Affordability Calculator -->
  <url>
    <loc>https://calchomerate.com/affordability/</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://calchomerate.com/affordability/"/>
    <xhtml:link rel="alternate" hreflang="en-CA" href="https://calchomerate.com/affordability/"/>
  </url>

  <!-- Mortgage Payment Calculator -->
  <url>
    <loc>https://calchomerate.com/mortgage-payment/</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://calchomerate.com/mortgage-payment/"/>
    <xhtml:link rel="alternate" hreflang="en-CA" href="https://calchomerate.com/mortgage-payment/"/>
  </url>

  <!-- Refinance Calculator -->
  <url>
    <loc>https://calchomerate.com/refinance/</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://calchomerate.com/refinance/"/>
    <xhtml:link rel="alternate" hreflang="en-CA" href="https://calchomerate.com/refinance/"/>
  </url>

  <!-- Rent vs Buy Calculator -->
  <url>
    <loc>https://calchomerate.com/rent-vs-buy/</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en-US" href="https://calchomerate.com/rent-vs-buy/"/>
    <xhtml:link rel="alternate" hreflang="en-CA" href="https://calchomerate.com/rent-vs-buy/"/>
  </url>

  <!-- Privacy Policy -->
  <url>
    <loc>https://calchomerate.com/privacy.html</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Terms of Use -->
  <url>
    <loc>https://calchomerate.com/terms.html</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- About Us -->
  <url>
    <loc>https://calchomerate.com/about.html</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Contact -->
  <url>
    <loc>https://calchomerate.com/contact.html</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Mortgage Guides Hub -->
  <url>
    <loc>https://calchomerate.com/guides/</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- OSFI Stress Test Guide -->
  <url>
    <loc>https://calchomerate.com/guides/osfi-mortgage-stress-test-canada.html</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- CMHC Insurance Guide -->
  <url>
    <loc>https://calchomerate.com/guides/cmhc-insurance-canada.html</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- GDS TDS Ratio Guide -->
  <url>
    <loc>https://calchomerate.com/guides/gds-tds-ratio-canada.html</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Accelerated Bi-Weekly Guide -->
  <url>
    <loc>https://calchomerate.com/guides/accelerated-biweekly-mortgage.html</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Minimum Down Payment Guide -->
  <url>
    <loc>https://calchomerate.com/guides/minimum-down-payment-canada-2026.html</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

</urlset>
