<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>http://www.mortgagetips.io/</loc><lastmod>2014-06-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/About</loc><lastmod>2015-01-14</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/About/OurTeam</loc><lastmod>2014-01-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/About/OurTestimonials</loc><lastmod>2014-01-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/About/MortgageNews</loc><lastmod>2014-01-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/About/AboutMortgageArchitects</loc><lastmod>2014-03-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/About/OurLenders</loc><lastmod>2014-01-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/WhyUseABroker</loc><lastmod>2014-01-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/Solutions</loc><lastmod>2014-01-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/Solutions/Buy</loc><lastmod>2014-01-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/Solutions/Refinance</loc><lastmod>2014-03-27</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/Solutions/Renew</loc><lastmod>2014-01-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/Contact</loc><lastmod>2014-03-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/ApplyNow</loc><lastmod>2014-03-27</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/Calculators</loc><lastmod>2014-03-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/Calculators/PaymentAmount</loc><lastmod>2014-03-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/Calculators/ScenarioComparison</loc><lastmod>2014-03-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/Calculators/RentVsBuy</loc><lastmod>2014-03-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/Calculators/Affordability</loc><lastmod>2014-03-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/LearningCentre</loc><lastmod>2018-08-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/LearningCentre/Refinancing</loc><lastmod>2014-03-27</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/LearningCentre/Investing</loc><lastmod>2014-03-27</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/LearningCentre/VideoLibrary</loc><lastmod>2014-03-27</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/LearningCentre/Buying</loc><lastmod>2014-03-27</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/mortgage-types-101</loc><lastmod>2014-07-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/privacypolicy</loc><lastmod>2014-03-29</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/companynews</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/maacquiresargentum</loc><lastmod>2014-06-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/buying/4easysteps</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/buying/closingcosts</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/buying/cmhchomerenovation</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/buying/mortgagelifeinsurance</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/buying/new-to-canada</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/buying/rentvsbuy</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/buying/selfemployed</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/buying/titleinsurance</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/investing/investmentproperty</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/investing/investmentstrategy</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/50lenders</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/bankvsbroker</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/choosingtherightmortgage</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/fixedvsvariable</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/retirementsavingsplan</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/whatsyourcreditscore</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/refinancing/annualmortgagereview</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/refinancing/debtconsolidation</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/refinancing/financeyourrenovation</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/refinancing/holidaybills</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/refinancing/mortgagerenewal</loc><lastmod>2014-03-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/aprildunn</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/avenuemortgageinc</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/barbpinsent</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/News/BhupinderToor</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/caamptalksottawa</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/cathyle</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/emmanuelelkouby</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/firstone</loc><lastmod>2014-06-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/lindawalters</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/luciacraciun</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/lynesanfacon</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/mabrokercampaign</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/maconferencevideobang</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/magneticcapitaljoinsmabrokernetwork</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/marcideane</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/mariejoseelepage</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/mauricekwokjoinsma</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/moderategainsstartinginthemediumterm</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/nicolecuthbert</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/radiuslaunchesaffinityprogram</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/ratehikesdelay</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/stephaniesimpson</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/thomasmah</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/yanletartejoinsmabrokernetwork</loc><lastmod>2014-04-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/MyNews</loc><lastmod>2014-04-01</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/About/OurTeam/BrokerProfile</loc><lastmod>2014-04-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/rrsp-vs-mortgage</loc><lastmod>2014-04-08</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/LearningCentre/Investing/Thinking-About-A-Vacation-Property</loc><lastmod>2014-05-01</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/What-Google-searches-reveal-about-Canadas-housing-market</loc><lastmod>2014-05-07</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/be-life-rich-not-house-poor</loc><lastmod>2014-05-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/404</loc><lastmod>2014-06-06</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/buying/6-easy-steps-to-buy-your-first-home</loc><lastmod>2014-06-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics</loc><lastmod>2014-07-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/MA-launches-mobile-site</loc><lastmod>2014-09-16</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/house-prices-Canada-major-cities</loc><lastmod>2014-09-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/july-2014-housing-starts</loc><lastmod>2014-09-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canadians-feeling-optimistic</loc><lastmod>2014-09-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/mortgage-rates-101</loc><lastmod>2014-09-19</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/real-estate-market-on-pace-for-autumn</loc><lastmod>2014-10-06</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/sept-2014-housing-starts</loc><lastmod>2014-10-14</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/6-need-to-know-first-time-home-buyer-tips</loc><lastmod>2014-10-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/home-equity-vs-mortgage</loc><lastmod>2014-10-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/how-to-qualify-for-a-mortgage</loc><lastmod>2014-11-05</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/5waystoimproveyourcreditscore</loc><lastmod>2014-11-05</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/home-equity-buy-investment-property</loc><lastmod>2014-11-14</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/CMHC-releases-HPAA-results-2014</loc><lastmod>2014-11-24</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/first-time_home_buyers_tax_credit</loc><lastmod>2015-02-06</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/feb-2015-housing-starts</loc><lastmod>2015-03-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/crea-update-march-2015</loc><lastmod>2015-03-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/beyond-2015-recap</loc><lastmod>2015-03-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/what-is-a-mortgage-broker</loc><lastmod>2015-03-27</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/getting-a-mortgage-when-self-employed-Canada</loc><lastmod>2015-04-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/march-2015-housing-starts</loc><lastmod>2015-04-10</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/LearningCentre/Buying/Condo-Buying-101</loc><lastmod>2015-05-14</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/april-2015-housing-starts</loc><lastmod>2015-05-08</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/crea-update-04-2015</loc><lastmod>2015-05-20</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/cmhc-update-may-2015</loc><lastmod>2015-05-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/2015-cmhc-mortgage-survey-results</loc><lastmod>2015-06-04</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/may-2015-housing-starts</loc><lastmod>2015-06-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/caamp-2015-report-home-buying-canada</loc><lastmod>2015-06-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/API/Ratesheet</loc><lastmod>2015-07-08</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/vacation-home-pros-cons</loc><lastmod>2015-06-25</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/API/Calculators</loc><lastmod>2015-07-08</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/essential-tips-vacation</loc><lastmod>2015-07-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/june-2015-housing-starts</loc><lastmod>2015-07-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/LearningCentre/Buying/6Questions</loc><lastmod>2015-11-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/broker-networks-answer-the-challenge</loc><lastmod>2015-08-06</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/july-2015-housing-starts</loc><lastmod>2015-08-11</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/cooler-housing-markets-ahead</loc><lastmod>2015-11-19</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/LearningCentre/Refinancing/Mortgage-After-Bankruptcy</loc><lastmod>2015-11-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/november-2015-mortgage-renewal</loc><lastmod>2015-11-25</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/info-december-home-reno</loc><lastmod>2016-03-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/december-2015-locked-vs-variable</loc><lastmod>2016-03-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/why-should-I-get-pre-approval</loc><lastmod>2016-06-15</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/leveraging_for_investment</loc><lastmod>2016-08-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canadian-borrowers</loc><lastmod>2016-09-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/variable-mortgage-rates-will-soar</loc><lastmod>2016-09-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/10-Mortgage-Questions</loc><lastmod>2018-08-31</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/LearningCentre/Buying/Make-Mortgage-Work-For-You</loc><lastmod>2016-09-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/canadian-homebuyers-expected-to-bear-costs-of-tighter-mortgage-insurance-rules</loc><lastmod>2016-09-29</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/foreign-buyers-tax-data</loc><lastmod>2016-09-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/renovation-boom</loc><lastmod>2016-09-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/5-steps-to-improve-mortgage-health</loc><lastmod>2016-10-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/ottawa-housing-tax-real-estate</loc><lastmod>2016-10-04</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/ottawa-intervient-pour-eviter-une-bulle-immobiliere</loc><lastmod>2016-10-04</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/realtors-say-millennials-are-the-real-losers-from-new-mortgage-rules</loc><lastmod>2016-10-11</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/housing-starts-most-regions-including-quebec-toronto-sees-decline</loc><lastmod>2016-10-12</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/housing-market-correction-or-a-whole-lot-of-nothing-uncertainty-as-new-mortgage-rules-come-into-effect</loc><lastmod>2016-10-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/firm-vs-conditional-offer</loc><lastmod>2016-10-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/new-mortgage-rules-could-wipe-out-jobs</loc><lastmod>2016-10-19</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/housing-costs-consume-majority-of-disposable-income-in-b-c</loc><lastmod>2016-10-20</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/canadians-not-afraid-to-venture-outside-the-big-banks-for-financial-products</loc><lastmod>2016-10-24</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/cmhc-housing-market-analysis</loc><lastmod>2016-10-27</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/uk-expert-blames-system-for-vancouver-housing-crisis</loc><lastmod>2016-10-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/cmhc-calls-for-slowing-housing-market</loc><lastmod>2016-10-31</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/hiring-a-contractor</loc><lastmod>2016-11-01</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/no-further-plans-to-cool-down-markets</loc><lastmod>2016-11-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/toronto-home-sales-stay-hot-in-October</loc><lastmod>2016-11-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/calgary-home-sales-rise-for-second-consecutive-month</loc><lastmod>2016-11-04</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/multifamily-developments-still-hot-target-for-foreign-investors</loc><lastmod>2016-11-07</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/future-market-booms</loc><lastmod>2016-11-08</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Donald-Trump-Victory-Could-Send-Canadian-House-Prices-Even-Higher</loc><lastmod>2016-11-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/u-s-presidential-election-impact-of-trump-or-clinton-win-on-canadas-real-estate</loc><lastmod>2016-11-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/from-86k-to-3-3m-comparing-costs-of-housing-in-canada-u-s</loc><lastmod>2016-11-11</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/whats-in-store-for-canadian-real-estate-in-2017</loc><lastmod>2016-11-14</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/first-time-home-buyers-to-get-4-000-land-transfer-rebate</loc><lastmod>2016-11-15</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/real-estate-market-has-a-record-october-but-headwinds-coming-from-higher-rates</loc><lastmod>2016-11-16</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/crea-monthly-housing-numbers</loc><lastmod>2016-11-16</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/crea-monthly-housing-numbers</loc><lastmod>2016-11-16</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/why-trudeaus-tighter-mortgage-rules-are-likely-canadas-last</loc><lastmod>2016-11-21</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/affordable-housing-for-homeless-tops-ottawas-wishlist-for-national-housing-strategy</loc><lastmod>2016-11-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/the-pros-and-cons-of-condominium-ownership</loc><lastmod>2016-11-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/ational-housing-strategy-target-real-estate-investors</loc><lastmod>2016-11-24</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/mortgage-rule-changes-heighten-need-for-brokers</loc><lastmod>2016-11-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/higher-down-payments-needed-to-battle-housing-risks</loc><lastmod>2016-11-29</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/new-mortgage-rules-fail-to-cool</loc><lastmod>2016-12-05</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/banque-nationale-des-hypotheques-electroniques</loc><lastmod>2017-10-10</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/the-average-canadian-will-now-have-to-save-for-102-weeks-to-buy-a-house</loc><lastmod>2016-12-12</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Micro-Condos-Are-Still-Trending-In-Canada</loc><lastmod>2016-12-13</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canadians-thinking-outside-the-box-when-it-comes-to-snagging-dream-home</loc><lastmod>2016-12-14</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/what-the-fed-rate-hike-means-for-canadian-homeowners</loc><lastmod>2016-12-15</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/bc-introduces-innovative-new-program-to-help-first-time-homebuyers</loc><lastmod>2016-12-16</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/priced-out-of-the-housing-market</loc><lastmod>2016-12-19</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/home-buyers-optimistic-about-gta-real-estate-market</loc><lastmod>2016-12-20</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/how-a-simple-credit-error-can-ruin-your-home-owning-dream</loc><lastmod>2016-12-21</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/yellowknife-tenants-pay-highest-rent-in-canada</loc><lastmod>2016-12-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/secondary-suites-are-officially-the-new-normal</loc><lastmod>2016-12-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/setback-thermostats</loc><lastmod>2016-12-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/half-of-canadians-aged-18-to-34-own-homes</loc><lastmod>2016-12-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/realtors-say-canadian-home-prices-will-drop-in-2017</loc><lastmod>2016-12-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/housing-affordability-erodes-faster-in-toronto-than-vancouver</loc><lastmod>2016-12-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/interest-rate-increases-would-curb-spending-for-many-canadians</loc><lastmod>2017-01-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/expecting-to-buy-or-sell-a-home-in-toronto-in-2017</loc><lastmod>2017-01-04</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/new-chinese-money-rules-threaten-tide-of-foreign-buyers-in-canada</loc><lastmod>2017-01-05</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/home-ownership-remains-a-millennial-measure-of-success</loc><lastmod>2017-01-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/happy-new-year</loc><lastmod>2017-01-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/bank-of-mom-and-dad</loc><lastmod>2017-01-12</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/tips-to-get-your-finances-in-order</loc><lastmod>2017-01-16</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/january-is-the-best-month-to-buy-a-house-in-toronto</loc><lastmod>2017-01-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/splitting-up</loc><lastmod>2017-01-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/cmhc-to-increase-mortgage-insurance-premiums</loc><lastmod>2017-01-19</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/american-interest-in-canadian-real-estate</loc><lastmod>2017-01-20</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/is-your-home-a-better-place-to-park-investment-dollars-than-the-market</loc><lastmod>2017-01-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/smart-tips-to-make-buying-a-condo-easier</loc><lastmod>2017-01-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/smart-tips-to-make-buying-a-condo-easier</loc><lastmod>2017-01-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/what-would-a-toronto-real-estate-correction-mean</loc><lastmod>2017-01-25</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/bc-foreign-buyers-tax-really-did-yank-down-vancouver-home-prices</loc><lastmod>2017-01-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/should-you-pay-off-your-mortgage-early</loc><lastmod>2017-02-01</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/submission-to-the-standing-committee-on-finance</loc><lastmod>2017-02-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/why-variable-rate-mortgages-are-becoming-more-attractive-to-canadians</loc><lastmod>2017-02-06</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/7-expert-tips-on-moving-in-with-your-significant-other</loc><lastmod>2017-02-06</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/government-punishing-people-for-re-financing-mortgages</loc><lastmod>2017-02-21</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/6-strategies-for-paying-off-your-mortgage-faster</loc><lastmod>2017-02-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canadas-most-affordable-housing-market</loc><lastmod>2017-02-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/10-ways-save-big-renting-your-next-home</loc><lastmod>2017-02-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/3-trends-2017-canadian-apartment-investment</loc><lastmod>2017-02-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/tfsa-rrsp-or-get-rid-of-your-mortgage</loc><lastmod>2017-02-27</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/worst-mortgage-advice</loc><lastmod>2017-03-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/how-to-make-buying-a-home-less-stressful</loc><lastmod>2017-03-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/new-mortgage-rules-120-days-post-mortem</loc><lastmod>2017-03-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/money-mistakes-that-will-make-it-hard-to-buy-a-home-one-day</loc><lastmod>2017-03-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/no-more-housing-rule-changes</loc><lastmod>2017-03-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/5-dos-and-don-ts-of-buying-a-home-in-toronto</loc><lastmod>2017-03-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/top-things-to-consider-before-your-mortgage-renews</loc><lastmod>2017-03-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canadian-house-prices-since-1921</loc><lastmod>2017-03-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/what-the-cmhc-premium-hike-means-for-you</loc><lastmod>2017-03-21</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/another-reason-vancouver-home-prices-will-not-increase-quickly-year</loc><lastmod>2017-03-21</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/what-do-the-new-mortgage-rule-changes-mean-for-homeowners</loc><lastmod>2017-03-21</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Should-You-Pay-Down-the-Mortgage-or-Invest</loc><lastmod>2017-03-24</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/7-things-home-sellers-forget</loc><lastmod>2017-03-24</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/could-the-new-mortgage-rule-be-costing-you</loc><lastmod>2017-03-24</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/common-misconceptions-renters-have-about-home-buying</loc><lastmod>2017-03-24</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/building-the-foundation-of-a-house-buying-budget-requires-resisting-temptation</loc><lastmod>2017-04-04</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/if-you-sold-your-home-last-year-you-have-to-report-it-for-the-first-time-are-you-ready</loc><lastmod>2017-04-05</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/toronto-home-bidding-wars-so-fierce-that-homebuyers-are-skipping-inspections</loc><lastmod>2017-04-05</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/ottawa-seeks-high-level-meeting-to-discuss-torontos-soaring-house-prices</loc><lastmod>2017-04-07</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/buying-a-home-guide-to-getting-started</loc><lastmod>2017-04-07</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/young-canadian-home-buyers-face-challenges-entering-todays-market</loc><lastmod>2017-04-07</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/what-it-means-when-a-home-has-good-bones</loc><lastmod>2017-04-07</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/buy-canadian-real-estate-2017</loc><lastmod>2017-04-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/should-we-fret-canadian-housing-correction</loc><lastmod>2017-04-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/home-buying-regrets-for-millennials</loc><lastmod>2017-04-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/the-good-the-bad-and-the-ugly-of-ontarios-16-point-plan-to-tame-housing</loc><lastmod>2017-04-21</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/new-detached-home-prices-toronto-surge</loc><lastmod>2017-04-21</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/your-unconditional-purchase-offer-might-get-you-more-than-you-bargained-for</loc><lastmod>2017-04-21</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/torontos-housing-market-healthy</loc><lastmod>2017-04-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/40-chance-canadian-home-prices-level-off</loc><lastmod>2017-04-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/4-tips-for-homebuyers</loc><lastmod>2017-04-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canadas-housing-market-still-flashing-red-warning-but-some-signs-of-improvement-say-cmhc</loc><lastmod>2017-04-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/shifting-lifestyles-fuelling-shifts-in-condo-market-say-experts</loc><lastmod>2017-05-04</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/home-purchase-pitfalls-unmarried-couples</loc><lastmod>2017-05-04</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/defanging-the-housing-price-monster</loc><lastmod>2017-05-04</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/the-state-of-luxury-housing-if-1-million-buys-you-a-diyers-special-then-what-is-the-new-threshold-for-luxe-living</loc><lastmod>2017-05-12</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/aging-canadian-population-housing-market</loc><lastmod>2017-05-12</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/first-time-buyers-opting-condos-across-major-canadian-markets</loc><lastmod>2017-05-12</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/how-to-deal-with-moving-back-home</loc><lastmod>2017-05-19</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/you-can-always-move-to-nova-scotia-to-buy-your-first-home</loc><lastmod>2017-05-19</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/vancouver-makes-eight-sites-available-for-housing</loc><lastmod>2017-05-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/can-you-afford-that</loc><lastmod>2017-05-31</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/10-ways-canadians-can-make-money-off-homes-without-selling</loc><lastmod>2017-06-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/should-you-pay-down-mortgage-or-invest</loc><lastmod>2017-06-05</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/neighborhood-shopping</loc><lastmod>2017-06-05</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/broker-market-share-is-growing</loc><lastmod>2017-06-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/first-time-home-buyer-mistakes</loc><lastmod>2017-06-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/protecting-your-purchase</loc><lastmod>2017-06-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/how-borrowers-savers-and-investors-can-prepare-for-higher-interest-rates</loc><lastmod>2017-06-15</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/what-is-mortgage-fraud</loc><lastmod>2017-06-15</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/what-is-a-mortgage-broker</loc><lastmod>2017-06-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/predicting-the-future-of-canadas-largest-market</loc><lastmod>2017-06-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/how-to-break-free-from-the-vicious-circle-of-renting</loc><lastmod>2017-06-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/study-reveals-the-1-reason-millennials-want-to-pack-up-and-move</loc><lastmod>2017-06-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/expect-canadas-housing-market-crash-dont-count-on-it</loc><lastmod>2017-06-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/new-home-essentials</loc><lastmod>2017-06-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/gta-home-values-cottage-country-prices</loc><lastmod>2017-06-27</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canadian-home-sales-see-biggest-monthly-drop-in-7-years</loc><lastmod>2017-07-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/anatomy-of-historic-housing-bubbles-canadas-market</loc><lastmod>2017-07-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/LearningCentre/mortgagebasics/words-to-know-when-buying-a-house</loc><lastmod>2017-07-19</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/government-measures-are-cooling-off-the-housing-market-morneau-says</loc><lastmod>2017-07-21</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/was-the-cmhc-premium-increase-really-a-tax-increase</loc><lastmod>2017-07-24</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canadas-economic-growth-just-blew-past-expectations</loc><lastmod>2017-07-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/even-condos-are-now-unattainable-for-most-of-torontos-middle-class</loc><lastmod>2017-07-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/toronto-home-buyers-and-sellers-play-the-waiting-game</loc><lastmod>2017-08-16</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/what-is-a-mortgage-broker2</loc><lastmod>2017-08-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/blog/october-2015-closing-costs</loc><lastmod>2017-08-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/rent-in-the-city-own-in-small-towns-canadas-new-real-estate-trend</loc><lastmod>2017-09-01</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/mandatory-energy-audits-would-impose-costly-time-consuming-burden-on-home-sales</loc><lastmod>2017-09-01</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/after-rate-hike-canadian-housing-braces-for-biggest-rule-change-of-all-time</loc><lastmod>2017-09-08</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canadian-real-estate-great-recession-recovery</loc><lastmod>2017-09-08</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/prices-canadian-market-dropped-first-time-since-january-2016</loc><lastmod>2017-09-15</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/buying-home-ask-partner-these-4-questions</loc><lastmod>2017-09-15</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/new-financing-rules-could-drive-more-consumers-into-more-volatile-mortgages</loc><lastmod>2017-09-20</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/how-to-pay-less-capital-gains-tax-on-a-rental-property</loc><lastmod>2017-09-20</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/what-exactly-affects-your-credit-score</loc><lastmod>2017-10-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/vancouver-toronto-home-prices-square-foot-globally</loc><lastmod>2017-10-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/homeownership-costs-canadians-forget</loc><lastmod>2017-10-10</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/interest-rate-mortgage</loc><lastmod>2017-10-16</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/home-sales-gain-ground-in-september</loc><lastmod>2017-10-16</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/what-you-need-to-know-about-the-latest-mortgage-rule-changes</loc><lastmod>2017-10-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/one-in-three-canadians-already-feeling-rising-interest-rates-poll</loc><lastmod>2017-10-24</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/one-last-gasp-for-the-canadian-residential-market-as-rule-changes-cloud-2018-outlook</loc><lastmod>2017-11-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/7-credit-score-myths-even-shrewd-home-buyers-fall-for</loc><lastmod>2017-11-07</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/home-sales-may-spike-in-november-and-december</loc><lastmod>2017-11-20</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/expenses-first-time-buyers-should-expect-to-pay</loc><lastmod>2017-11-20</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canadians-rush-to-get-mortgages</loc><lastmod>2017-11-29</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/agent-and-broker-advice-will-be-crucial-in-2018</loc><lastmod>2017-12-04</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/tougher-mortgage-rules-could-affect-up-to-50000-potential-home-buyers-a-year-report</loc><lastmod>2017-12-12</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/how-to-move-in-bad-weather</loc><lastmod>2017-12-14</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/home-sales-seen-to-fall-more-than-5-percent</loc><lastmod>2017-12-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/housing-market-impact-2018</loc><lastmod>2018-01-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/five-ways-to-cure-your-christmas-debt-hangover</loc><lastmod>2018-01-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/five-reasons-the-bank-of-canada-might-not-rise-its-rate-next-week</loc><lastmod>2018-01-10</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/what-to-do-about-your-debt-after-the-interest-rate-hike</loc><lastmod>2018-01-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canada-s-mortgage-changes-could-hurt-overall-economy</loc><lastmod>2018-01-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/real-estate-board-predicts-flat-prices-and-sales-this-year</loc><lastmod>2018-01-31</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/new-mortgage-rules-sending-borrowers-down-the-credit-ladder-to-alt-lenders</loc><lastmod>2018-02-06</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canadas-mortgage-rules-buying-experts-prices</loc><lastmod>2018-02-12</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/5-ways-millennial-couples-can-prepare-for-homeownership</loc><lastmod>2018-02-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/mortgagebasics/did-you-miss-the-rrsp-contribution-deadline</loc><lastmod>2018-03-05</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/uninsured-mortgages-surge-amid-cooldown-in-housing-activity</loc><lastmod>2018-03-27</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/review-of-sales-practices-at-big-six-banks-finds-risks-of-mis-selling-to-customers</loc><lastmod>2018-04-05</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/two-reasons-to-consider-a-variable-rate-mortgage</loc><lastmod>2018-04-05</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/mortgage-delinquencies-canada</loc><lastmod>2018-04-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/heres-the-income-you-need-to-pass-the-mortgage-stress-test-across-canada</loc><lastmod>2018-04-19</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/td-bank-discounts-5-year-variable-mortgage-rate-as-competition-heats-up</loc><lastmod>2018-05-16</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/4-major-hurdles-for-first-time-buyers-and-how-to-get-over-them</loc><lastmod>2018-06-01</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Reverse-Mortgages-may-be-the-least-costly-way-to-access-the-equity-in-your-home</loc><lastmod>2018-06-11</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/3-ways-new-mortgage-stress-test-affected-canadian-housing-market-last-month</loc><lastmod>2018-06-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/b-c-government-intends-to-crack-down-on-hidden-ownership-of-real-estate</loc><lastmod>2018-06-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/odds-of-a-july-rate-hike-are-dropping</loc><lastmod>2018-06-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/mortgage-borrowing-millennials-canada</loc><lastmod>2018-06-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/property-land-transfer-taxes-cities-canada</loc><lastmod>2018-07-16</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/cmhc-wants-to-make-it-easier</loc><lastmod>2018-07-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/did-you-fib-on-your-mortgage-application</loc><lastmod>2018-07-23</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/higher-interest-rates-to-hit-younger-middle-income-households-federal-analysis</loc><lastmod>2018-07-31</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/single-women-leading-the-charge-as-demographics-of-homebuying-change</loc><lastmod>2018-07-31</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/mortgage-brokers-vs-banks-the-pros-and-cons</loc><lastmod>2018-08-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/bank-says-canadian-housing-market-poised-comeback</loc><lastmod>2018-08-29</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/learningcentre/videolibrary/videotest</loc><lastmod>2018-08-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/videolibrary/videob</loc><lastmod>2018-08-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/videolibrary/renewalvid</loc><lastmod>2018-09-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/bank-of-canada-interest-rate-hike-oct-24</loc><lastmod>2018-09-06</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/housing-markets-canada-strongest-weakest</loc><lastmod>2018-09-07</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/can-appliances-really-impact-my-mortgage</loc><lastmod>2018-09-07</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/making-the-most-of-your-mortgage-broker</loc><lastmod>2018-09-13</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/buyer-beware-how-purchasing-property-from-a-non-resident-of-canada-could-leave-you-with-a-hefty-tax-bill</loc><lastmod>2018-09-13</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/my-mortgage-planner-app</loc><lastmod>2018-09-20</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/mortgage-seniors-canada-transunion</loc><lastmod>2018-09-21</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/housing-affordability-more-important-bc-millennials-fighting-climate-change-childcare</loc><lastmod>2018-10-04</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/20-years-old-20-per-cent-down-on-a-house-its-possible</loc><lastmod>2018-10-17</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/interest-rates-just-hiked-heres-means</loc><lastmod>2018-10-25</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/superstitions-stigmas-haunted-houses</loc><lastmod>2018-10-29</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/why-real-estate-builds-wealth</loc><lastmod>2018-11-29</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/bank-of-canada-holds-interest-rate</loc><lastmod>2018-12-06</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/is-your-mortgage-insurable</loc><lastmod>2018-12-10</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/ower-interest-rates-end-2019</loc><lastmod>2018-12-20</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/should-my-bonus-go-to-the-mortgage-or-rrsp</loc><lastmod>2019-01-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/mortgage-stress-test-toronto-renters</loc><lastmod>2019-01-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/problem-canadian-governments-mortgage-stress-test</loc><lastmod>2019-01-14</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/3-reasons-high-household-debt-canada-housing-crash</loc><lastmod>2019-01-21</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canada-considers-applying-mortgage-stress-test-rules-to-private-lenders</loc><lastmod>2019-01-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/essential-finance-tips-first-time-homebuyer</loc><lastmod>2019-02-05</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/homeownership-affordable-singles-canada</loc><lastmod>2019-02-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/first-time-homebuyers-guide-buying-home-insurance</loc><lastmod>2019-03-08</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/how-the-federal-budget-could-tweak-the-mortgage-stress-test</loc><lastmod>2019-03-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/3-ways-change-mortgage-stress-test-canadian-homebuyers</loc><lastmod>2019-03-26</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/how-much-does-it-cost-to-build-a-house</loc><lastmod>2019-04-15</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/house-price-forecast-canada</loc><lastmod>2019-05-22</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/toronto-population-growth</loc><lastmod>2019-06-03</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/getting-the-keys</loc><lastmod>2019-06-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/is-owning-a-home-best-bet</loc><lastmod>2019-06-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/tips-to-help-you-afford-a-home</loc><lastmod>2019-07-25</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/a-home-inspection-can</loc><lastmod>2019-07-29</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/4-costs-to-consider</loc><lastmod>2019-08-19</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/mortgage-brokers-can-help</loc><lastmod>2019-09-11</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/canadas-first-time-homebuyer-incentive-program</loc><lastmod>2019-09-24</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/6-things-all-co-signors-should-consider</loc><lastmod>2019-09-30</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/should-you-go-fixed-or-variable</loc><lastmod>2019-11-08</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/an-age-old-debate</loc><lastmod>2019-12-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Refinancing-Paying-a-Mortgage-Off-Faster</loc><lastmod>2020-02-07</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/leverage-your-rrsps</loc><lastmod>2020-02-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/up-or-downsizing</loc><lastmod>2020-02-18</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/what-you-need-to-know-before-you-buy</loc><lastmod>2020-03-12</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/refinancing-your-mortgage</loc><lastmod>2020-03-12</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/covid-19</loc><lastmod>2020-03-20</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/To-Defer-or-Not-to-Defer</loc><lastmod>2020-04-02</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Determine-Your-Monthly-Budget</loc><lastmod>2020-05-11</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/New-to-Canada</loc><lastmod>2020-05-11</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/5-Things-to-Know-Before-you-Renovate</loc><lastmod>2020-05-11</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/before-house-hunting</loc><lastmod>2020-06-12</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/advantages-of-a-Pre-Approval</loc><lastmod>2020-06-12</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Mortgage-Insurance-and-Your-Borrowing-Power</loc><lastmod>2020-07-14</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/What-Your-Banker-Wont-Tell-You</loc><lastmod>2020-07-14</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Credit-Clean-Up</loc><lastmod>2020-09-10</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Fixed-vs.-Variable</loc><lastmod>2020-11-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Debt-Free-Holiday</loc><lastmod>2020-11-09</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/new/Making-Your-Finances-Work</loc><lastmod>2020-12-13</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/New-Year-Resolutions-for-Your-Home</loc><lastmod>2020-12-13</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/The-Benefit-of-Rate-Holds</loc><lastmod>2021-05-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Looking-to-Upsize</loc><lastmod>2021-05-28</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Understanding-Insurance</loc><lastmod>2022-08-11</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Reverse-Mortgages-and-What-to-Know</loc><lastmod>2022-08-11</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Refinancing-What-You-Should-Know</loc><lastmod>2022-08-11</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Purchase-Plus-Home-Improvements</loc><lastmod>2022-08-11</lastmod><changefreq>daily</changefreq></url><url><loc>http://www.mortgagetips.io/news/Dreaming-of-a-Home-Away-From-Home</loc><lastmod>2022-08-11</lastmod><changefreq>daily</changefreq></url></urlset>