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  <!-- Homepage -->
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    <loc>https://calgarymortgagerates.com/</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
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  <!-- Calgary Main Tools -->
  <url>
    <loc>https://calgarymortgagerates.com/calgary-mortgage-calculator</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://calgarymortgagerates.com/calculator</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Calgary Guides -->
  <url>
    <loc>https://calgarymortgagerates.com/calgary-mortgage-guide</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/mortgage-guide</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Calgary-Specific Pages -->
  <url>
    <loc>https://calgarymortgagerates.com/calgary-first-time-buyers</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://calgarymortgagerates.com/calgary-refinancing</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Individual Bank Pages (High Priority for Local SEO) -->
  <url>
    <loc>https://calgarymortgagerates.com/rbc-mortgage-rates-calgary</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/td-mortgage-rates-calgary</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://calgarymortgagerates.com/scotiabank-mortgage-rates-calgary</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/bmo-mortgage-rates-calgary</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/cibc-mortgage-rates-calgary</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Calgary Lender Categories -->
  <url>
    <loc>https://calgarymortgagerates.com/big-bank-rates-calgary</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/credit-union-rates-calgary</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/alberta-local-lenders</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Legacy Redirects -->
  <url>
    <loc>https://calgarymortgagerates.com/first-time-buyers</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/refinancing</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Core Pages -->
  <url>
    <loc>https://calgarymortgagerates.com/about</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/embed</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Mortgage Guide Subpages -->
  <url>
    <loc>https://calgarymortgagerates.com/mortgage-guide/mortgage-basics</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/mortgage-guide/fixed-vs-variable-rates</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/mortgage-guide/down-payment-requirements</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/mortgage-guide/credit-score-requirements</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/mortgage-guide/mortgage-pre-approval</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://calgarymortgagerates.com/mortgage-guide/debt-to-income-ratios</loc>
    <lastmod>2025-01-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
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