<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/here-s-when-anz-will-lift-variable-rates-after-rba-hike</loc>
        <lastmod>2026-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-passes-rba-march-hike-onto-borrowers</loc>
        <lastmod>2026-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-reveals-it-will-lift-variable-mortgage-rates-after-rba-decision</loc>
        <lastmod>2026-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-to-hike-variable-rates-on-27-march-after-rba-move</loc>
        <lastmod>2026-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-will-lift-variable-home-loan-rates-on-27-march-after-rba-hike</loc>
        <lastmod>2026-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-hikes-cash-rate-to-4-10-in-second-2026-move</loc>
        <lastmod>2026-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-poised-for-march-hike-says-commbank</loc>
        <lastmod>2026-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-and-westpac-bet-on-march-rba-hike</loc>
        <lastmod>2026-03-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-last-big-four-bank-to-forecast-may-rba-rate-rise</loc>
        <lastmod>2026-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-hikes-fixed-home-loan-rates-again</loc>
        <lastmod>2026-02-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-macquarie-amid-tsunami-of-home-loan-rate-hikers</loc>
        <lastmod>2026-02-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-roaring-into-the-mortgage-market-as-banks-hike-rates</loc>
        <lastmod>2026-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heartland-bank-reverses-rba-mortgage-hike</loc>
        <lastmod>2026-02-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-banks-hiking-home-loan-rates-more-than-rba</loc>
        <lastmod>2026-02-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/likelihood-of-a-may-rba-hike-firms-as-big-4-banks-alter-outlook</loc>
        <lastmod>2026-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-to-hike-mortgage-rates-following-rba-decision</loc>
        <lastmod>2026-02-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-to-hike-variable-mortgage-rates-following-rba-decision</loc>
        <lastmod>2026-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-to-lift-mortgage-rates-from-xx-february</loc>
        <lastmod>2026-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-will-hike-variable-home-loan-rates-after-rba-move</loc>
        <lastmod>2026-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-to-pass-on-rba-rate-hike-to-home-loan-holders</loc>
        <lastmod>2026-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-lifts-cash-rate-to-3-85-home-loan-rates-set-to-follow</loc>
        <lastmod>2026-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-s-bankwest-and-nab-s-ubank-move-mortgage-rates-ahead-of-key-rba-decision</loc>
        <lastmod>2026-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-revives-smsf-property-lending-with-superedge</loc>
        <lastmod>2026-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interest-rate-hikes-firm-amid-hotter-than-expected-inflation</loc>
        <lastmod>2026-01-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-hikes-fixed-rates-as-likelihood-of-rba-hike-grows</loc>
        <lastmod>2026-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-macquarie-hike-home-loan-interest-rates</loc>
        <lastmod>2026-01-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-fixed-mortgage-rates-take-off-as-anz-and-ing-hike</loc>
        <lastmod>2025-12-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fixed-rates-rocket-as-major-banks-warn-of-rba-hikes</loc>
        <lastmod>2025-12-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-tips-rba-rate-hike-as-nab-lifts-fixed-home-loan-rates</loc>
        <lastmod>2025-12-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-raises-fixed-rates-by-up-to-35bps-after-rba-shift</loc>
        <lastmod>2025-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-hold-to-end-2025</loc>
        <lastmod>2025-12-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/second-hike-in-a-month-macquarie-lifts-fixed-home-loan-rates</loc>
        <lastmod>2025-12-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-s-bankwest-anz-s-suncorp-hike-fixed-home-loan-rates</loc>
        <lastmod>2025-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/help-to-buy-shared-equity-scheme-to-launch-with-two-participating-lenders</loc>
        <lastmod>2025-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-puts-brakes-on-high-debt-to-income-lending</loc>
        <lastmod>2025-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-ends-4-99-deal-no-sub-5-home-loan-rates-left-among-big-4</loc>
        <lastmod>2025-11-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-competition-heats-up-while-affordability-plunges-to-record-lows</loc>
        <lastmod>2025-11-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-bank-the-latest-to-hike-fixed-home-loan-rates</loc>
        <lastmod>2025-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investor-lending-hits-record-high-as-property-punters-splurge</loc>
        <lastmod>2025-11-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-lifts-fixed-mortgage-rates</loc>
        <lastmod>2025-11-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubank-launches-10-deposit-no-insurance-home-loan</loc>
        <lastmod>2025-11-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/5-deposit-scheme-uptake-jumps-50-after-income-place-caps-binned</loc>
        <lastmod>2025-11-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-holds-cash-rate-at-3-60-in-november</loc>
        <lastmod>2025-11-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-s-online-home-loan-applications-surge-fivefold-as-borrowers-go-digital</loc>
        <lastmod>2025-11-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-selling-rams-home-loan-portfolio-to-pepper-money-co</loc>
        <lastmod>2025-11-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-bank-economists-unanimously-predict-no-more-2025-rate-cuts</loc>
        <lastmod>2025-10-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-promises-60b-to-first-home-buyers-developers-amid-housing-crisis</loc>
        <lastmod>2025-10-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-relief-on-ice-as-cpi-tops-forecasts</loc>
        <lastmod>2025-10-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-owned-unloan-lowers-home-loan-rates</loc>
        <lastmod>2025-10-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investor-and-owner-occupier-mortgage-rates-converge-to-closest-level-on-record</loc>
        <lastmod>2025-10-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-relief-spreads-nationwide-but-melbourne-lags-behind</loc>
        <lastmod>2025-10-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-s-suncorp-commbank-s-bankwest-lower-home-loan-rates</loc>
        <lastmod>2025-10-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cuts-hold-property-investor-lending-at-multi-year-highs</loc>
        <lastmod>2025-10-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-cuts-new-lowest-big-four-bank-variable-mortgage-rate</loc>
        <lastmod>2025-10-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-borrowers-may-be-worse-off-with-offset-accounts-research</loc>
        <lastmod>2025-10-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-officially-alone-in-forecasting-more-2025-rba-rate-cuts</loc>
        <lastmod>2025-10-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-reconsiders-no-more-rate-cuts-in-2025</loc>
        <lastmod>2025-10-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-holds-cash-rate-at-3-60-in-september</loc>
        <lastmod>2025-09-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-could-purchase-7-years-sooner-following-home-guarantee-expansion</loc>
        <lastmod>2025-09-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-september-meeting-why-borrowers-shouldn-t-bank-on-a-rate-cut</loc>
        <lastmod>2025-09-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/inflation-shock-sees-market-waver-on-further-rba-rate-cuts</loc>
        <lastmod>2025-09-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-scraps-november-rba-rate-cut-hopes-cba-warns-not-a-done-deal-as-big-4-diverge</loc>
        <lastmod>2025-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-reveals-4-99-home-loan-rate</loc>
        <lastmod>2025-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-faces-40m-penalty-admits-to-failing-struggling-home-loan-holders</loc>
        <lastmod>2025-09-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-sweetens-lowest-mortgage-rate-with-mega-qantas-points</loc>
        <lastmod>2025-09-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/one-of-australia-s-largest-customer-owned-banks-launches-40-year-mortgages</loc>
        <lastmod>2025-09-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-cuts-variable-mortgage-rates</loc>
        <lastmod>2025-09-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loans-under-5-westpac-joins-the-fixed-rate-war</loc>
        <lastmod>2025-08-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-westpac-lower-variable-home-loan-rates</loc>
        <lastmod>2025-08-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-guarantee-scheme-expansion-all-first-time-buyers-offered-5-deposit-option</loc>
        <lastmod>2025-08-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-anz-home-loan-rates</loc>
        <lastmod>2025-08-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/august-2025-rba-cash-rate-decision</loc>
        <lastmod>2025-08-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cuts-these-lenders-have-already-slashed-mortgage-rates</loc>
        <lastmod>2025-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-fined-15m-for-failing-struggling-borrowers</loc>
        <lastmod>2025-08-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-to-slash-mortgage-rates-after-rba-move</loc>
        <lastmod>2025-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-is-cutting-rates-following-rba-move-when-will-yours-drop</loc>
        <lastmod>2025-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-confirms-rate-cut-after-rba-decision-here-s-when-it-kicks-in</loc>
        <lastmod>2025-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-moves-biggest-bank-to-pass-on-rba-rate-cut</loc>
        <lastmod>2025-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-first-mortgage-lender-to-pass-on-rba-rate-cut</loc>
        <lastmod>2025-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-cut-again-in-august-2025</loc>
        <lastmod>2025-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-hike-variable-home-loan-rate-boq-cut-fixed</loc>
        <lastmod>2025-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-bendigo-cut-home-loan-rates-aug-25</loc>
        <lastmod>2025-08-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-up-cut-home-loan-rates</loc>
        <lastmod>2025-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/greater-bank-imb-cut-home-loan-rates-jul25</loc>
        <lastmod>2025-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-changes-home-lending-rules-on-student-debt</loc>
        <lastmod>2025-07-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/no-change-to-mortgage-serviceability-buffer-2025</loc>
        <lastmod>2025-07-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-4-94-fixed-rate-home-loan</loc>
        <lastmod>2025-07-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rates-hold-fire</loc>
        <lastmod>2025-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-bitcoin-backed-home-deposit-loan</loc>
        <lastmod>2025-07-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-lenders-keeping-powder-dry-amid-rba-call</loc>
        <lastmod>2025-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/no-cut-to-cash-rate-in-july-2025</loc>
        <lastmod>2025-07-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/July-cash-rate-cut-on-the-way</loc>
        <lastmod>2025-07-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-amp-bank-australia-shift-home-loan-rates-ahead-of-rba-decision</loc>
        <lastmod>2025-07-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-launches-new-home-loan-application-option-for-self-employed-australians</loc>
        <lastmod>2025-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-slashes-home-loan-rates-to-as-low-as-5-19</loc>
        <lastmod>2025-07-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-revises-call-sees-rba-cutting-to-3-60-in-july</loc>
        <lastmod>2025-06-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-flips-july-rba-rate-cut-tipped-after-surprise-inflation-drop</loc>
        <lastmod>2025-06-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-first-home-buyers-promised-more-deposit-support</loc>
        <lastmod>2025-06-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fixed-rate-frenzy-bendigo-adelaide-slash-up-to-90bps</loc>
        <lastmod>2025-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/unloan-mutual-banks-cut-home-loan-rates-after-rba-move</loc>
        <lastmod>2025-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2026-will-be-another-year-of-rba-cuts-westpac</loc>
        <lastmod>2025-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/love-hate-relationship-why-big-banks-are-stepping-back-from-brokers</loc>
        <lastmod>2025-06-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-extends-30-000-first-home-buyer-grant</loc>
        <lastmod>2025-06-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-loan-refinance-rates-westpac-cuts-mortgage-costs</loc>
        <lastmod>2025-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-owned-rams-sued-for-home-loan-misconduct</loc>
        <lastmod>2025-06-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/today-s-mortgage-refinance-rates-commbank-nab-anz-slash-home-loan-rates</loc>
        <lastmod>2025-05-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-bank-to-lower-home-loan-rates-following-rba-decision</loc>
        <lastmod>2025-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/when-will-westpac-pass-the-rba-rate-cut-onto-home-loan-holders</loc>
        <lastmod>2025-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-to-cut-home-loan-rates-following-rba-decision</loc>
        <lastmod>2025-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-to-slash-variable-home-loan-rates-following-rba-cut</loc>
        <lastmod>2025-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-mortgage-relief-rba-slashes-cash-rate-25bp-to-3-85</loc>
        <lastmod>2025-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-to-drop-home-loan-interest-rates-following-rba-cut</loc>
        <lastmod>2025-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cut-coming-tomorrow-but-will-falls-keep-flowing</loc>
        <lastmod>2025-05-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-four-bank-downgrades-rba-forecast-for-2025-one-less-cut</loc>
        <lastmod>2025-05-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fixed-variable-home-loan-rates-on-the-move-amid-rba-excitement</loc>
        <lastmod>2025-05-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-drops-fixed-home-loan-rates-to-as-low-as-5-39</loc>
        <lastmod>2025-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-slashes-lowest-variable-mortgage-rate</loc>
        <lastmod>2025-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-shake-up-boq-newcastle-permanent-greater-bank-cut-rates</loc>
        <lastmod>2025-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-launches-10-year-interest-only-loan</loc>
        <lastmod>2025-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/police-bank-slashes-home-loan-rates-to-under-5-p-a</loc>
        <lastmod>2025-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-cuts-variable-home-loan-rates-on-election-eve</loc>
        <lastmod>2025-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/inflation-back-in-rba-target-may-rate-cut-locked-in</loc>
        <lastmod>2025-04-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-market-low-home-loan-rate</loc>
        <lastmod>2025-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lowest-fixed-rate-a-surprising-bank-just-took-the-top-spot</loc>
        <lastmod>2025-04-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-mortgage-tax-deduction-debate-if-we-subsidise-investors-why-not-homeowners-too</loc>
        <lastmod>2025-04-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-bankwest-bendigo-bank-make-major-mortgage-moves</loc>
        <lastmod>2025-04-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-slashes-more-than-1-from-offset-home-loan-rates</loc>
        <lastmod>2025-04-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/5-deposits-tax-deductible-mortgages-what-each-party-is-promising-first-home-buyers</loc>
        <lastmod>2025-04-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-market-wrap-big-cuts-big-predictions-big-questions</loc>
        <lastmod>2025-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-to-deliver-monster-cash-rate-cut-in-may-nab</loc>
        <lastmod>2025-04-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-to-ignore-mortgage-applicants-hecs-help-debts</loc>
        <lastmod>2025-04-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-hold-april-2025</loc>
        <lastmod>2025-04-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/coalition-pledges-to-cut-mortgage-serviceability-buffer-boost-borrowing-power</loc>
        <lastmod>2025-04-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-hit-record-high-after-rba-february-rate-cut</loc>
        <lastmod>2025-04-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-board-meets-again-are-back-to-back-rate-cuts-likely</loc>
        <lastmod>2025-03-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/boq-lenders-slashing-home-loan-interest-rates</loc>
        <lastmod>2025-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2025-federal-budget-what-s-in-it-for-mortgage-holders-home-loan-seekers</loc>
        <lastmod>2025-03-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/help-to-buy-income-and-price-caps-hiked</loc>
        <lastmod>2025-03-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-westpac-lead-rate-cut-bonanza</loc>
        <lastmod>2025-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-takes-first-shot-in-refinancing-war-slashing-variable-rates</loc>
        <lastmod>2025-03-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeowners-poised-for-rate-cut-profits-as-fixed-rate-cliff-pain-eases</loc>
        <lastmod>2025-03-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/great-southern-australian-military-and-the-mutual-bank-shake-rates-up</loc>
        <lastmod>2025-03-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-hobart-house-prices-bounce-amid-rba-rate-cut-excitement</loc>
        <lastmod>2025-03-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-nab-anz-other-majors-cut-home-loan-rates</loc>
        <lastmod>2025-02-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ing-to-provide-free-nathers-assessments-for-mortgage-customers</loc>
        <lastmod>2025-02-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/athena-drops-mortgage-rates-amid-rba-cash-rate-cut</loc>
        <lastmod>2025-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-bank-cuts-home-loan-rates-following-rba-decision</loc>
        <lastmod>2025-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-cuts-home-loan-interest-rates-following-rba-move</loc>
        <lastmod>2025-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-to-cut-variable-home-loan-rates-following-rba-decision</loc>
        <lastmod>2025-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-cuts-home-loan-interest-rates-following-rba-decision</loc>
        <lastmod>2025-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-slashes-home-loan-interest-rates-in-wake-of-rba-cut</loc>
        <lastmod>2025-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-2025-february</loc>
        <lastmod>2025-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-relief-rba-expected-to-cut-interest-rates-on-tuesday</loc>
        <lastmod>2025-02-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-slashes-fixed-mortgage-rates-ahead-of-rba-call</loc>
        <lastmod>2025-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hecs-help-barrier-to-be-lowered-for-would-be-home-loan-borrowers</loc>
        <lastmod>2025-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/gen-z-new-landlord-generation</loc>
        <lastmod>2025-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australians-housing-crisis-rents-and-regrets</loc>
        <lastmod>2025-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/majority-of-home-loan-borrowers-regret-their-mortgage-choices</loc>
        <lastmod>2025-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-imb-and-regional-australia-bank-among-those-slashing-mortgage-rates</loc>
        <lastmod>2025-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-slashes-fixed-home-loan-rates</loc>
        <lastmod>2025-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-calm-before-the-rate-cut-storm-the-banks-slashing-mortgage-rates-this-week</loc>
        <lastmod>2025-01-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-joins-big-bank-peers-in-tipping-february-rate-cut</loc>
        <lastmod>2025-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-flips-rba-rate-cut-now-forecast-for-february</loc>
        <lastmod>2025-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/inflation-falling-is-a-february-rba-rate-cut-on-the-cards</loc>
        <lastmod>2025-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/teachers-mutual-imb-summerland-join-macquarie-in-cutting-mortgage-rates</loc>
        <lastmod>2025-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-reveals-big-bank-beating-fixed-mortgage-rates</loc>
        <lastmod>2025-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/g-c-mutual-capricornian-australian-unity-cut-home-loan-rates</loc>
        <lastmod>2025-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-predicts-february-rate-cut</loc>
        <lastmod>2025-01-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bendigo-bank-peers-shake-up-home-loan-rates</loc>
        <lastmod>2024-12-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/newcastle-permanent-pepper-money-make-home-loan-moves</loc>
        <lastmod>2024-12-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-holds-cash-rate-at-4-35-in-last-decision-for-2024</loc>
        <lastmod>2024-12-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-latest-big-bank-to-falter-on-rate-cut-forecast</loc>
        <lastmod>2024-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bank-of-sydney-up-bank-make-home-loan-rate-moves</loc>
        <lastmod>2024-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-upholds-serviceability-buffer-amid-first-home-buyer-challenges</loc>
        <lastmod>2024-11-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-cuts-variable-home-loan-rates</loc>
        <lastmod>2024-11-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-shake-up-home-loan-rates-as-hopes-of-near-term-rba-cut-wane</loc>
        <lastmod>2024-11-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-delays-cash-rate-call</loc>
        <lastmod>2024-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/typical-new-homeowner-in-dire-mortgage-stress-as-affordability-plummets</loc>
        <lastmod>2024-11-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-teachers-mutual-summerland-cut-variable-rates</loc>
        <lastmod>2024-11-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-delays-rba-cash-rate-cut-forecast-to-may</loc>
        <lastmod>2024-11-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-slashes-variable-rates</loc>
        <lastmod>2024-11-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ing-green-upgrade-loan</loc>
        <lastmod>2024-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/boq-me-bank-adjust-home-loan-rates-amid-rba-decision</loc>
        <lastmod>2024-11-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-holds-cash-rate-at-4-35</loc>
        <lastmod>2024-11-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-loan-moves-people-s-choice-anz-auswide-drop-rates</loc>
        <lastmod>2024-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-dashes-borrowers-hopes-no-rate-cut-in-2024</loc>
        <lastmod>2024-10-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/inflation-falters-but-not-by-enough-to-force-an-rba-rate-cut</loc>
        <lastmod>2024-10-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-cuts-home-loan-rates</loc>
        <lastmod>2024-10-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-makes-mortgage-rate-adjustments-as-inflation-figures-loom</loc>
        <lastmod>2024-10-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stamp-duty-slashed-on-victorian-off-the-plan-unit-purchases</loc>
        <lastmod>2024-10-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquaire-boq-me-bank-make-major-home-loan-rate-moves</loc>
        <lastmod>2024-10-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-bank-hikes-fixed-home-loan-rates</loc>
        <lastmod>2024-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-last-big-4-bank-to-slash-home-loan-rates</loc>
        <lastmod>2024-10-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-beyond-bank-peoples-choice-slash-fixed-home-loan-rates</loc>
        <lastmod>2024-10-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-cuts-home-loan-interest-rates</loc>
        <lastmod>2024-10-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-hsbc-bank-australia-slash-rates</loc>
        <lastmod>2024-10-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-tips-earlier-rba-rate-cut</loc>
        <lastmod>2024-09-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/major-mutuals-mince-home-loan-rates-as-inflation-dragon-weakens</loc>
        <lastmod>2024-09-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nt-grants-of-up-to-50k-for-home-builders-to-open</loc>
        <lastmod>2024-09-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-holds-cash-rate-september-24</loc>
        <lastmod>2024-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-boq-bendigo-bank-slash-fixed-rates</loc>
        <lastmod>2024-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-pushes-rate-cut-forecast-to-december</loc>
        <lastmod>2024-09-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-leading-fixed-home-loan-rate-unveiled</loc>
        <lastmod>2024-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/boq-joins-fixed-rate-dive</loc>
        <lastmod>2024-09-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-app-helps-aussies-maximise-their-offset-account</loc>
        <lastmod>2024-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-expands-eligibility-for-low-rate-digital-only-anz-plus-home-loan</loc>
        <lastmod>2024-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ing-macquaire-nabs-ubank-and-cbas-bankwest-slash-home-loan-rates</loc>
        <lastmod>2024-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nabs-ubank-cuts-variable-home-loan-rates</loc>
        <lastmod>2024-09-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/median-property-price-800k-melbourne-lags</loc>
        <lastmod>2024-09-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hsbc-westpac-group-unveil-new-home-loan-rates</loc>
        <lastmod>2024-08-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nt-home-buyer-grants-up-to-50k</loc>
        <lastmod>2024-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-stress-eases-as-stage-3-tax-cuts-come-in</loc>
        <lastmod>2024-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commonwealth-bank-slashes-fixed-and-variable-home-loan-rates</loc>
        <lastmod>2024-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-23-august-24</loc>
        <lastmod>2024-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-slashes-fixed-home-loan-rates</loc>
        <lastmod>2024-08-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-sustainable-upgrades-home-loan</loc>
        <lastmod>2024-08-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-16-august-24</loc>
        <lastmod>2024-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-house-price-forecast-2024-2026</loc>
        <lastmod>2024-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-cuts-fixed-interest-rates</loc>
        <lastmod>2024-08-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-9-august-24</loc>
        <lastmod>2024-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-falters-on-forecasted-rba-cut-closes-rams-to-new-customers</loc>
        <lastmod>2024-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/g-c-mutual-hikes-market-leading-variable-rate</loc>
        <lastmod>2024-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-holds-rates-steady-first-cut-tipped-for-this-year</loc>
        <lastmod>2024-08-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lending-indicators-hvi-august-24</loc>
        <lastmod>2024-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-2-august-24</loc>
        <lastmod>2024-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cpi-july-rba-cash-rate</loc>
        <lastmod>2024-07-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/1-in-4-mortgage-holders-have-less-than-5k-saved</loc>
        <lastmod>2024-07-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cpi-inflation-june-2024</loc>
        <lastmod>2024-07-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-26-july-24</loc>
        <lastmod>2024-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-fixed-rate-cuts</loc>
        <lastmod>2024-07-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-19-july-24</loc>
        <lastmod>2024-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-12-july-24</loc>
        <lastmod>2024-07-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/treasurer-approves-anz-suncorp-acquisition</loc>
        <lastmod>2024-07-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-5-july-24</loc>
        <lastmod>2024-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stamp-duty-slashed-in-tasmania-first-home-buyer-grant-cut</loc>
        <lastmod>2024-07-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-brisbane-adelaide-property-records-100k-gain</loc>
        <lastmod>2024-07-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-28-june-24</loc>
        <lastmod>2024-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tax-cuts-to-add-47k-to-home-buying-budgets</loc>
        <lastmod>2024-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-forecasts-first-cash-rate-cut-in-may-2025</loc>
        <lastmod>2024-06-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-21-june-24</loc>
        <lastmod>2024-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auswide-bank-slashes-variable-rate</loc>
        <lastmod>2024-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-holds-cash-rate-at-4-35-as-homeowners-hoard-cash-in-offsets</loc>
        <lastmod>2024-06-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-tipped-to-maintain-cash-rate-june</loc>
        <lastmod>2024-06-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-14-june-24</loc>
        <lastmod>2024-06-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-unperturbed-until-2026-amid-stubborn-interest-rates</loc>
        <lastmod>2024-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-stamp-duty-threshold-hiked</loc>
        <lastmod>2024-06-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-7-june-24</loc>
        <lastmod>2024-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investor-lending-back-with-a-bang</loc>
        <lastmod>2024-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stamp-duty-scrapped-for-select-first-home-buyers-in-south-australia</loc>
        <lastmod>2024-06-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-31-may-24</loc>
        <lastmod>2024-05-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-launches-digital-only-home-loan</loc>
        <lastmod>2024-05-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rate-wrap-24-may-24</loc>
        <lastmod>2024-05-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-backs-coposit-10k-deposits</loc>
        <lastmod>2024-05-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2024-25-federal-budget</loc>
        <lastmod>2024-05-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-decision-march-2024</loc>
        <lastmod>2024-03-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-leaves-rates-unchanged-in-february</loc>
        <lastmod>2024-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-rental-costs-enter-2024-at-record-highs</loc>
        <lastmod>2024-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brisbane-property-prices-have-eclipsed-melbourne</loc>
        <lastmod>2024-01-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/losses-on-short-term-property-purchases-increase</loc>
        <lastmod>2023-12-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hl-wrap-15dec</loc>
        <lastmod>2023-12-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-housing-supply-could-get-a-boost-with-planning-reforms</loc>
        <lastmod>2023-12-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-december-2023</loc>
        <lastmod>2023-12-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lvrs-lower-amid-higher-interest-rates</loc>
        <lastmod>2023-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-in-melbourne-sydney-tipped-to-tumble-in-2024</loc>
        <lastmod>2023-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/wa-landlords-10k</loc>
        <lastmod>2023-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increase-november-2023</loc>
        <lastmod>2023-11-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cup-day-blow-for-mortgage-holders-as-reserve-bank-hikes-to-4-35</loc>
        <lastmod>2023-11-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-a-november-hike-might-mean-for-the-property-market</loc>
        <lastmod>2023-10-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/spring-selling-season-kicks-off-with-listings-spike</loc>
        <lastmod>2023-10-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lending-indicators-august-2023</loc>
        <lastmod>2023-10-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/up-home-loans-savings strategies</loc>
        <lastmod>2023-10-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-october-2023</loc>
        <lastmod>2023-10-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-home-value-index-september-2023</loc>
        <lastmod>2023-10-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-preview-october-2023</loc>
        <lastmod>2023-09-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-council-survey-september-2023</loc>
        <lastmod>2023-09-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suburbs-to-consider-for-upsizers</loc>
        <lastmod>2023-09-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/kpmg-housing-market-outlook-2025</loc>
        <lastmod>2023-09-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-shared-equity-scheme-september-2023-update</loc>
        <lastmod>2023-09-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/relief-tactics-for-refinancers</loc>
        <lastmod>2023-09-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/domain-housing-tenure-and-profit-2023</loc>
        <lastmod>2023-09-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hotspotting-price-predictor-index-spring-2023</loc>
        <lastmod>2023-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/unit-shortage-looms-over-housing-market</loc>
        <lastmod>2023-09-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/newcastle-permanent-digital-home-loans</loc>
        <lastmod>2023-09-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/qld-wa-record-highest-net-interstate-migration-march-2023</loc>
        <lastmod>2023-09-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ahuri-policy-recommendations-for-housing</loc>
        <lastmod>2023-09-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-it-time-to-fix-rates-as-hikes-end</loc>
        <lastmod>2023-09-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-australia-future-fund-to-pass</loc>
        <lastmod>2023-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-clearance-rate-10-september-2023</loc>
        <lastmod>2023-09-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/factors-supporting-housing-market-recovery</loc>
        <lastmod>2023-09-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordable-suburbs-under-550k</loc>
        <lastmod>2023-09-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/migration-trends-august-2023</loc>
        <lastmod>2023-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-decision-september-2023</loc>
        <lastmod>2023-09-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/proptrack-housing-affordability-index-september-2023</loc>
        <lastmod>2023-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-preview-september-2023</loc>
        <lastmod>2023-09-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-home-value-index-august-2023</loc>
        <lastmod>2023-09-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downsizing-hotspots-and-suburbs-with-longest-hold-periods-2023</loc>
        <lastmod>2023-08-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hia-new-home-sales-july-2023</loc>
        <lastmod>2023-08-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/importance-of-car-space-among-home-buyers</loc>
        <lastmod>2023-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/equity-position-of-home-guarantee-participants</loc>
        <lastmod>2023-08-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-insurance-affordability-stress-2023</loc>
        <lastmod>2023-08-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-listings-july-2023</loc>
        <lastmod>2023-08-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-regional-market-update-july-2023</loc>
        <lastmod>2023-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-appeal-driving-prices-and-rents</loc>
        <lastmod>2023-08-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hia-corelogic-land-report-march-2023</loc>
        <lastmod>2023-08-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-hikes-increase-use-of-mortgage-brokers</loc>
        <lastmod>2023-08-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rebaa-cautions-against-unqualified-property-advice</loc>
        <lastmod>2023-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/finding-the-oldest-homes-in-australia</loc>
        <lastmod>2023-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-house-price-forecast-2023</loc>
        <lastmod>2023-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-options-for-struggling-aussies</loc>
        <lastmod>2023-08-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/pexa-refinancing-activity-fy-2023</loc>
        <lastmod>2023-08-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/proptrack-house-price-outlook-end-2023</loc>
        <lastmod>2023-08-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expert-comments-on-august-rate-pause</loc>
        <lastmod>2023-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-august-2023</loc>
        <lastmod>2023-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lending-indicators-dwelling-approvals-june-2023</loc>
        <lastmod>2023-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-home-value-index-july-2023</loc>
        <lastmod>2023-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-online-refinancing-optimisation</loc>
        <lastmod>2023-07-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/proptrack-biggest-home-price-gainers-june-2023</loc>
        <lastmod>2023-07-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-preview-august-2023</loc>
        <lastmod>2023-07-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/domain-house-price-report-june-2023</loc>
        <lastmod>2023-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/pexa-property-settlement-report-fy-2023</loc>
        <lastmod>2023-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-best-place-to-invest-2023</loc>
        <lastmod>2023-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-sales-june-2023</loc>
        <lastmod>2023-07-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/renovation-intentions-resolve-study-july-2023</loc>
        <lastmod>2023-07-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ngm-group-digital-home-loans-for-refinancers</loc>
        <lastmod>2023-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/afg-mortgage-lending-results-fy-2023</loc>
        <lastmod>2023-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/retirement-units-affordability-2023</loc>
        <lastmod>2023-07-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuilding-activity-march-2023</loc>
        <lastmod>2023-07-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-listings-june-2023</loc>
        <lastmod>2023-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-relaxes-while-anz-maintains-stress-test-for-refinancers</loc>
        <lastmod>2023-07-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rules-for-investing-amid-high-interest-rates</loc>
        <lastmod>2023-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suburbtrends-affordable-desirable-suburbs-2023</loc>
        <lastmod>2023-07-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-market-june-2023</loc>
        <lastmod>2023-07-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-hold-july-2023</loc>
        <lastmod>2023-07-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-preview-major-bank-economists-july-2023</loc>
        <lastmod>2023-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-guarantee-scheme-changes-2023-24</loc>
        <lastmod>2023-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-price-index-june-2023</loc>
        <lastmod>2023-07-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-joins-home-guarantee-scheme-lender-panel</loc>
        <lastmod>2023-06-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/most-in-demand-suburbs-winter-2023</loc>
        <lastmod>2023-06-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-pain-and-gain-march-2023</loc>
        <lastmod>2023-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victoria-social-housing-needs</loc>
        <lastmod>2023-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hia-housing-affordability-index-march-2023</loc>
        <lastmod>2023-06-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suburbs-with-most-serviceable-mortgages</loc>
        <lastmod>2023-06-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/impact-of-rate-hikes-on-internal-migration-trends</loc>
        <lastmod>2023-06-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-relaxes-serviceability-rules-for-refinancers</loc>
        <lastmod>2023-06-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suburbs-where-prices-doubled-may-2023</loc>
        <lastmod>2023-06-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/domain-2024-housing-market-forecast</loc>
        <lastmod>2023-06-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/impact-of-rate-hikes-on-mortgaged-markets</loc>
        <lastmod>2023-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suburbtrends-suburbs-with-tightest-listings-june-2023</loc>
        <lastmod>2023-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fomo-impacts-perth-property</loc>
        <lastmod>2023-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-sales-may-2023</loc>
        <lastmod>2023-06-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/proptrack-listings-autumn-2023</loc>
        <lastmod>2023-06-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/htag-study-on-times-it-takes-to-pay-off-home-loan</loc>
        <lastmod>2023-06-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reia-housing-affordability-report-march-2023</loc>
        <lastmod>2023-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-reminds-banks-of-serviceability-rules</loc>
        <lastmod>2023-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-guarantee-scheme-milestone-2023</loc>
        <lastmod>2023-06-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-purchases-surge-in-regional-markets</loc>
        <lastmod>2023-06-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-experts-react-to-june-2023-rate-hike</loc>
        <lastmod>2023-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/majors-reaction-june-2023-rate-hike</loc>
        <lastmod>2023-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increase-june-2023</loc>
        <lastmod>2023-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-hike-june-2023</loc>
        <lastmod>2023-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-preview-june-2023</loc>
        <lastmod>2023-06-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lending-indicators-april-2023</loc>
        <lastmod>2023-06-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-confidence-in-homeownership-crumbles</loc>
        <lastmod>2023-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/proptrack-home-price-index-may-2023</loc>
        <lastmod>2023-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/refinancing-struggles-of-first-home-owners</loc>
        <lastmod>2023-05-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-corelogic-affordability-report-2023</loc>
        <lastmod>2023-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/pandemic-policies-intensified-homeownership-challenges</loc>
        <lastmod>2023-05-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ideal-family-home-is-changing</loc>
        <lastmod>2023-05-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-changes-rules-for-refinancers</loc>
        <lastmod>2023-05-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-rate-hike-special-offer-may-2023</loc>
        <lastmod>2023-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-changes-to-stamp-duty-exemption-thresholds</loc>
        <lastmod>2023-05-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-teachers-unable-to-afford-housing</loc>
        <lastmod>2023-05-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-must-change-rules-for-refinancing</loc>
        <lastmod>2023-05-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/falling-rates-locked-first-home-buyers</loc>
        <lastmod>2023-05-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-new-cash-rate-peak-forecast-2023</loc>
        <lastmod>2023-05-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-exploiting-cashback-offers</loc>
        <lastmod>2023-05-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suburbtrends-most-affordable-apartment-markets-may-2023</loc>
        <lastmod>2023-05-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-rentvesting-still-a-good-investment-strategy</loc>
        <lastmod>2023-05-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/unpacking-budget-2023-24-policies-for-homebuyers</loc>
        <lastmod>2023-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-ends-cashback-offers</loc>
        <lastmod>2023-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-changes-coming-sneak-peek-at-federal-budget-2023-24-housing-policies</loc>
        <lastmod>2023-05-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/financial-stress-hinder-renters-from-saving-for-homeownership</loc>
        <lastmod>2023-05-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/abs-lending-indicators-march-2023</loc>
        <lastmod>2023-05-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/refinancing-eclipses-new-loans-in-march-2023</loc>
        <lastmod>2023-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-four-reaction-rba-rate-hike-may-2023</loc>
        <lastmod>2023-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bridgit-single-security-bridging-loan</loc>
        <lastmod>2023-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-hike-may-2023</loc>
        <lastmod>2023-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increase-may-2023</loc>
        <lastmod>2023-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/adelaide-bank-removes-upfront-fees-for-new-borrowers</loc>
        <lastmod>2023-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-home-value-index-april-2023</loc>
        <lastmod>2023-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-preview-may-2023</loc>
        <lastmod>2023-04-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-rate-changes-april-2023</loc>
        <lastmod>2023-04-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-dwelling-price-forecast-for-2024</loc>
        <lastmod>2023-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-rate-changes-april-2023</loc>
        <lastmod>2023-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/pexa-emerging-mortgage-risk-2023</loc>
        <lastmod>2023-04-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/pepper-money-fixed-rate-with-no-break-fees</loc>
        <lastmod>2023-04-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordable-regions-to-invest-2023</loc>
        <lastmod>2023-04-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/share-of-fixed-rate-ticks-up-afg-shows</loc>
        <lastmod>2023-04-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/saving-for-mortgage-deposit-still-a-challenge</loc>
        <lastmod>2023-04-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-industry-urges-government-to-take-action-on-housing-affordability</loc>
        <lastmod>2023-04-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-resale-and-relisting-trends-2023</loc>
        <lastmod>2023-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/strategies-to-manage-fixed-rate-cliff</loc>
        <lastmod>2023-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/experts-react-to-rba-rate-hike-pause</loc>
        <lastmod>2023-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-announcement-april-2023</loc>
        <lastmod>2023-04-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-lending-indicators-february-2023</loc>
        <lastmod>2023-04-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-home-value-index-march-2023</loc>
        <lastmod>2023-04-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-decision-forecast-april</loc>
        <lastmod>2023-03-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/share-of-suburbs-where-renting-is-cheaper-than-buying</loc>
        <lastmod>2023-03-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-affordassist-works</loc>
        <lastmod>2023-03-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/infrastructure-australia-proposes-housing-reforms</loc>
        <lastmod>2023-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/quilpie-home-owner-grant-expansion</loc>
        <lastmod>2023-03-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-face-dilemma-in-choosing-lender</loc>
        <lastmod>2023-03-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/airbnb-one-way-to-lessen-risks-of-fixed-rate-cliff</loc>
        <lastmod>2023-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nrma-study-on-wild-weather-risks-and-homebuying</loc>
        <lastmod>2023-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/time-needed-to-save-a-deposit-down-due-to-rising-rates</loc>
        <lastmod>2023-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-bulletin-on-non-banks-housing-lending</loc>
        <lastmod>2023-03-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-revise-rate-projections-for-april-2023</loc>
        <lastmod>2023-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/customer-owned-banks-impact-kpmg-study</loc>
        <lastmod>2023-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-explore-green-upgrades-for-green-home-loan</loc>
        <lastmod>2023-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/when-will-the-downturn-reach-its-bottom</loc>
        <lastmod>2023-03-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/younger-borrowers-seek-brokers-as-fixed-term-ends</loc>
        <lastmod>2023-03-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-rates-long-term-impact-on-house-prices</loc>
        <lastmod>2023-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-four-reaction-march-2023-rate-hike</loc>
        <lastmod>2023-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/refinancing-activity-shows-impact-of-rate-hikes</loc>
        <lastmod>2023-03-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increase-march-2023</loc>
        <lastmod>2023-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-hike-march-2023</loc>
        <lastmod>2023-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-cefc-partnership-green-home-offer</loc>
        <lastmod>2023-03-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lending-indicators-january-2023</loc>
        <lastmod>2023-03-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downsizing-likely-to-emerge-among-younger-households</loc>
        <lastmod>2023-03-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-maintains-serviceability-buffer-amid-rate-hikes</loc>
        <lastmod>2023-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyer-choice-top-growth-locations</loc>
        <lastmod>2023-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-home-price-index-february-2023</loc>
        <lastmod>2023-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/things-to-know-about-the-fixed-rate-cliff-2023</loc>
        <lastmod>2023-02-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/alternative-solutions-to-the-housing-crisis-by-prd</loc>
        <lastmod>2023-02-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeowners-take-action-to-cushion-impact-of-rate-hikes</loc>
        <lastmod>2023-02-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/three-housing-crises-in-australia</loc>
        <lastmod>2023-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victorian-homebuyer-fund-expand-eligibility</loc>
        <lastmod>2023-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brokers-supporting-borrowers-amid-certainty</loc>
        <lastmod>2023-02-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-anz-predict-new-peak-for-cash-rate</loc>
        <lastmod>2023-02-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/pexa-refinancing-mortgage-insights-2022</loc>
        <lastmod>2023-02-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/age-significant-predictor-of-housing-stress</loc>
        <lastmod>2023-02-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-suburbs-with-new-developments-2023</loc>
        <lastmod>2023-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-stress-affecting-higher-income-brackets</loc>
        <lastmod>2023-02-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buying-optimism-high-in-auctions</loc>
        <lastmod>2023-02-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2023-a-record-year-for-refinancing</loc>
        <lastmod>2023-02-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-banks-reaction-february-2023-rate-hike</loc>
        <lastmod>2023-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-announcement-february-2023</loc>
        <lastmod>2023-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increase-february-2023</loc>
        <lastmod>2023-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/qantas-money-home-loans</loc>
        <lastmod>2023-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-borrowers-can-prepare-for-this-years-rate-hikes</loc>
        <lastmod>2023-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-february-2023-cash-rate-preview</loc>
        <lastmod>2023-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-downturn-eases-further-in-january</loc>
        <lastmod>2023-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nano-home-loans-transition-to-amp-blue</loc>
        <lastmod>2023-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/roy-morgan-mortgage-stress-december-2022</loc>
        <lastmod>2023-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-young-buyer-compromises</loc>
        <lastmod>2023-01-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-market-likely-to-persist</loc>
        <lastmod>2023-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-first-home-buyer-hotspots-early-2023</loc>
        <lastmod>2023-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-still-worried-about-housing-amid-a-buyers-market</loc>
        <lastmod>2023-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fixed-rates-still-an-option-for-certainty</loc>
        <lastmod>2023-01-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-trends-first-home-buyers-must-watch</loc>
        <lastmod>2023-01-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-uncertain-of-plans-amid-changing-rates</loc>
        <lastmod>2023-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyer-choice-takes-effect</loc>
        <lastmod>2023-01-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lending-indicators-november-2022</loc>
        <lastmod>2023-01-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-savers-prioritise-buying-a-home-boq-study</loc>
        <lastmod>2023-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/strategies-for-borrowers-in-2023</loc>
        <lastmod>2023-01-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-to-prioritise-financial-wellbeing-2023</loc>
        <lastmod>2023-01-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/proptrack-home-price-index-december-2022</loc>
        <lastmod>2023-01-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-rolls-out-assistance-for-new-parents</loc>
        <lastmod>2022-12-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/busiest-housing-market-in-2022</loc>
        <lastmod>2022-12-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cost-of-living-drives-refinancing-activity</loc>
        <lastmod>2022-12-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-declines-in-september-2022-quarter</loc>
        <lastmod>2022-12-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bendigo-adelaide-bank-joins-nsw-shared-equity-scheme</loc>
        <lastmod>2022-12-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-years-resolutions-for-mortgage-borrowes-and-refinancers-in-2023</loc>
        <lastmod>2022-12-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/household-wealth-fell-in-september-2022</loc>
        <lastmod>2022-12-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-consumer-sentiment-index-december-2022</loc>
        <lastmod>2022-12-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-google-queries-among-homebuyers-2022</loc>
        <lastmod>2022-12-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buying-demand-trends-in-capital-cities</loc>
        <lastmod>2022-12-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-offers-victorian-homebuyer-fund</loc>
        <lastmod>2022-12-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/five-biggest-challenges-for-home-loan-borrowers-2023</loc>
        <lastmod>2022-12-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-the-cash-rate-reaching-cyclical-peak</loc>
        <lastmod>2022-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-four-reaction-rba-december-2022-rate-hike</loc>
        <lastmod>2022-12-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increase-december-2022</loc>
        <lastmod>2022-12-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-announcement-december-2022</loc>
        <lastmod>2022-12-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-housing-market-trends-2023</loc>
        <lastmod>2022-12-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/abs-lending-indicators-november-2022</loc>
        <lastmod>2022-12-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyer-prioritise-according-to-commbank-research</loc>
        <lastmod>2022-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-home-price-index-november-2022</loc>
        <lastmod>2022-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-likely-to-raise-cash-rate-in-december-2022</loc>
        <lastmod>2022-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/most-family-friendly-suburbs-well-money-list</loc>
        <lastmod>2022-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/land-price-growth-highest-since-2004</loc>
        <lastmod>2022-11-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/roy-morgan-mortgage-stress-levels-october-2022</loc>
        <lastmod>2022-11-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/only-one-in-four-first-homebuyers-can-afford-mortgage-deposit</loc>
        <lastmod>2022-11-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-winners-and-losers-in-nsw</loc>
        <lastmod>2022-11-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/loans-com-au-unveils-solar-home-loan</loc>
        <lastmod>2022-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-often-take-the-first-lender-approval</loc>
        <lastmod>2022-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-financial-hardship-study-q3</loc>
        <lastmod>2022-11-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/strong-labour-data-point-to-another-25bps-rate-hike</loc>
        <lastmod>2022-11-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/wlth-unveils-recycled-visa-cards-for-offset-accounts</loc>
        <lastmod>2022-11-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-strategies-amid-current-market-conditions</loc>
        <lastmod>2022-11-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/major-banks-gaining-traction-among-refinancers</loc>
        <lastmod>2022-11-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubank-unveils-bigger-cashback-offer</loc>
        <lastmod>2022-11-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyer-choice-now-a-law</loc>
        <lastmod>2022-11-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-top-spot-for-aussie-movers-in-october</loc>
        <lastmod>2022-11-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-and-commbank-homebuying-intentions-for-october</loc>
        <lastmod>2022-11-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-loan-deposit-scheme-statistics-2021-2022</loc>
        <lastmod>2022-11-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-loans-still-on-a-downtrend-in-september-2022</loc>
        <lastmod>2022-11-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-sellers-bear-high-temporary-living-costs</loc>
        <lastmod>2022-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-bank-reaction-november-2022-rate-hike</loc>
        <lastmod>2022-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-decision-november-2022</loc>
        <lastmod>2022-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increase-november-2022</loc>
        <lastmod>2022-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/proptrack-home-price-index-october-2022</loc>
        <lastmod>2022-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-much-buyers-can-save-with-nsw-s-first-home-buyer-choice</loc>
        <lastmod>2022-10-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-november-2022-rate-hike-predictions</loc>
        <lastmod>2022-10-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-study-reveals-top-mortgage-features-among-aussie-borrowers</loc>
        <lastmod>2022-10-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/shared-equity-schemes-provide-better-financial-returns-for-homebuyers</loc>
        <lastmod>2022-10-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/refinancing-activity-surges-in-four-states-in-september</loc>
        <lastmod>2022-10-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-joins-deposit-scheme-lender-panel</loc>
        <lastmod>2022-10-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/act-still-the-top-spot-for-housing-finance</loc>
        <lastmod>2022-10-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/wa-rolls-out-changes-to-home-indemnity-insurance</loc>
        <lastmod>2022-10-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/6-things-buyers-should-do-to-increase-the-chances-of-getting-a-bargain</loc>
        <lastmod>2022-10-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-banks-lenders-ride-the-green-energy-wave</loc>
        <lastmod>2022-10-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sale-settlements-down-across-biggest-states-in-september</loc>
        <lastmod>2022-10-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-the-proposed-changes-to-pension-laws-will-benefit-downsizers</loc>
        <lastmod>2022-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/la-nina-could-heighten-insurance-risks-of-homeowners</loc>
        <lastmod>2022-10-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-lmi-and-rate-discounts-for-green-home-loans</loc>
        <lastmod>2022-10-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-moving-to-regional-areas-to-buy-a-home</loc>
        <lastmod>2022-10-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-sales-homebuying-intentions-down-in-september</loc>
        <lastmod>2022-10-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/managing-financial-wellbeing-amid-rate-rises</loc>
        <lastmod>2022-10-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/3-strategies-to-mitigate-risks-of-mortgage-stress</loc>
        <lastmod>2022-10-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyer-choice-calculator</loc>
        <lastmod>2022-10-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-residential-property-survey-q3-2022</loc>
        <lastmod>2022-10-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-hikes-impact-loan-sizes-lvrs</loc>
        <lastmod>2022-10-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-the-rba-rate-hike-end-soon</loc>
        <lastmod>2022-10-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-4-react-to-rba-s-october-rate-hike</loc>
        <lastmod>2022-10-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-now-at-2-60-how-will-this-impact-borrowing-capacities</loc>
        <lastmod>2022-10-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increases-october-2022</loc>
        <lastmod>2022-10-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-defy-overall-slowdown-in-home-loan-take-up</loc>
        <lastmod>2022-10-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/declines-in-dwelling-prices-starting-to-slow-down</loc>
        <lastmod>2022-10-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-the-rba-go-for-another-50bps-rate-hike-in-october</loc>
        <lastmod>2022-09-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-extends-lmi-waiver-to-nurses-midwives</loc>
        <lastmod>2022-09-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/most-affordable-options-for-rentvestors</loc>
        <lastmod>2022-09-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/energy-efficiency-becoming-a-significant-deciding-factor-for-homebuyers</loc>
        <lastmod>2022-09-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/over-1-million-mortgage-borrowers-likely-to-fall-under-stress-study</loc>
        <lastmod>2022-09-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-homeownership-out-of-reach-for-millennials-gen-zs</loc>
        <lastmod>2022-09-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/can-homebuyers-benefit-from-rate-hikes</loc>
        <lastmod>2022-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-now-is-the-perfect-time-for-first-time-buyers-to-enter-the-market</loc>
        <lastmod>2022-09-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordability-among-homebuyers-deteriorates-faster-than-renters</loc>
        <lastmod>2022-09-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubank-rolls-out-cashback-offer-to-new-applications-refinancers</loc>
        <lastmod>2022-09-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-australian-homebuyers-becoming-used-to-rate-hikes</loc>
        <lastmod>2022-09-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-four-respond-to-rba-s-september-rate-hike</loc>
        <lastmod>2022-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-climate-risk-tool-rolled-out-for-homeowners</loc>
        <lastmod>2022-09-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/proposed-changes-to-pension-rules-to-encourage-rightsizing</loc>
        <lastmod>2022-09-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-up-50bps-to-2-35</loc>
        <lastmod>2022-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increases-september-2022</loc>
        <lastmod>2022-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/offset-account-rise</loc>
        <lastmod>2022-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyer-s-market-likely-to-end-early-next-year</loc>
        <lastmod>2022-09-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bluestone-unveils-smsf-residential-loan</loc>
        <lastmod>2022-09-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-hikes-takes-further-toll-on-borrowing-activity</loc>
        <lastmod>2022-09-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordability-improves-as-housing-downturn-deepens</loc>
        <lastmod>2022-09-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/clinch-rolls-out-digital-bridging-finance-ahead-of-spring-selling-season</loc>
        <lastmod>2022-08-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/retirees-not-a-fan-of-accessing-home-equity</loc>
        <lastmod>2022-08-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/20-affordable-unit-markets-near-cbds-this-spring-selling-season</loc>
        <lastmod>2022-08-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/racq-bank-rolls-out-low-rate-fair-dinkum-home-loan</loc>
        <lastmod>2022-08-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bendigo-bank-records-surge-in-digital-home-loan-applications</loc>
        <lastmod>2022-08-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-more-satisfied-with-mutuals-over-majors</loc>
        <lastmod>2022-08-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/millennials-gen-zs-still-optimistic-about-homeownership</loc>
        <lastmod>2022-08-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brighten-unveils-new-mortgage-for-australian-expats</loc>
        <lastmod>2022-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-anxiety-looms-over-3-in-4-households</loc>
        <lastmod>2022-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyer-hotspots-in-2022</loc>
        <lastmod>2022-08-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homestart-to-allow-2-deposit-without-lmi</loc>
        <lastmod>2022-08-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-upswing-likely-to-have-minor-impact</loc>
        <lastmod>2022-08-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-much-are-loyal-borrowers-missing-out-amid-rate-rises</loc>
        <lastmod>2022-08-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/boomer-home-loans-collapses</loc>
        <lastmod>2022-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-rises-hamper-new-home-sales</loc>
        <lastmod>2022-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-apra-review-the-mortgage-stress-test-amid-rising-rates</loc>
        <lastmod>2022-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buying-preferences-starting-to-shift-back-to-nsw-vic</loc>
        <lastmod>2022-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-south-australian-homebuyers-must-act-quickly</loc>
        <lastmod>2022-08-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-banks-react-to-august-rate-hike</loc>
        <lastmod>2022-08-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-cash-rate-will-not-increase-beyond-3</loc>
        <lastmod>2022-08-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increases-august-2022</loc>
        <lastmod>2022-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-brings-cash-rate-to-1-85</loc>
        <lastmod>2022-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/younger-aussies-likely-to-move-houses-more</loc>
        <lastmod>2022-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-refinancing-surges</loc>
        <lastmod>2022-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brisbane-house-prices-fall-for-the-first-time-since-august-2020</loc>
        <lastmod>2022-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuyers-face-grim-housing-conditions</loc>
        <lastmod>2022-07-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/act-leads-decade-growth-in-housing-finance</loc>
        <lastmod>2022-07-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-to-roll-out-digital-mortgage-new-app-features</loc>
        <lastmod>2022-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-westpac-could-soon-offer-loans-under-the-deposit-scheme</loc>
        <lastmod>2022-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-bear-heavier-housing-costs-despite-higher-incomes</loc>
        <lastmod>2022-07-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rising-rates-starting-to-dampen-residential-sales-in-eastern-states</loc>
        <lastmod>2022-07-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/up-rolls-out-home-loan-product</loc>
        <lastmod>2022-07-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/repayments-likely-to-soar-by-45-among-fixed-rate-borrowers</loc>
        <lastmod>2022-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-expects-3-35-cash-rate-by-november</loc>
        <lastmod>2022-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/surge-in-fixed-rate-termination-expected-in-2023</loc>
        <lastmod>2022-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuyers-taking-wait-and-see-approach</loc>
        <lastmod>2022-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-now-the-time-to-refinance-to-a-fixed-loan-as-rates-rise</loc>
        <lastmod>2022-07-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/wa-unveils-new-low-cost-home-loan-for-urban-apartments</loc>
        <lastmod>2022-07-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-homeowners-urged-to-weigh-in-on-home-building-compensation-insurance</loc>
        <lastmod>2022-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-top-suburbs-where-homeowners-can-save-big-by-refinancing</loc>
        <lastmod>2022-07-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-could-pause-rate-hikes-by-september</loc>
        <lastmod>2022-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/refinancing-activity-trends-up-across-biggest-states</loc>
        <lastmod>2022-07-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyer-schemes-benefitting-existing-owners</loc>
        <lastmod>2022-07-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-anz-first-majors-to-pass-on-rba-s-july-rate-hike</loc>
        <lastmod>2022-07-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-much-would-the-rate-hikes-add-to-mortgage-repayments</loc>
        <lastmod>2022-07-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increase-july-2022</loc>
        <lastmod>2022-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-upswing-continues-cash-rate-now-at-1-35</loc>
        <lastmod>2022-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/energy-retailer-rolls-out-new-solar-bundle-for-nsw-homeowners</loc>
        <lastmod>2022-07-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/price-growth-slowdown-spreads-to-affordable-lifestyle-markets</loc>
        <lastmod>2022-07-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-places-available-for-home-guarantee-scheme</loc>
        <lastmod>2022-07-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/7-in-10-aussie-homeowners-cash-in-on-equity-to-renovate-invest</loc>
        <lastmod>2022-06-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/energy-efficient-homes-gain-traction</loc>
        <lastmod>2022-06-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/challenger-lender-launches-in-queensland-offers-cashback-to-refinancers</loc>
        <lastmod>2022-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-likely-to-cease-hikes-when-cash-rate-hits-2-6</loc>
        <lastmod>2022-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/south-australia-western-australia-top-spots-for-interstate-buyers</loc>
        <lastmod>2022-06-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/renovation-activity-surges-among-aussie-homeowners</loc>
        <lastmod>2022-06-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nano-rolls-out-platform-for-faster-lending-approvals</loc>
        <lastmod>2022-06-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-rolls-out-wider-scope-for-lmi-waivers</loc>
        <lastmod>2022-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-s-first-home-buyers-get-major-boost-with-stamp-duty-reform</loc>
        <lastmod>2022-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/here-s-what-you-should-know-about-nsw-s-shared-equity-scheme</loc>
        <lastmod>2022-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/axing-stamp-duty-to-encourage-aussie-homeowners-to-rightsize</loc>
        <lastmod>2022-06-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-in-the-dark-about-buyer-s-agents</loc>
        <lastmod>2022-06-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-affordability-at-its-worst-since-2011</loc>
        <lastmod>2022-06-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/approval-delays-cause-1-in-5-aussies-to-miss-out-on-property</loc>
        <lastmod>2022-06-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-australians-switch-their-lenders-mortgage-products</loc>
        <lastmod>2022-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/quick-rate-hikes-could-lead-to-a-rate-cut-by-2023</loc>
        <lastmod>2022-06-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-tipped-to-hit-1-6-by-august</loc>
        <lastmod>2022-06-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-nab-lift-variable-rates-pass-rba-s-rate-hike-in-full</loc>
        <lastmod>2022-06-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-advises-borrowers-to-use-offset-accounts-amid-rising-rates</loc>
        <lastmod>2022-06-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-hikes-cash-rate-again</loc>
        <lastmod>2022-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increase-june-2022</loc>
        <lastmod>2022-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-lender-options-for-home-guarantee-scheme-applicants</loc>
        <lastmod>2022-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-rate-discounts-unveiled-for-greener-homes</loc>
        <lastmod>2022-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-offers-free-3-year-internet-plan-to-mortgage-borrowers</loc>
        <lastmod>2022-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-commitments-hit-steepest-decline-since-2020</loc>
        <lastmod>2022-06-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-buyers-needs-unmet-with-current-housing-supply</loc>
        <lastmod>2022-06-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/3-likely-drivers-of-home-price-drop-in-may</loc>
        <lastmod>2022-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-nab-hike-fixed-rates</loc>
        <lastmod>2022-05-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-top-suburbs-where-aussie-families-can-buy-a-home</loc>
        <lastmod>2022-05-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/has-homeownership-deteriorated-prior-to-the-peak-of-the-pandemic</loc>
        <lastmod>2022-05-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-now-the-time-to-break-into-sydney-melbourne-housing-markets</loc>
        <lastmod>2022-05-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-nt-leadership-urged-to-roll-out-stamp-duty-discounts-homebuyer-grants</loc>
        <lastmod>2022-05-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-reduces-special-offer-rate-for-owner-occupiers</loc>
        <lastmod>2022-05-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/5-key-housing-policies-to-expect-in-the-incoming-labor-government</loc>
        <lastmod>2022-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-mortgage-appetite-weakens-as-rates-rise</loc>
        <lastmod>2022-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-could-hit-0-75-as-unemployment-falls</loc>
        <lastmod>2022-05-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-ramps-up-digital-presence-with-new-product</loc>
        <lastmod>2022-05-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-unveils-digital-home-loan-ubank-completes-merger-with-86-400</loc>
        <lastmod>2022-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/regional-markets-still-outperform-capital-cities</loc>
        <lastmod>2022-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/coalition-unveils-plan-for-super-home-buyer-scheme</loc>
        <lastmod>2022-05-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-market-now-ripe-for-upgraders-upsizers</loc>
        <lastmod>2022-05-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-perth-could-be-one-of-the-hottest-markets-right-now</loc>
        <lastmod>2022-05-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-now-less-inclined-to-buy-a-house-study</loc>
        <lastmod>2022-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/here-s-what-you-should-know-about-tasmania-s-new-homeshare-scheme</loc>
        <lastmod>2022-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-10-markets-where-homes-will-likely-be-uninsurable-by-2030</loc>
        <lastmod>2022-05-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-interest-rate-hikes-cause-stalling-prices-to-drop</loc>
        <lastmod>2022-05-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-4-pass-on-rba-s-rate-hike-should-borrowers-be-worried</loc>
        <lastmod>2022-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-hikes-cash-rate-to-0-35</loc>
        <lastmod>2022-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-increase-may-2022</loc>
        <lastmod>2022-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/labors-help-to-buy-scheme-aims-to-cut-homebuying-costs-by-40</loc>
        <lastmod>2022-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nixing-stamp-duty-needed-to-offset-inflation-s-impact-on-mortgage-rates</loc>
        <lastmod>2022-04-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-the-inflation-surge-trigger-a-may-rba-rate-hike</loc>
        <lastmod>2022-04-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-rolls-out-low-rate-green-home-offer</loc>
        <lastmod>2022-04-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-now-steady-but-still-worse-than-long-term-average</loc>
        <lastmod>2022-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-rolls-out-another-fixed-rate-hike</loc>
        <lastmod>2022-04-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/east-coast-states-witness-resurgence-of-metropolitan-markets</loc>
        <lastmod>2022-04-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/higher-price-caps-for-deposit-scheme-unveiled</loc>
        <lastmod>2022-04-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-a-likely-rate-hike-would-impact-repayments</loc>
        <lastmod>2022-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-makes-a-surprise-one-year-fixed-rate-cut-amid-hikes</loc>
        <lastmod>2022-04-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/construction-costs-the-highest-since-2001</loc>
        <lastmod>2022-04-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-westpac-roll-out-fixed-rate-increases</loc>
        <lastmod>2022-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downswing-commences-in-sydney-melbourne-s-top-end-markets</loc>
        <lastmod>2022-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-4-banks-june-rate-hike-now-on-the-cards</loc>
        <lastmod>2022-04-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-10-affordable-regional-markets-with-solid-growth-outlook</loc>
        <lastmod>2022-04-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/which-lenders-still-offer-sub-2-mortgage-rates</loc>
        <lastmod>2022-04-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-nab-hike-fixed-rates-while-cash-rate-stays-on-hold</loc>
        <lastmod>2022-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/10-proposals-to-ensure-fairness-transparency-in-victoria-s-housing-market</loc>
        <lastmod>2022-04-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/5-factors-that-signal-an-impending-price-growth-slowdown</loc>
        <lastmod>2022-04-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-the-most-affordable-suburbs-to-buy-and-rent-in-for-rentvestors</loc>
        <lastmod>2022-03-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/understanding-the-pros-and-cons-of-the-deposit-scheme-expansion</loc>
        <lastmod>2022-03-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-commbank-roll-out-fixed-rate-hikes</loc>
        <lastmod>2022-03-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/regional-deposit-scheme-set-to-be-rolled-out</loc>
        <lastmod>2022-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/where-to-find-the-most-affordable-units-in-wa-s-premium-suburbs</loc>
        <lastmod>2022-03-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/slowing-house-price-growth-encourages-aussies-to-buy-now</loc>
        <lastmod>2022-03-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-markets-where-first-home-buyers-can-save-for-a-deposit-the-fastest</loc>
        <lastmod>2022-03-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-cuts-fixed-variable-rates-under-new-loan-product</loc>
        <lastmod>2022-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/do-first-home-buyers-face-more-risks-than-existing-borrowers</loc>
        <lastmod>2022-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-a-rate-rise-trigger-a-sudden-downturn-in-housing</loc>
        <lastmod>2022-03-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-price-growth-at-a-two-decade-high</loc>
        <lastmod>2022-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-affordability-worsens-as-wage-growth-fails-to-keep-up</loc>
        <lastmod>2022-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/check-out-the-latest-fixed-rate-hikes-by-non-majors-mutuals</loc>
        <lastmod>2022-03-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-now-the-right-time-to-buy-a-home</loc>
        <lastmod>2022-03-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-worsens-as-loan-sizes-inflate</loc>
        <lastmod>2022-03-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/eliminate-caps-on-fhlds</loc>
        <lastmod>2022-03-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-fixed-rate-hike-march-2022</loc>
        <lastmod>2022-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-set-of-rate-hikes-for-westpac-s-fixed-loans</loc>
        <lastmod>2022-03-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-likely-to-struggle-accessing-low-deposit-loans</loc>
        <lastmod>2022-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-20-affordable-unit-markets-for-first-home-buyers</loc>
        <lastmod>2022-03-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-remain-active-amid-investor-comeback</loc>
        <lastmod>2022-03-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/could-this-be-australia-s-lowest-green-home-loan-rate</loc>
        <lastmod>2022-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-your-home-insured-for-flood</loc>
        <lastmod>2022-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-banks-offer-home-loan-deferrals-to-flood-affected-clients</loc>
        <lastmod>2022-02-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/western-australians-most-optimistic-about-homeownership</loc>
        <lastmod>2022-02-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victorian-buyers-paying-highest-stamp-duty-in-country</loc>
        <lastmod>2022-02-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-proposal-calls-for-national-shared-equity-scheme-to-help-first-home-buyers</loc>
        <lastmod>2022-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/optimism-still-high-among-homebuyers-despite-rising-prices</loc>
        <lastmod>2022-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-hikes-fixed-rates-again</loc>
        <lastmod>2022-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/super-cycle-of-home-building-activity-to-slow-as-rates-rise</loc>
        <lastmod>2022-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-savings-to-shield-heavy-impacts-of-likely-rate-hikes</loc>
        <lastmod>2022-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loans-most-affordable-in-western-australia-northern-territory</loc>
        <lastmod>2022-02-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downsizer-contributions-to-encourage-more-empty-nesters-to-sell</loc>
        <lastmod>2022-02-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-calls-for-a-june-rate-hike-westpac-raises-fixed-rates</loc>
        <lastmod>2022-02-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/regional-markets-still-the-top-choice-for-many-aussie-buyers</loc>
        <lastmod>2022-02-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/super-amendments-to-help-first-home-buyers-downsizers</loc>
        <lastmod>2022-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-to-bring-the-heat-in-these-10-perth-suburbs</loc>
        <lastmod>2022-02-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-homebuying-spending-close-to-hitting-700bn</loc>
        <lastmod>2022-02-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-banks-still-raising-fixed-rates</loc>
        <lastmod>2022-02-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/experts-warns-of-hidden-property-costs-ahead-of-possible-rate-hike</loc>
        <lastmod>2022-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reia-calls-for-expansion-of-deposit-super-schemes</loc>
        <lastmod>2022-02-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ageing-aussies-lion-s-share-of-housing-locks-out-millennials-study</loc>
        <lastmod>2022-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fewer-homes-up-for-sale-in-january</loc>
        <lastmod>2022-02-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-still-holds-historic-low-cash-rate-until-when</loc>
        <lastmod>2022-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/south-australians-urged-to-take-advantage-of-starter-loan-scheme</loc>
        <lastmod>2022-01-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuyers-setting-their-eyes-on-darwin</loc>
        <lastmod>2022-01-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/median-city-home-now-priced-at-1m</loc>
        <lastmod>2022-01-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-rolls-out-changes-to-variable-rates-westpac-rolls-hikes-fixed-rates</loc>
        <lastmod>2022-01-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-anticipates-august-rate-hike</loc>
        <lastmod>2022-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-market-on-a-super-cycle-of-demand</loc>
        <lastmod>2022-01-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-firm-constructs-3d-printed-home</loc>
        <lastmod>2022-01-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/athena-citi-slash-variable-rates-for-owner-occupiers-investors</loc>
        <lastmod>2022-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-resellers-amass-profits-despite-lockdowns</loc>
        <lastmod>2022-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/owner-occupier-lending-bounces-back-from-five-month-slump</loc>
        <lastmod>2022-01-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/5-signs-that-could-foretell-a-market-peak</loc>
        <lastmod>2022-01-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-likely-to-stay-on-the-sidelines-this-year</loc>
        <lastmod>2022-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/greater-bank-hikes-ending-ultra-low-fixed-rate-era</loc>
        <lastmod>2022-01-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-top-10-nsw-suburbs-where-buyers-can-avoid-stamp-duty</loc>
        <lastmod>2022-01-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-chase-affordability-in-outer-city-areas</loc>
        <lastmod>2022-01-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuilder-provides-boost-to-property-market-wider-economy</loc>
        <lastmod>2022-01-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fixed-rate-borrowers-face-rate-hike-traps</loc>
        <lastmod>2022-01-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brisbane-hobart-slated-to-be-price-growth-frontrunners</loc>
        <lastmod>2022-01-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interstate-exodus-boosts-victoria-s-home-loan-affordability</loc>
        <lastmod>2021-12-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-house-prices-affect-child-bearing-intentions-of-homeowners-renters</loc>
        <lastmod>2021-12-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-makes-pre-christmas-fixed-rate-hikes</loc>
        <lastmod>2021-12-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-likely-to-set-their-eyes-on-variable-loans</loc>
        <lastmod>2021-12-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/early-super-access-likely-to-boost-house-prices</loc>
        <lastmod>2021-12-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-hit-highest-growth-in-20-years</loc>
        <lastmod>2021-12-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-government-revamps-reverse-mortgage-scheme</loc>
        <lastmod>2021-12-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fixed-rate-upswing-continues-for-anz-westpac</loc>
        <lastmod>2021-12-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-prioritise-homeownership-over-dream-job</loc>
        <lastmod>2021-12-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubank-unveils-limited-time-sub-2-variable-rate</loc>
        <lastmod>2021-12-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-activity-bounces-back</loc>
        <lastmod>2021-12-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-deposit-scheme-places-for-first-home-buyers-single-parents</loc>
        <lastmod>2021-12-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-hikes-fixed-rates-for-investors-owner-occupiers</loc>
        <lastmod>2021-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-market-not-yet-cooling-only-normalising-expert</loc>
        <lastmod>2021-12-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/has-affordability-already-deteriorated-in-regional-markets</loc>
        <lastmod>2021-12-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investor-lending-on-a-year-long-win-streak</loc>
        <lastmod>2021-12-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/price-growth-still-softening-is-this-good-news-for-homebuyers</loc>
        <lastmod>2021-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2-in-3-homebuyers-rely-on-brokers-for-their-mortgages</loc>
        <lastmod>2021-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-hikes-fixed-rates-again-86-400-cuts-variable-investor-rates</loc>
        <lastmod>2021-11-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-the-suburbs-where-you-can-buy-a-home-with-a-deposit-under-100k</loc>
        <lastmod>2021-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mutual-sector-posts-strong-growth-in-home-lending</loc>
        <lastmod>2021-11-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-firsthome-buyers-most-soughtafter-regional-suburbs</loc>
        <lastmod>2021-11-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-stress-eases-amid-lockdowns</loc>
        <lastmod>2021-11-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-home-to-australias-best-suburb-to-invest-in</loc>
        <lastmod>2021-11-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bendigo-adelaide-bank-hike-fixed-rates</loc>
        <lastmod>2021-11-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-beat-housing-affordability-woes-with-property-sharing</loc>
        <lastmod>2021-11-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/regional-boom-becoming-a-crisis-for-local-buyers-and-renters</loc>
        <lastmod>2021-11-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-ditch-credit-cards-to-keep-up-with-mortgage-repayments</loc>
        <lastmod>2021-11-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/deposit-hurdle-already-insurmountable-expert-says</loc>
        <lastmod>2021-11-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-rolls-out-second-round-of-rate-hikes-this-month</loc>
        <lastmod>2021-11-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-a-cash-rate-hike-cause-a-sharp-drop-in-house-prices</loc>
        <lastmod>2021-11-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/demand-for-new-homes-boosts-construction-activity</loc>
        <lastmod>2021-11-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-residential-listings-soar-in-capital-cities</loc>
        <lastmod>2021-11-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/refinancing-activity-tracking-down-in-biggest-states</loc>
        <lastmod>2021-11-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-westpac-hike-fixed-rates-anz-slashes-variable-rates</loc>
        <lastmod>2021-11-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/beware-avoid-overpaying-in-these-9-sydney-prime-markets</loc>
        <lastmod>2021-11-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-victoria-has-the-best-incentives-for-homebuyers</loc>
        <lastmod>2021-11-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reia-unveils-housing-plan-to-address-affordability-and-undersupply</loc>
        <lastmod>2021-11-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investors-soften-drop-in-new-lending</loc>
        <lastmod>2021-11-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/deposit-scheme-misses-most-inneed-buyers</loc>
        <lastmod>2021-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-calibrate-rates-ahead-of-rbas-hold-decision</loc>
        <lastmod>2021-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-inching-closer-to-1m-median</loc>
        <lastmod>2021-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-bargain-hotspots-for-firsthome-buyers</loc>
        <lastmod>2021-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-sees-rate-hikes-by-november-2022</loc>
        <lastmod>2021-10-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-cuts-special-offer-variable-rates-hikes-fixed-rates</loc>
        <lastmod>2021-10-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-borrowers-expected-to-delay-mortgage-repayments</loc>
        <lastmod>2021-10-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-remorse-more-than-half-of-homeowners-fail-to-inspect-their-property</loc>
        <lastmod>2021-10-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-86-400-join-fixedrate-hike-train</loc>
        <lastmod>2021-10-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-suburbs-recording-surge-in-new-listings-for-house-hunters</loc>
        <lastmod>2021-10-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-markets-where-apras-lending-curbs-are-likely-to-bite-the-most</loc>
        <lastmod>2021-10-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nano-home-loans-partners-with-oracle-to-provide-faster-mortgage-approvals</loc>
        <lastmod>2021-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reia-unveils-wish-list-for-firsthome-buyers-investors</loc>
        <lastmod>2021-10-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-ing-slash-variable-rates-unbothered-by-new-lending-restrictions</loc>
        <lastmod>2021-10-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expert-claims-housing-grants-worsen-affordability</loc>
        <lastmod>2021-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dwelling-price-gap-proving-a-challenge-for-upgraders</loc>
        <lastmod>2021-10-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonbank-rolls-out-bridging-loan-preapproval-within-the-hour</loc>
        <lastmod>2021-10-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heritage-bank-hikes-investor-fixed-rates-ubank-slashes-variable-rates</loc>
        <lastmod>2021-10-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victoria-rolls-out-new-support-scheme-for-home-buyers</loc>
        <lastmod>2021-10-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-flags-risks-of-excessive-mortgage-borrowing</loc>
        <lastmod>2021-10-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/23000-homes-backed-by-deposit-schemes-now-occupied</loc>
        <lastmod>2021-10-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-buyers-be-worried-about-apras-new-servicing-rules</loc>
        <lastmod>2021-10-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-keeps-cash-rate-frozen-amid-possible-lending-curbs</loc>
        <lastmod>2021-10-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-raises-interest-rate-buffer-for-home-loan-applications</loc>
        <lastmod>2021-10-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bank-of-us-matches-ultralowrate-offer-teachers-mutual-bank-hikes-fixed-rates</loc>
        <lastmod>2021-10-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stamp-duty-hampers-housing-supply-new-study-reveals</loc>
        <lastmod>2021-10-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-auction-clearance-rates-tell-us-about-the-housing-market</loc>
        <lastmod>2021-09-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/singleincome-homebuyers-expected-to-bear-brunt-of-lending-crackdown</loc>
        <lastmod>2021-09-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bank-satisfaction-still-high-among-home-loan-borrowers</loc>
        <lastmod>2021-09-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-cuts-rates-86-400-increases</loc>
        <lastmod>2021-09-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/imf-flags-risks-on-high-household-debt</loc>
        <lastmod>2021-09-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suncorp-homeloans-com-au-roll-out-green-home-loan-incentives</loc>
        <lastmod>2021-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/4-in-5-firsthome-buyers-in-the-dark-about-lmi</loc>
        <lastmod>2021-09-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/regulators-keeping-an-eye-on-household-debt</loc>
        <lastmod>2021-09-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-greater-bank-cuts-fixed-rates-as-nab-hikes</loc>
        <lastmod>2021-09-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/millennial-homebuyers-lead-the-shift-away-from-citycentres</loc>
        <lastmod>2021-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/covid-continues-to-lure-australians-from-the-city-to-the-country</loc>
        <lastmod>2021-09-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-sales-likely-to-ease-after-hitting-the-highest-level-since-2004</loc>
        <lastmod>2021-09-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nearly-24000-deferred-home-loans-reported-in-nsw-vic-amid-lockdowns</loc>
        <lastmod>2021-09-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/remote-working-spurs-robust-housing-demand-in-queensland</loc>
        <lastmod>2021-09-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/western-australias-recovery-starts-to-lose-steam</loc>
        <lastmod>2021-09-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-macquarie-cuts-variable-rates-heritage-hikes-fixed-rates</loc>
        <lastmod>2021-09-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-turn-to-digital-tools-as-lockdowns-hamper-housing-activity</loc>
        <lastmod>2021-09-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/where-to-find-the-most-affordable-homes-in-victoria</loc>
        <lastmod>2021-09-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-still-keeping-a-lid-on-cash-rate</loc>
        <lastmod>2021-09-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/7-tips-to-help-homebuyers-secure-a-win-in-a-competitive-market</loc>
        <lastmod>2021-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubank-unveils-newest-cuts-to-fixed-rates</loc>
        <lastmod>2021-09-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-drop-off-as-affordability-worsens</loc>
        <lastmod>2021-09-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bank-of-queensland-rolls-out-industrys-lowest-advertised-rate</loc>
        <lastmod>2021-09-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/covid-lockdowns-cause-surge-in-mortgage-activity-in-nsw</loc>
        <lastmod>2021-08-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-standard-for-green-homes-set-to-be-rolled-out</loc>
        <lastmod>2021-08-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/now-or-never-urgency-for-first-home-buyers-to-get-into-market-as-affordability-worsens</loc>
        <lastmod>2021-08-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-worsens-across-regional-markets</loc>
        <lastmod>2021-08-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-unveils-sub2-introductory-rate</loc>
        <lastmod>2021-08-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-some-aussies-are-unwilling-to-refinance-their-mortgages</loc>
        <lastmod>2021-08-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/one-in-four-aussies-uncertain-on-where-mortgage-rates-will-go</loc>
        <lastmod>2021-08-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-can-buyers-take-advantage-of-the-growing-price-gap-between-houses-and-units</loc>
        <lastmod>2021-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/renovations-on-the-rise-in-northern-territory-victoria</loc>
        <lastmod>2021-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeowners-turn-asset-rich-as-gains-in-property-values-outpace-wages</loc>
        <lastmod>2021-08-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubank-cuts-variable-rate-hikes-5year-fixed-rate</loc>
        <lastmod>2021-08-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuyers-most-optimistic-in-wa-south-australia</loc>
        <lastmod>2021-08-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-some-of-the-best-variable-home-loans-for-august-2021</loc>
        <lastmod>2021-08-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-buyers-retreat-as-lockdowns-hamper-activity</loc>
        <lastmod>2021-08-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/renting-vs-buying-in-wa-10-perth-suburbs-where-its-cheaper-to-buy-than-rent</loc>
        <lastmod>2021-08-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussies-bulk-up-their-savings</loc>
        <lastmod>2021-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-turning-to-nonmajors-for-new-home-loans</loc>
        <lastmod>2021-08-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victoria-urged-to-lift-ban-on-home-inspections</loc>
        <lastmod>2021-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/neobank-86-400-rolls-out-85-lvr-loans-with-no-lmi</loc>
        <lastmod>2021-08-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commonwealth-bank-raises-fixed-mortgage-rates</loc>
        <lastmod>2021-08-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/calls-for-homebuilderstyle-grant-to-encourage-housing-sustainability</loc>
        <lastmod>2021-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/spike-in-mortgage-deferrals-recorded-amid-lockdowns</loc>
        <lastmod>2021-08-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-lending-speed-limits-needed-to-cool-down-the-housing-market</loc>
        <lastmod>2021-08-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeowners-at-risk-of-financial-ruin-from-being-underinsured</loc>
        <lastmod>2021-08-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-keeps-cash-rate-at-historic-low</loc>
        <lastmod>2021-08-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-activity-slows-among-firsthome-buyers</loc>
        <lastmod>2021-08-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-holds-again-despite-rate-rises</loc>
        <lastmod>2021-08-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-rolls-out-support-package-for-queenslanders</loc>
        <lastmod>2021-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-what-millennials-think-can-make-housing-more-accessible</loc>
        <lastmod>2021-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-price-growth-loses-steam-in-capital-cities</loc>
        <lastmod>2021-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyer-activity-still-elevated--nab-study</loc>
        <lastmod>2021-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-not-the-sole-driver-of-house-price-changes--pipa</loc>
        <lastmod>2021-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/1-in-2-aussies-under-financial-stress</loc>
        <lastmod>2021-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-buying-an-investment-property-as-your-first-home-a-good-idea</loc>
        <lastmod>2021-07-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-rolls-out-regulatory-support-to-banks</loc>
        <lastmod>2021-07-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-10-biggest-mortgage-lenders-in-2021</loc>
        <lastmod>2021-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/detached-dwelling-starts-still-on-the-rise</loc>
        <lastmod>2021-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-you-buy-or-rent-a-home-in-australia</loc>
        <lastmod>2021-07-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-more-retirees-take-advantage-of-reverse-mortgages-soon</loc>
        <lastmod>2021-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/smaller-capital-cities-beat-global-average-price-growth</loc>
        <lastmod>2021-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-boost-assistance-amid-covid-lockdowns</loc>
        <lastmod>2021-07-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-buying-a-fixerupper-home-a-good-idea</loc>
        <lastmod>2021-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/faster-selling-times-recorded-in-regional-victoria</loc>
        <lastmod>2021-07-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-held-again-but-era-of-ultra-low-rates-is-over</loc>
        <lastmod>2021-07-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-activity-still-elevated--hia</loc>
        <lastmod>2021-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/detached-dwelling-approvals-set-to-remain-strong</loc>
        <lastmod>2021-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2-in-5-aussies-planning-to-sell-their-homes--study</loc>
        <lastmod>2021-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-new-price-caps-for-deposit-guarantee-schemes</loc>
        <lastmod>2021-06-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reia-urges-eligible-buyers-to-explore-expanded-deposit-guarantee-schemes</loc>
        <lastmod>2021-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/can-you-use-your-inheritance-as-a-home-loan-deposit</loc>
        <lastmod>2021-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-household-finances-remain-steady--study</loc>
        <lastmod>2021-06-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/which-state-is-becoming-a-hotspot-for-interstate-buyers</loc>
        <lastmod>2021-06-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed--australias-top-brokerages-of-2021</loc>
        <lastmod>2021-06-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-sales-still-on-the-rise</loc>
        <lastmod>2021-06-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/where-should-buyers-look-for-homes-amid-a-boom</loc>
        <lastmod>2021-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/demand-for-construction-loan-moderates</loc>
        <lastmod>2021-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/customerowned-bank-slashes-investor-rates</loc>
        <lastmod>2021-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/4-in-5-wouldbe-buyers-still-in-the-dark-about-mortgage-terms</loc>
        <lastmod>2021-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-holds-for-yet-another-month</loc>
        <lastmod>2021-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/digital-bank-unveils-its-lowest-fixedrate-offering</loc>
        <lastmod>2021-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-demand-remains-elevated--rba</loc>
        <lastmod>2021-05-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-bestperforming-suburbs-in-perth</loc>
        <lastmod>2021-05-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-unveils-savings-program-for-mortgage-borrowers</loc>
        <lastmod>2021-05-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/customerowned-bank-unveils-rate-discounts-for-green-homes</loc>
        <lastmod>2021-05-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/with-short-term-rates-at-an-alltime-low-big-banks-are-quietly-raising-their-longterm-rates</loc>
        <lastmod>2021-05-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussies-turning-into-savers</loc>
        <lastmod>2021-05-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-stamp-duty-incentives-are-available-for-downsizers</loc>
        <lastmod>2021-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/spending-intentions-show-signs-of-recovery</loc>
        <lastmod>2021-05-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/redhot-housing-market-starts-to-cool</loc>
        <lastmod>2021-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussies-seeking-help-from-brokers--study</loc>
        <lastmod>2021-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-top-suburbs-for-homebuyers-in-2021</loc>
        <lastmod>2021-05-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-housing-support-scheme-slated-to-be-rolled-out</loc>
        <lastmod>2021-05-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/digital-bank-waives-lmi-for-85-lvr-loans</loc>
        <lastmod>2021-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/low-rates-likely-to-keep-prices-afloat</loc>
        <lastmod>2021-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/whats-causing-the-slowdown-in-price-gains</loc>
        <lastmod>2021-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/no-news-is-good-news-as-cash-rate-holds-again</loc>
        <lastmod>2021-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/owneroccupier-financing-demand-still-on-the-rise</loc>
        <lastmod>2021-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-demand-strikes-robust-uplift</loc>
        <lastmod>2021-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuilder-boosts-residential-land-sales</loc>
        <lastmod>2021-04-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-sales-on-an-uptrend</loc>
        <lastmod>2021-04-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-early-super-access-helped-mortgage-borrowers</loc>
        <lastmod>2021-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuilder-changes-to-deal-with-construction-delays</loc>
        <lastmod>2021-04-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/economic-recovery-boosts-property-confidence</loc>
        <lastmod>2021-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-activity-strengthens-across-capitals</loc>
        <lastmod>2021-04-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-sellers-should-consider-entering-the-market</loc>
        <lastmod>2021-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-tool-allows-borrowers-to-track-mortgage-rates</loc>
        <lastmod>2021-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-find-the-right-home-insurance-coverage-to-suit-your-needs</loc>
        <lastmod>2021-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-risks-and-rewards-of-selling-your-home-on-your-own</loc>
        <lastmod>2021-04-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-holds-for-sixth-month-in-succession</loc>
        <lastmod>2021-04-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/does-the-house-price-surge-warrant-an-intervention</loc>
        <lastmod>2021-03-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sales-activity-dips-in-perth</loc>
        <lastmod>2021-03-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/where-is-the-housing-market-headed-this-year</loc>
        <lastmod>2021-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-relying-more-on-bank-of-mum-and-dad--study</loc>
        <lastmod>2021-03-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-4-roll-out-relief-package-for-flood-victims</loc>
        <lastmod>2021-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-major-slashes-fixed-rates</loc>
        <lastmod>2021-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-still-keen-to-buy-a-home</loc>
        <lastmod>2021-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/your-mortgage-spotlights-frontrunning-lenders</loc>
        <lastmod>2021-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonbank-rolls-out-support-to-selfemployed-borrowers</loc>
        <lastmod>2021-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-buying-a-for-sale-by-owner-home-right-for-you</loc>
        <lastmod>2021-03-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-big-bank-now-offers-industrys-lowest-fixed-rate</loc>
        <lastmod>2021-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/demand-surges-for-construction-loans</loc>
        <lastmod>2021-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-low-rates-continue-pushing-prices-up</loc>
        <lastmod>2021-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/has-the-housing-market-entered-a-boom-phase</loc>
        <lastmod>2021-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-loans-still-on-the-rise</loc>
        <lastmod>2021-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-is-the-impact-of-child-expenses-on-your-mortgage-payment</loc>
        <lastmod>2021-02-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrower-satisfaction-continues-to-improve</loc>
        <lastmod>2021-02-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/construction-costs-on-the-rise</loc>
        <lastmod>2021-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-nab-unveils-major-rate-cuts</loc>
        <lastmod>2021-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/detached-dwelling-starts-likely-to-reach-new-record</loc>
        <lastmod>2021-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonbanks-unveil-smsf-loans</loc>
        <lastmod>2021-02-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/deposit-scheme-boosts-demand-for-alternative-lending</loc>
        <lastmod>2021-02-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-lender-unveils-industrylow-fixed-rate</loc>
        <lastmod>2021-02-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-high-for-building-approvals</loc>
        <lastmod>2021-02-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-it-better-to-rent-or-buy-a-house-in-2021</loc>
        <lastmod>2021-02-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dwelling-values-reach-new-record-high</loc>
        <lastmod>2021-02-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/february-rate-watch-best-investor-loans</loc>
        <lastmod>2021-02-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-aussies-need-to-reconsider-christmas-club</loc>
        <lastmod>2021-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-bank-sees-spike-in-digital-banking-usage</loc>
        <lastmod>2021-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/exclusive-feature-financing-a-better-future</loc>
        <lastmod>2021-01-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-settlements-hit-twoyear-high</loc>
        <lastmod>2021-01-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/strong-takeup-for-fixed-rate-loans</loc>
        <lastmod>2021-01-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victoria-still-the-top-spot-for-homebuilder</loc>
        <lastmod>2021-01-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-broker-or-bank--which-ones-better</loc>
        <lastmod>2021-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/january-rate-watch-lowest-variable-rates-for-owneroccupiers</loc>
        <lastmod>2021-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/which-state-benefitted-the-most-from-homebuilder</loc>
        <lastmod>2021-01-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/low-rates-could-boost-house-prices--rba</loc>
        <lastmod>2021-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-commitments-hit-new-record-high</loc>
        <lastmod>2021-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-importance-of-credit-scores-in-home-loan-applications</loc>
        <lastmod>2021-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-aussies-top-financial-goals</loc>
        <lastmod>2021-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuilder-low-rates-drive-house-approvals</loc>
        <lastmod>2021-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/1-in-5-aussies-plans-to-pay-off-mortgage-sooner</loc>
        <lastmod>2021-01-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dwelling-prices-on-an-uptrend</loc>
        <lastmod>2021-01-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/busy-housing-market-predicted-this-year</loc>
        <lastmod>2021-01-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-residential-property-hotspots-in-2021</loc>
        <lastmod>2021-01-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/best-suburbs-to-raise-a-family-in-australia</loc>
        <lastmod>2020-12-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-firsthome-buyer-hotspots</loc>
        <lastmod>2020-12-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/group-calls-for-better-access-to-finance</loc>
        <lastmod>2020-12-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-borrowers-in-the-dark-about-mortgage-rates--study</loc>
        <lastmod>2020-12-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-urged-to-be-wary-of-dodgy-operators</loc>
        <lastmod>2020-12-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-prices-in-capitals-to-see-strong-gains-next-year</loc>
        <lastmod>2020-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-construction-loans-reach-record-high</loc>
        <lastmod>2020-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-taking-a-waitandsee-approach</loc>
        <lastmod>2020-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dwelling-prices-now-on-a-recovery-trend--corelogic</loc>
        <lastmod>2020-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/december-rate-watch-lowest-owneroccupier-mortgage-rates</loc>
        <lastmod>2020-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-makes-darwin-one-of-the-best-housing-markets</loc>
        <lastmod>2020-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-drives-the-optimism-among-young-property-buyers</loc>
        <lastmod>2020-11-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-back-on-paying-repayments</loc>
        <lastmod>2020-11-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tasmania-extends-safe-space-program</loc>
        <lastmod>2020-11-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-more-optimistic-about-housing</loc>
        <lastmod>2020-11-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reinsw-submits-proposal-for-strata-management-reforms</loc>
        <lastmod>2020-11-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-big-4-slash-fixed-rates</loc>
        <lastmod>2020-11-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-open-applications-for-deposit-scheme-extension</loc>
        <lastmod>2020-11-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-makes-historic-cash-rate-cut</loc>
        <lastmod>2020-11-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/recordlow-cash-rate-to-further-boost-affordability</loc>
        <lastmod>2020-11-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-optimistic-about-property-investing</loc>
        <lastmod>2020-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/major-banks-winning-refinancers-back--study</loc>
        <lastmod>2020-10-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/high-time-for-renters-to-enter-homeownership--expert</loc>
        <lastmod>2020-10-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-mortgage-stress-easing</loc>
        <lastmod>2020-10-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-this-months-best-fixedrate-loans</loc>
        <lastmod>2020-10-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuilder-boosts-property-sentiment</loc>
        <lastmod>2020-10-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-getting-back-on-their-feet</loc>
        <lastmod>2020-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-best-areas-for-dwelling-bargains</loc>
        <lastmod>2020-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/renovations-becoming-more-popular</loc>
        <lastmod>2020-10-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-on-the-rise</loc>
        <lastmod>2020-10-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dwelling-values-starting-to-recover</loc>
        <lastmod>2020-10-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/low-rates-to-boost-home-sales</loc>
        <lastmod>2020-10-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lender-rolls-out-lmi-discounts</loc>
        <lastmod>2020-09-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-in-a-frenzy</loc>
        <lastmod>2020-09-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-buyers-are-getting-a-boost</loc>
        <lastmod>2020-09-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fixedrate-loans-becoming-more-popular</loc>
        <lastmod>2020-09-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-house-price-gains-likely</loc>
        <lastmod>2020-09-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-commence-deferral-assessments</loc>
        <lastmod>2020-09-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/refinancers-on-the-rise-in-nsw</loc>
        <lastmod>2020-09-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-costs-becoming-more-affordable</loc>
        <lastmod>2020-09-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-this-months-best-variable-loans</loc>
        <lastmod>2020-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-mortgage-rates-rise-anytime-soon</loc>
        <lastmod>2020-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/still-a-good-time-to-buy-a-home--expert</loc>
        <lastmod>2020-09-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/deposit-scheme-spurs-activity-amongst-fhbs</loc>
        <lastmod>2020-08-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-becoming-more-active</loc>
        <lastmod>2020-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuying-intentions-still-high</loc>
        <lastmod>2020-08-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-industrylow-investor-rate-unveiled</loc>
        <lastmod>2020-08-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-in-the-dark-about-housing-finances--study</loc>
        <lastmod>2020-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tight-rules-still-a-hindrance-to-homeownership</loc>
        <lastmod>2020-08-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-flock-to-perths-affordable-suburbs</loc>
        <lastmod>2020-08-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-urged-to-support-struggling-borrowers</loc>
        <lastmod>2020-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuilder-application-opens</loc>
        <lastmod>2020-08-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-urged-to-explore-rate-options</loc>
        <lastmod>2020-08-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-commitments-recover-in-june</loc>
        <lastmod>2020-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/1-in-10-mortgages-deferred</loc>
        <lastmod>2020-08-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-house-prices-becoming-cheaper</loc>
        <lastmod>2020-08-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-still-financially-comfortable</loc>
        <lastmod>2020-07-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/customerowned-banks-most-trusted</loc>
        <lastmod>2020-07-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stamp-duty-cuts-for-nsw-firsthome-buyers</loc>
        <lastmod>2020-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-aussies-renovation-priorities</loc>
        <lastmod>2020-07-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/jobseeker-to-be-extended</loc>
        <lastmod>2020-07-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-expect-bargains</loc>
        <lastmod>2020-07-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-homebuilder-successful-in-creating-demand</loc>
        <lastmod>2020-07-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonmajor-unveils-1-lmi</loc>
        <lastmod>2020-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-it-time-to-fix-your-mortgage-rate</loc>
        <lastmod>2020-07-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-buyers-changing-housing-needs</loc>
        <lastmod>2020-07-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-stress-on-the-rise</loc>
        <lastmod>2020-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-still-in-the-dark-about-housing-grants</loc>
        <lastmod>2020-07-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-house-prices-getting-cheaper</loc>
        <lastmod>2020-07-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/group-calls-for-extension-of-homebuilder-grant</loc>
        <lastmod>2020-06-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/using-homebuilder-grant-for-energysaving-upgrades</loc>
        <lastmod>2020-06-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/check-out-the-latest-updates-on-the-homebuilder-scheme</loc>
        <lastmod>2020-06-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-taking-advantage-of-early-super-access</loc>
        <lastmod>2020-06-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-reveal-rate-cuts</loc>
        <lastmod>2020-06-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/electronic-mortgages-should-stay-group-says</loc>
        <lastmod>2020-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-applications-spike-as-house-prices-fall</loc>
        <lastmod>2020-06-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/june-rate-watch-lowest-fixed-rates</loc>
        <lastmod>2020-06-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-bank-unveils-support-for-io-borrowers</loc>
        <lastmod>2020-06-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/major-ready-to-say-no-to-customers</loc>
        <lastmod>2020-06-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/where-will-the-homebuilder-scheme-boom</loc>
        <lastmod>2020-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-to-expect-from-tasmanias-construction-boost</loc>
        <lastmod>2020-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/loans-to-firsthome-buyers-moderate</loc>
        <lastmod>2020-06-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/june-rate-watch-lowest-variable-rates</loc>
        <lastmod>2020-06-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-stress-levels-are-easing</loc>
        <lastmod>2020-06-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-you-need-to-know-about-homebuilder-scheme</loc>
        <lastmod>2020-06-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsws-housing-affordability-improves</loc>
        <lastmod>2020-06-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-supported-by-lending-environment--expert</loc>
        <lastmod>2020-06-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/another-big-bank-allows-io-switches-extensions</loc>
        <lastmod>2020-06-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/distressed-sales-kept-in-check</loc>
        <lastmod>2020-05-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-australias-topperforming-regional-market</loc>
        <lastmod>2020-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-slots-for-deposit-scheme-announced</loc>
        <lastmod>2020-05-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-has-covid19-changed-housing-finance</loc>
        <lastmod>2020-05-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/group-proposes-grant-for-newhome-buyers</loc>
        <lastmod>2020-05-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-now-is-the-best-time-to-buy-a-house</loc>
        <lastmod>2020-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/check-out-this-months-best-fixedrate-loans</loc>
        <lastmod>2020-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-deferrals-on-an-uptrend</loc>
        <lastmod>2020-05-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-still-interested-in-property</loc>
        <lastmod>2020-05-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/construction-of-new-homes-likely-to-moderate</loc>
        <lastmod>2020-05-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-exposed-to-mortgage-stress--study</loc>
        <lastmod>2020-05-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-bank-unveils-temporary-changes-to-lending-rules</loc>
        <lastmod>2020-05-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-seek-help-from-customerowned-banks</loc>
        <lastmod>2020-05-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-banks-regaining-consumers-trust--study</loc>
        <lastmod>2020-05-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-finance-still-steady-in-march</loc>
        <lastmod>2020-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-likely-to-remain-low-until-2023</loc>
        <lastmod>2020-05-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/covid19-takes-toll-on-aussies-finances</loc>
        <lastmod>2020-05-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-borrowers-need-to-be-careful-about-repayment-cuts</loc>
        <lastmod>2020-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-most-liveable-and-affordable-adelaide-suburbs</loc>
        <lastmod>2020-05-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-covid19-make-improve-housing-affordable</loc>
        <lastmod>2020-04-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/deferrals-likely-to-cost-homeowners--reinsw</loc>
        <lastmod>2020-04-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-meet-your-mortgage-repayments-during-covid19</loc>
        <lastmod>2020-04-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/loyal-borrowers-charged-higher-interest--study</loc>
        <lastmod>2020-04-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-melbourne-suburbs-for-affordability-and-liveability</loc>
        <lastmod>2020-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victoria-extends-firsthomebuyer-grant</loc>
        <lastmod>2020-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cuts-support-homebuying-intentions</loc>
        <lastmod>2020-04-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/capital-gains-motivate-firsthome-buyers</loc>
        <lastmod>2020-04-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-lending-rules-getting-stricter</loc>
        <lastmod>2020-04-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/easy-diy-reno-projects-for-selfisolating-aussies</loc>
        <lastmod>2020-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-boosting-the-deposit-scheme-is-crucial</loc>
        <lastmod>2020-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-4-expand-market-reach</loc>
        <lastmod>2020-04-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-still-active</loc>
        <lastmod>2020-04-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-to-cut-rates-to-zero-in-may</loc>
        <lastmod>2020-04-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-now-the-right-time-to-renovate</loc>
        <lastmod>2020-04-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/has-homebuying-become-more-difficult</loc>
        <lastmod>2020-04-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-deferrals-hurt-aussies-credit-scores</loc>
        <lastmod>2020-04-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-now-the-best-time-to-buy-a-home</loc>
        <lastmod>2020-04-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-bank-to-refund-interest-charges</loc>
        <lastmod>2020-04-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-houses-getting-cheaper</loc>
        <lastmod>2020-04-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sketching-young-aussies-ideal-home</loc>
        <lastmod>2020-04-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-still-in-the-dark-about-open-banking</loc>
        <lastmod>2020-03-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ato-unveils-guidelines-on-early-super-access</loc>
        <lastmod>2020-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/can-aussies-still-participate-in-house-auctions</loc>
        <lastmod>2020-03-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonmajor-banks-unveil-support-for-borrowers</loc>
        <lastmod>2020-03-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-aussies-can-secure-their-credit-scores-amid-covid19</loc>
        <lastmod>2020-03-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-what-borrowers-should-do-in-times-of-crisis</loc>
        <lastmod>2020-03-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/majors-respond-to-rbas-emergency-rate-cut</loc>
        <lastmod>2020-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cut-opens-buying-opportunity</loc>
        <lastmod>2020-03-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-you-consider-natural-disasters-when-looking-for-a-home</loc>
        <lastmod>2020-03-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-slashes-interest-rates--but-how-low</loc>
        <lastmod>2020-03-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/revealed-most-liveable-cities-for-regional-buyers</loc>
        <lastmod>2020-03-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-rate-nonmajors-higher-than-big-4--study</loc>
        <lastmod>2020-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-roll-out-support-for-clients-affected-by-covid19</loc>
        <lastmod>2020-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-move-forward-in-volatile-times</loc>
        <lastmod>2020-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeownership-dream-still-alive-amongst-young-aussies</loc>
        <lastmod>2020-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-take-advantage-of-deposit-scheme</loc>
        <lastmod>2020-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-aussies-are-complaining-about-their-mortgages</loc>
        <lastmod>2020-03-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/low-interest-rates-could-stifle-competition--coba</loc>
        <lastmod>2020-03-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-boost-market-presence</loc>
        <lastmod>2020-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonmajors-roll-out-markets-lowest-mortgage-rates</loc>
        <lastmod>2020-03-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cuts-unable-to-boost-affordability</loc>
        <lastmod>2020-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/which-big-bank-offers-the-lowest-variable-rate-after-the-rba-cut</loc>
        <lastmod>2020-03-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyer-demand-boosts-house-prices</loc>
        <lastmod>2020-03-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-bank-unveils-support-for-widowed-borrowers</loc>
        <lastmod>2020-03-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgages-cheaper-than-rents-in-which-capital-city</loc>
        <lastmod>2020-02-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/do-rate-cuts-make-aussies-want-to-borrow-more</loc>
        <lastmod>2020-02-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/check-out-cba-anzs-latest-fixedrate-adjustments</loc>
        <lastmod>2020-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-house-searching-taking-too-much-of-aussies-time</loc>
        <lastmod>2020-02-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-rising-prices-spur-wealth-effect</loc>
        <lastmod>2020-02-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-millennials-are-willing-to-sacrifice-for-a-home</loc>
        <lastmod>2020-02-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/looking-for-investment-loans-check-out-these-deals</loc>
        <lastmod>2020-02-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/financial-comfort-falls-in-regional-australia--study</loc>
        <lastmod>2020-02-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/deposit-scheme-popular-amongst-regional-buyers</loc>
        <lastmod>2020-02-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downsizers-to-take-advantage-of-low-mortgage-rates</loc>
        <lastmod>2020-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lending-to-firsthome-buyers-spikes</loc>
        <lastmod>2020-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/check-out-this-months-lowest-fiveyear-fixed-rates</loc>
        <lastmod>2020-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-why-borrowers-need-to-check-their-mortgage-rates</loc>
        <lastmod>2020-02-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/1-in-3-mortgage-borrowers-in-stress--study</loc>
        <lastmod>2020-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-still-likely-to-slash-rates-twice-this-year</loc>
        <lastmod>2020-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-what-really-hinders-firsthome-buyers</loc>
        <lastmod>2020-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonmajors-open-applications-for-deposit-scheme</loc>
        <lastmod>2020-02-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-credit-scores-slated-to-improve-this-valentines-day</loc>
        <lastmod>2020-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-still-viable-for-firsthome-buyers</loc>
        <lastmod>2020-01-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-more-satisfied-with-smaller-lenders--study</loc>
        <lastmod>2020-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonmajor-banks-unveil-new-rates</loc>
        <lastmod>2020-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/optout-super-plan-spells-trouble-for-aussies--experts</loc>
        <lastmod>2020-01-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-banks-slash-rates-ahead-of-rba-decision</loc>
        <lastmod>2020-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/neobank-eyes-issuing-home-loans</loc>
        <lastmod>2020-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/check-out-this-months-lowest-fixed-rates</loc>
        <lastmod>2020-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyer-lending-drops</loc>
        <lastmod>2020-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-unveils-interestfree-home-loans-for-bushfire-victims</loc>
        <lastmod>2020-01-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/green-home-loan-launched-to-encourage-sustainable-housing</loc>
        <lastmod>2020-01-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/demand-for-deposit-scheme-intensifies</loc>
        <lastmod>2020-01-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-apartments-are-a-good-option-for-deposit-scheme-applicants</loc>
        <lastmod>2020-01-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-the-firsthome-buyer-scheme-targeting-the-wrong-aussies</loc>
        <lastmod>2020-01-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-lenders-offer-the-lowest-variable-rates</loc>
        <lastmod>2020-01-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-aussies-should-look-for-in-a-home-insurance</loc>
        <lastmod>2020-01-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-could-hinder-aussies-financial-goals-this-year</loc>
        <lastmod>2020-01-06</lastmod>
    </url>
</urlset>