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        <lastmod>2019-10-10</lastmod>
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        <lastmod>2019-10-08</lastmod>
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        <lastmod>2019-10-03</lastmod>
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        <lastmod>2019-10-03</lastmod>
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        <lastmod>2019-10-02</lastmod>
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        <lastmod>2019-10-02</lastmod>
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        <lastmod>2019-10-02</lastmod>
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        <lastmod>2019-10-01</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/liar-loans-reemerge-despite-crackdown-on-lax-rules</loc>
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        <lastmod>2019-09-30</lastmod>
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        <lastmod>2019-09-30</lastmod>
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        <lastmod>2019-09-30</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/insurance-provider-unveils-flexible-lmi</loc>
        <lastmod>2019-09-27</lastmod>
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        <lastmod>2019-09-27</lastmod>
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        <lastmod>2019-09-27</lastmod>
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        <lastmod>2019-09-26</lastmod>
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        <lastmod>2019-09-26</lastmod>
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        <lastmod>2019-09-26</lastmod>
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        <lastmod>2019-09-25</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/3-ways-to-dodge-a-possible-mortgage-trap</loc>
        <lastmod>2019-09-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2-in-3-aussies-willing-to-ditch-travel-plans-to-save-for-a-home</loc>
        <lastmod>2019-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-firsthome-buyers-are-bridging-the-deposit-gap</loc>
        <lastmod>2019-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-markets-get-busier-as-volume-swells</loc>
        <lastmod>2019-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/low-mortgage-rates-could-save-australia-from-recession</loc>
        <lastmod>2019-09-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-likely-to-cut-rates-next-month--experts</loc>
        <lastmod>2019-09-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-drives-firsthome-buyers-away-from-act</loc>
        <lastmod>2019-09-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-loan-deposit-scheme-set-to-be-put-into-law</loc>
        <lastmod>2019-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/strong-population-growth-to-boost-building-activity</loc>
        <lastmod>2019-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeloan-borrowers-are-blinded-by-cashback-offers--study</loc>
        <lastmod>2019-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-flock-to-tasmania</loc>
        <lastmod>2019-09-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/watchdog-flags-concerns-on-lender-competition</loc>
        <lastmod>2019-09-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/consumer-groups-push-for-laws-against-predatory-payday-loans</loc>
        <lastmod>2019-09-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lender-offers-lowdeposit-home-loans-for-firsthome-buyer</loc>
        <lastmod>2019-09-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-australia-close-to-achieving-housing-market-recovery</loc>
        <lastmod>2019-09-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lottery-winners-use-winnings-to-pay-mortgage-debt--study</loc>
        <lastmod>2019-09-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-are-ditching-interestonly-loans</loc>
        <lastmod>2019-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-homes-taken-to-auction</loc>
        <lastmod>2019-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordability-improves-in-western-australia</loc>
        <lastmod>2019-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-its-time-to-take-advantage-of-western-australias-housing-market</loc>
        <lastmod>2019-09-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-slated-to-recover-next-year--ubs</loc>
        <lastmod>2019-09-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-are-borrowing-with-smaller-mortgage-deposits</loc>
        <lastmod>2019-09-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/low-rates-lax-rules-boost-home-lending</loc>
        <lastmod>2019-09-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-the-downside-of-low-interest-rates</loc>
        <lastmod>2019-09-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussies-plan-to-save-their-tax-refunds--study</loc>
        <lastmod>2019-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/which-state-has-the-most-affordable-housing-market</loc>
        <lastmod>2019-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-are-flocking-to-the-housing-market</loc>
        <lastmod>2019-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/group-unveils-alternative-to-firsthome-buyer-scheme</loc>
        <lastmod>2019-09-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-lender-unveils-industrys-lowest-fixed-rate</loc>
        <lastmod>2019-09-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-queensland-housing-market-still-affordable</loc>
        <lastmod>2019-09-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-westpac-drops-fixed-variable-homeloan-rates</loc>
        <lastmod>2019-09-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeloan-affordability-spikes-in-new-south-wales</loc>
        <lastmod>2019-09-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-market-extends-win-streak</loc>
        <lastmod>2019-09-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loans-are-growing-fast--is-it-time-to-tighten-lending-rules</loc>
        <lastmod>2019-09-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeowners-are-spending-more-on-kitchen-renovations--study</loc>
        <lastmod>2019-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/western-australia-set-to-witness-homebuilding-recovery</loc>
        <lastmod>2019-09-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/a-big-bank-might-soon-offer-35year-mortgages</loc>
        <lastmod>2019-09-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-maintains-cash-rate-at-1</loc>
        <lastmod>2019-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-leads-growth-in-property-listings</loc>
        <lastmod>2019-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/looking-for-cheap-home-deals-consider-western-sydney-suburbs</loc>
        <lastmod>2019-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-saving-for-a-mortgage-has-become-a-struggle</loc>
        <lastmod>2019-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-volumes-rise-across-capital-cities</loc>
        <lastmod>2019-09-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-check-out-whats-new-with-hsbcs-home-loans</loc>
        <lastmod>2019-09-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-dry-spell-now-over-as-home-prices-rise</loc>
        <lastmod>2019-09-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-high-householddebt-level-could-impact-future-rate-decisions--rba</loc>
        <lastmod>2019-09-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-more-lenders-are-jumping-the-sub3-fixedrate-trend</loc>
        <lastmod>2019-09-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-homebuyers-need-to-be-aware-of-climate-change</loc>
        <lastmod>2019-09-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-likely-to-keep-cash-rate-at-1-next-month</loc>
        <lastmod>2019-08-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-construction-slump-takes-toll-on-australias-economy</loc>
        <lastmod>2019-08-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-mortgage-brokers-doing-enough-for-aussie-borrowers</loc>
        <lastmod>2019-08-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/senior-aussies-still-burdened-by-mortgage-debt</loc>
        <lastmod>2019-08-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-buildtorent-the-solution-to-housing-affordability-woes</loc>
        <lastmod>2019-08-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-sales-still-lag-but-signs-of-rebound-appear</loc>
        <lastmod>2019-08-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-paylater-schemes-could-cost-borrowers-their-dream-home</loc>
        <lastmod>2019-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-watch-boq-move-homestart-slash-fixed-mortgage-rates</loc>
        <lastmod>2019-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-under-fire-over-introducer-scheme</loc>
        <lastmod>2019-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-urged-to-watch-their-mortgage-rates</loc>
        <lastmod>2019-08-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-the-housing-market-rebound-be-shortlived-in-case-of-a-recession</loc>
        <lastmod>2019-08-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-clearance-rates-close-to-hitting-80</loc>
        <lastmod>2019-08-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-market-poised-to-stabilise-as-supply-demand-even-out--hia</loc>
        <lastmod>2019-08-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dont-be-so-quick-to-fix-your-mortgage-rates-expert-warns</loc>
        <lastmod>2019-08-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/townhouses-are-gaining-steam-amongst-aussies</loc>
        <lastmod>2019-08-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-mortgage-rates-to-fall-under-3</loc>
        <lastmod>2019-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-population-could-dictate-the-fate-of-the-housing-market</loc>
        <lastmod>2019-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/experts-warn-of-more-unaffordable-home-loans-postwestpac-court-win</loc>
        <lastmod>2019-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/taxes-red-tape-make-housing-affordability-worse--study</loc>
        <lastmod>2019-08-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-victorias-stamp-duty-policies-need-updating</loc>
        <lastmod>2019-08-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-subsidiaries-unveil-sub3-fixed-mortgage-rates</loc>
        <lastmod>2019-08-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lender-unveils-mortgagerate-discounts-for-aussie-expats</loc>
        <lastmod>2019-08-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-paying-10000-for-a-home-deposit-might-put-you-behind-bars</loc>
        <lastmod>2019-08-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/solo-dwellers-are-on-the-rise--what-issues-do-they-face</loc>
        <lastmod>2019-08-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussie-homeowners-are-planning-to-upsize--westpac</loc>
        <lastmod>2019-08-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-clearance-rates-hit-twoyear-high</loc>
        <lastmod>2019-08-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/check-out-these-latest-homeloan-rate-changes-by-small-banks</loc>
        <lastmod>2019-08-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-86-400-plans-to-change-the-game-in-the-homeloan-market</loc>
        <lastmod>2019-08-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-mortgage-lending-rules-change-postwestpac-court-win</loc>
        <lastmod>2019-08-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/milliondollar-homes-set-to-witness-recovery-as-downturn-dissipates</loc>
        <lastmod>2019-08-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/young-aussies-hold-off-housing-plans-to-prioritise-education-career</loc>
        <lastmod>2019-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-to-revamp-lending-rules-despite-court-win</loc>
        <lastmod>2019-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/unemployment-uptick-might-signal-another-rate-cut</loc>
        <lastmod>2019-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/western-australians-reel-under-severe-mortgage-stress</loc>
        <lastmod>2019-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-aussies-expect-a-negative-mortgage-rate-anytime-soon</loc>
        <lastmod>2019-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-use-your-tax-refunds-wisely</loc>
        <lastmod>2019-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-wins-court-battle-over-lending-rules</loc>
        <lastmod>2019-08-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeloan-approvals-rise-as-housing-market-stabilises</loc>
        <lastmod>2019-08-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/4-in-5-aussies-in-the-dark-about-interest-rates</loc>
        <lastmod>2019-08-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-market-benefits-from-lower-mortgage-rates-changes-in-stress-tests</loc>
        <lastmod>2019-08-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-still-optimistic-about-housing-despite-financial-woes</loc>
        <lastmod>2019-08-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/check-out-these-suburbs-that-defied-the-housing-downturn</loc>
        <lastmod>2019-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-now-the-right-time-to-fix-your-mortgage</loc>
        <lastmod>2019-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-still-on-track-to-make-further-rate-cuts</loc>
        <lastmod>2019-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/savers-ditch-major-banks-as-rate-cuts-start-to-bite</loc>
        <lastmod>2019-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/be-careful-with-offset-accounts-when-refinancing-with-nonbanks-expert-warns</loc>
        <lastmod>2019-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-sudden-housing-turnaround-is-not-all-its-cracked-up-to-be</loc>
        <lastmod>2019-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-proof-that-homebuyers-are-becoming-active-again</loc>
        <lastmod>2019-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/looking-for-a-tree-change-consider-buying-this-victorian-vineyard</loc>
        <lastmod>2019-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/study-sheds-light-on-ageing-aussies-housing-needs</loc>
        <lastmod>2019-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fewer-homes-made-it-to-the-market-in-july</loc>
        <lastmod>2019-08-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/group-demands-governments-to-release-unused-lands-for-tiny-homes</loc>
        <lastmod>2019-08-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-holds-cash-rate-as-economy-weakens</loc>
        <lastmod>2019-08-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuyers-investors-slowly-break-into-the-housing-market-again</loc>
        <lastmod>2019-08-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/clearance-rates-still-strong-despite-slight-dip</loc>
        <lastmod>2019-08-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queenslandbased-customerowned-bank-unveils-lowered-mortgage-rates</loc>
        <lastmod>2019-08-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/me-bank-unveils-industrys-lowest-mortgage-serviceability-rate</loc>
        <lastmod>2019-08-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-housing-market-presence-strengthens</loc>
        <lastmod>2019-08-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/1-in-4-aussies-under-30-works-several-jobs-to-make-ends-meet</loc>
        <lastmod>2019-08-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-might-have-reached-the-bottom--corelogic</loc>
        <lastmod>2019-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-unable-to-keep-up-with-peers-mortgage-growth</loc>
        <lastmod>2019-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/alternative-lender-unveils-discounted-loan-rates</loc>
        <lastmod>2019-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-buyers-miss-out-on-great-deals-due-to-agent-distrust</loc>
        <lastmod>2019-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-home-loans-are-becoming-a-financial-waste-for-aussies</loc>
        <lastmod>2019-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-can-aussies-save-on-their-winter-energy-bill</loc>
        <lastmod>2019-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-concerns-could-take-a-toll-on-aussies-mental-health-study-shows</loc>
        <lastmod>2019-07-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/building-approvals-still-an-economic-drag--udia</loc>
        <lastmod>2019-07-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-urged-to-hunt-for-3-mortgage-rate</loc>
        <lastmod>2019-07-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-starts-set-to-spring-back-by-2020</loc>
        <lastmod>2019-07-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/major-banks-offer-higher-rates-take-longer-to-approve-home-loans--study</loc>
        <lastmod>2019-07-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/renting-is-becoming-a-severe-burden-to-aussies--expert</loc>
        <lastmod>2019-07-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-capital-city-suburbs-might-see-house-prices-grow-by-25</loc>
        <lastmod>2019-07-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-are-the-most-effective-and-affordable-strategies-for-firsthome-buyers</loc>
        <lastmod>2019-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-buildtorent-trend-might-get-traction-in-australia</loc>
        <lastmod>2019-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-to-stay-low-despite-robust-economy--rba</loc>
        <lastmod>2019-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/land-prices-remain-strong-despite-sales-slump</loc>
        <lastmod>2019-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-become-more-optimistic-about-housing-market-study-shows</loc>
        <lastmod>2019-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/a-0-5-cash-rate-might-be-in-the-cards--westpac-chief-economist</loc>
        <lastmod>2019-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-sydney-suburbs-are-leading-the-market-recovery</loc>
        <lastmod>2019-07-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-melbourne-housing-prices-poised-to-rebound-by-10</loc>
        <lastmod>2019-07-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-unveils-changes-to-lending-rules</loc>
        <lastmod>2019-07-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-its-costly-to-be-a-homeowner-in-western-australia</loc>
        <lastmod>2019-07-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-auction-market-just-recorded-its-strongest-week--corelogic</loc>
        <lastmod>2019-07-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/9-in-10-aussies-still-think-housing-is-affordable</loc>
        <lastmod>2019-07-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-joins-rivals-in-adjusting-lending-rules</loc>
        <lastmod>2019-07-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-many-borrowers-might-fall-into-mortgage-stress</loc>
        <lastmod>2019-07-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-young-aussies-need-to-get-into-the-housing-market-now</loc>
        <lastmod>2019-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/digital-bank-gets-apras-gosignal</loc>
        <lastmod>2019-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-australia-providing-enough-social-housing</loc>
        <lastmod>2019-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victoria-unveils-600m-program-to-fix-buildings-with-highrisk-cladding</loc>
        <lastmod>2019-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/small-mortgage-lenders-unveil-rate-floor-adjustments</loc>
        <lastmod>2019-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fewer-aussies-own-their-homes-data-show</loc>
        <lastmod>2019-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/would-the-rba-consider-further-rate-cuts</loc>
        <lastmod>2019-07-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-a-turnaround-in-house-prices-this-year--anz</loc>
        <lastmod>2019-07-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brisbane-housing-market-to-outpace-sydney-and-melbourne</loc>
        <lastmod>2019-07-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/healthy-auction-market-recorded-in-june-quarter--corelogic</loc>
        <lastmod>2019-07-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tasmania-set-to-witness-strong-housing-market-gains</loc>
        <lastmod>2019-07-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/major-banks-tweak-lending-rules-for-home-buyers</loc>
        <lastmod>2019-07-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expert-warns-against-hiring-unlicensed-tradespeople-for-renos</loc>
        <lastmod>2019-07-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-impact-of-an-extra-50-towards-mortgage-repayments</loc>
        <lastmod>2019-07-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/confidence-in-wa-property-industry-is-booming</loc>
        <lastmod>2019-07-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-loan-scheme-for-sa-homeowners</loc>
        <lastmod>2019-07-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-market-confidence-rebounds-in-victoria</loc>
        <lastmod>2019-07-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apras-move-to-boost-aussies-borrowing-power</loc>
        <lastmod>2019-07-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-rate-cuts-to-boost-housing-affordability--reia</loc>
        <lastmod>2019-07-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonmajor-banks-announce-variable-rate-changes</loc>
        <lastmod>2019-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-sales-rebound</loc>
        <lastmod>2019-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tax-cuts-set-to-benefit-aussie-homeowners</loc>
        <lastmod>2019-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-will-keystart-changes-help-aussies-break-into-the-housing-market</loc>
        <lastmod>2019-07-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dwelling-approval-slump-eases</loc>
        <lastmod>2019-07-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-rba-could-hold-back-on-future-rate-cuts</loc>
        <lastmod>2019-07-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-rate-cut-may-not-translate-to-lower-mortgage-rates</loc>
        <lastmod>2019-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fewer-owners-listed-their-properties-in-june-figures-show</loc>
        <lastmod>2019-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-passes-full-rate-cut-as-peers-hold-back</loc>
        <lastmod>2019-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/boq-virgin-money-jump-aboard-2-99-fixedrate-train</loc>
        <lastmod>2019-07-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-melbourne-housing-markets-begin-to-edge-up</loc>
        <lastmod>2019-07-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/would-getting-a-40year-mortgage-be-worth-it</loc>
        <lastmod>2019-07-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-its-not-always-a-good-idea-to-consolidate-debts</loc>
        <lastmod>2019-07-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/slimmer-chances-for-rba-to-slash-rates-in-july--experts</loc>
        <lastmod>2019-07-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/propertylending-growth-hits-40year-low</loc>
        <lastmod>2019-07-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-dont-expect-lenders-to-pass-on-the-next-rate-cuts</loc>
        <lastmod>2019-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-debt-outpaces-growth-in-housing-values</loc>
        <lastmod>2019-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dirty-money-could-be-entering-the-housing-market-expert-says</loc>
        <lastmod>2019-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-seekers-are-avoiding-strata-and-offtheplan-developments-says-developer</loc>
        <lastmod>2019-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-backpedals-on-plans-to-ease-lending-rules</loc>
        <lastmod>2019-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-turn-to-digital-banking-ditching-bank-branches</loc>
        <lastmod>2019-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-strong-auction-markets-enough-to-signal-a-housing-recovery</loc>
        <lastmod>2019-06-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-are-agents-crucial-when-buying-a-home</loc>
        <lastmod>2019-06-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reiwa-unveils-mobile-app-updates</loc>
        <lastmod>2019-06-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-could-be-the-downsides-of-a-housing-market-rebound</loc>
        <lastmod>2019-06-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stamp-duty-reform-could-help-homeowners-downsize</loc>
        <lastmod>2019-06-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-it-practical-to-invest-while-paying-mortgage</loc>
        <lastmod>2019-06-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-a-third-rate-cut-by-november--nab</loc>
        <lastmod>2019-06-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-in-need-of-policies-to-support-population-growth</loc>
        <lastmod>2019-06-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/online-lenders-slash-homeloan-fixed-rates</loc>
        <lastmod>2019-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/3-in-5-borrowers-deal-with-brokers-for-home-loans</loc>
        <lastmod>2019-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-the-population-growth-means-for-the-housing-market</loc>
        <lastmod>2019-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dont-expect-an-exciting-housing-market-recovery--anz-economists</loc>
        <lastmod>2019-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/south-australia-unveils-plans-to-boost-states-housing-sector</loc>
        <lastmod>2019-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussies-are-choosing-customerowned-banks-for-home-loans</loc>
        <lastmod>2019-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downturn-makes-perth-the-most-affordable-housing-market</loc>
        <lastmod>2019-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-further-rate-cuts-in-the-coming-months</loc>
        <lastmod>2019-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dont-fear-rising-homeloan-arrears-says-rba-official</loc>
        <lastmod>2019-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-perfect-time-to-build-a-granny-flat-is-now</loc>
        <lastmod>2019-06-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-market-bounces-back</loc>
        <lastmod>2019-06-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/experts-urge-borrowers-to-check-their-mortgage-rates</loc>
        <lastmod>2019-06-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-high-immigration-made-housing-unaffordable-in-sydney-and-melbourne</loc>
        <lastmod>2019-06-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussies-might-fall-behind-on-mortgage-repayments--moodys</loc>
        <lastmod>2019-06-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneysiders-choose-rebuilding-over-renovating-study-shows</loc>
        <lastmod>2019-06-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/western-australia-still-amongst-the-most-affordable-housing-markets</loc>
        <lastmod>2019-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-are-spending-more-on-housing-than-on-essentials-study-shows</loc>
        <lastmod>2019-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cuts-likely-to-bring-more-firsthome-buyers-to-the-market--reia</loc>
        <lastmod>2019-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-minister-unveils-plans-to-boost-affordable-housing</loc>
        <lastmod>2019-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-to-compensate-more-overcharged-homeloan-borrowers</loc>
        <lastmod>2019-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/1-in-3-aussies-eyes-buying-a-home-this-year</loc>
        <lastmod>2019-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-rate-cut-could-be-bad-news-for-firsthome-buyers</loc>
        <lastmod>2019-06-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-affordable-is-the-housing-market-becoming</loc>
        <lastmod>2019-06-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/construction-sector-weakens-as-financing-eases</loc>
        <lastmod>2019-06-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/would-recent-policy-changes-abate-worsening-homeloan-arrears-in-australia</loc>
        <lastmod>2019-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-homeowners-witness-rise-in-affordability--reia</loc>
        <lastmod>2019-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-first-creditscore-monitoring-app-unveiled</loc>
        <lastmod>2019-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeseller-satisfaction-on-the-rise</loc>
        <lastmod>2019-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-unveils-rate-changes-for-interestonly-investor-loans</loc>
        <lastmod>2019-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuilding-costs-to-rise-to-support-act-housing</loc>
        <lastmod>2019-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-how-you-can-break-free-from-a-debt-trap</loc>
        <lastmod>2019-06-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rbas-rate-cut-a-step-towards-housing-affordability--experts</loc>
        <lastmod>2019-06-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-lenders-slash-rates-after-rbas-move</loc>
        <lastmod>2019-06-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-would-a-rate-cut-influence-the-housing-market</loc>
        <lastmod>2019-06-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downturn-continues-to-ease-as-auction-market-sees-signs-of-life</loc>
        <lastmod>2019-06-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-stress-still-prevalent-amongst-renters</loc>
        <lastmod>2019-06-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-financing-grows-at-a-snails-pace-despite-rbas-low-cash-rate</loc>
        <lastmod>2019-06-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-eyes-rewarding-borrowers-with-energyefficient-homes</loc>
        <lastmod>2019-06-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-forcing-super-contributions-wont-do-millennial-househunters-any-good</loc>
        <lastmod>2019-05-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lender-competition-heats-up-as-boq-joins-the-ratecut-trend</loc>
        <lastmod>2019-05-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-building-approvals-rebound-postelection</loc>
        <lastmod>2019-05-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/communityowned-lender-shakes-up-competition-with-industrylow-rate</loc>
        <lastmod>2019-05-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ing-treats-homeloan-borrowers-with-rate-cuts</loc>
        <lastmod>2019-05-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-perth-suburbs-are-bucking-the-housing-downturn</loc>
        <lastmod>2019-05-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dwelling-prices-tipped-to-rise-next-year--hsbc</loc>
        <lastmod>2019-05-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-much-more-can-aussies-borrow-under-apras-lending-changes</loc>
        <lastmod>2019-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-woos-borrowers-with-rate-discounts</loc>
        <lastmod>2019-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-home-loans-eyes-helping-borrowers-who-dont-fit-the-mould</loc>
        <lastmod>2019-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-market-shows-signs-of-life-as-clearance-rates-rise</loc>
        <lastmod>2019-05-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/industry-lauds-appointment-of-minister-for-housing</loc>
        <lastmod>2019-05-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-low-can-the-cash-rate-get</loc>
        <lastmod>2019-05-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-suburbs-continue-to-defy-the-housing-downturn</loc>
        <lastmod>2019-05-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-housing-supply-glut-might-impede-speedy-recovery</loc>
        <lastmod>2019-05-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lender-unveils-lowest-mortgage-rate-in-australia</loc>
        <lastmod>2019-05-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australians-just-missed-the-chance-to-fix-the-housing-market-expert-says</loc>
        <lastmod>2019-05-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apras-mortgage-rules-a-big-win-for-western-australia-buyers</loc>
        <lastmod>2019-05-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-end-is-near-for-price-declines--amp</loc>
        <lastmod>2019-05-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-recovery-just-around-the-corner-for-the-housing-market</loc>
        <lastmod>2019-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/treasurer-backs-apras-move-urges-banks-to-lend</loc>
        <lastmod>2019-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-new-deposit-scheme-might-trap-firsthome-buyers</loc>
        <lastmod>2019-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-much-will-the-new-government-deposit-scheme-save-you</loc>
        <lastmod>2019-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-to-banks-its-time-to-relax-lending-rules</loc>
        <lastmod>2019-05-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-just-hinted-at-likely-rate-cut-in-june</loc>
        <lastmod>2019-05-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/spare-ryde-from-medium-density-housing-code--city-council</loc>
        <lastmod>2019-05-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-the-coalition-win-means-for-the-housing-market</loc>
        <lastmod>2019-05-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/competition-likely-to-heat-up-as-more-lenders-follow-the-ratecut-tide</loc>
        <lastmod>2019-05-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-housing-affordability-improves-at-fastest-pace-in-six-years</loc>
        <lastmod>2019-05-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-rate-cuts-in-the-next-two-months</loc>
        <lastmod>2019-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-mortgage-holders-likely-to-be-in-negative-equity--macquarie</loc>
        <lastmod>2019-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-large-a-deposit-should-firsthome-buyers-have-under-new-government-scheme</loc>
        <lastmod>2019-05-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/three-more-banks-join-the-ratecut-party</loc>
        <lastmod>2019-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/would-recent-jobless-rate-compel-rba-to-cut-rates</loc>
        <lastmod>2019-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-do-home-loans-impact-aussies-wellbeing</loc>
        <lastmod>2019-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/current-regulations-stifle-competition-amongst-lenders-study-finds</loc>
        <lastmod>2019-05-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-financing-nosedives-hit-sixyear-low</loc>
        <lastmod>2019-05-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/could-tax-rebates-keep-rba-from-cutting-rates</loc>
        <lastmod>2019-05-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-the-new-firsthome-buyer-scheme-raise-mortgage-rates</loc>
        <lastmod>2019-05-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-you-need-to-know-about-morrisons-firsthome-buyer-scheme</loc>
        <lastmod>2019-05-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/wa-urged-to-scrap-stamp-duty-amid-budget-surplus</loc>
        <lastmod>2019-05-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-market-could-shed-571bn-due-to-climate-change</loc>
        <lastmod>2019-05-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housingstress-risks-intensify-amongst-elderly-aussies</loc>
        <lastmod>2019-05-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-slashes-fixed-rates-catches-up-with-rivals</loc>
        <lastmod>2019-05-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/labors-affordability-policies-could-boost-government-coffers-by-10-8bn</loc>
        <lastmod>2019-05-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/noncapital-trumps-sydney-as-australias-most-expensive-city</loc>
        <lastmod>2019-05-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/could-the-worst-be-over-for-the-housing-market</loc>
        <lastmod>2019-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cut-would-pose-risks-to-savers</loc>
        <lastmod>2019-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeownership-becomes-a-distant-dream-for-younger-aussies</loc>
        <lastmod>2019-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/negative-gearing-changes-could-expose-investors-to-spruikers</loc>
        <lastmod>2019-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-urged-to-ease-serviceability-buffer-for-home-loans</loc>
        <lastmod>2019-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-it-still-a-good-idea-to-enter-geelongs-housing-market</loc>
        <lastmod>2019-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-rba-decided-not-to-push-through-with-a-rate-cut</loc>
        <lastmod>2019-05-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cut-not-the-only-solution-to-housing-crisis--hia</loc>
        <lastmod>2019-05-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-would-happen-if-rba-decides-to-cut-rates</loc>
        <lastmod>2019-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-taxes-still-soar-amid-housing-downturn</loc>
        <lastmod>2019-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/averageincome-earners-can-now-afford-these-sydney-and-melbourne-suburbs</loc>
        <lastmod>2019-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-its-crucial-for-lenders-to-pass-on-the-likely-rate-cut</loc>
        <lastmod>2019-05-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dwelling-approval-slump-turns-worse-than-expected</loc>
        <lastmod>2019-05-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/changes-to-tax-rules-spell-bad-news-for-housing--economists</loc>
        <lastmod>2019-05-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/credit-squeeze-eases-as-new-home-sales-stabilise</loc>
        <lastmod>2019-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/coliving-arrangements-becomes-a-trend-among-older-aussies</loc>
        <lastmod>2019-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/a-rate-cut-would-not-do-so-much-for-borrowers--nab</loc>
        <lastmod>2019-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sluggish-wage-growth-risks-more-homeloan-defaults--anz</loc>
        <lastmod>2019-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-downturn-continues-to-ease-in-april</loc>
        <lastmod>2019-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-cutting-cash-rates-would-be-concerning-for-australias-economy</loc>
        <lastmod>2019-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stricter-lending-rules-could-worsen-homeloan-arrears</loc>
        <lastmod>2019-05-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-finance-growth-still-stuck-in-the-doldrums-rba-data-show</loc>
        <lastmod>2019-05-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lowincome-earners-struggling-to-find-affordable-dwelling--study</loc>
        <lastmod>2019-05-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-amongst-the-most-propertyobsessed-globally--hsbc</loc>
        <lastmod>2019-04-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/group-demands-city-deal-for-perth-to-boost-infrastructure</loc>
        <lastmod>2019-04-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/retirees-could-bear-the-brunt-of-capital-gains-tax-changes</loc>
        <lastmod>2019-04-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/darwin-clocks-biggest-house-price-decline-from-market-peak</loc>
        <lastmod>2019-04-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-could-deter-possible-plans-of-a-rate-cut</loc>
        <lastmod>2019-04-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-might-cut-rates-four-times-this-year</loc>
        <lastmod>2019-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/online-bank-rivals-big-4s-fixedrate-cuts</loc>
        <lastmod>2019-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/would-negative-gearing-changes-be-a-big-win-for-firsthome-buyers</loc>
        <lastmod>2019-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-a-major-turnaround-in-melbournes-housing-market--experts</loc>
        <lastmod>2019-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-unveils-another-set-of-fixedrate-cuts</loc>
        <lastmod>2019-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-price-falls-are-slowing--what-could-this-mean</loc>
        <lastmod>2019-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-where-borrowers-get-the-best-refinancing-deals</loc>
        <lastmod>2019-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-borrowers-in-the-dark-about-homefinancing-terms--poll</loc>
        <lastmod>2019-04-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonmajor-joins-fixedrate-cut-trend</loc>
        <lastmod>2019-04-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-more-highrise-projects-to-commence</loc>
        <lastmod>2019-04-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-much-savings-on-interest-do-homeloan-refinancers-get</loc>
        <lastmod>2019-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tax-office-cautions-against-fraudulent-rental-reductions</loc>
        <lastmod>2019-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/group-calls-for-migration-policies-to-solve-perths-housing-supply-glut</loc>
        <lastmod>2019-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeloan-activity-slows-hits-5year-low</loc>
        <lastmod>2019-04-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/retirees-will-soon-struggle-to-own-a-home</loc>
        <lastmod>2019-04-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/check-out-these-50-affordable-and-liveable-adelaide-suburbs</loc>
        <lastmod>2019-04-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-inches-up-in-sydney</loc>
        <lastmod>2019-04-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/which-suburbs-are-currently-the-most-soughtafter-in-australia</loc>
        <lastmod>2019-04-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/two-lenders-cut-homeloan-fixed-rates</loc>
        <lastmod>2019-04-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-melbourne-lose-key-workers-due-to-worsening-home-affordability</loc>
        <lastmod>2019-04-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-braces-for-a-30-home-price-downturn</loc>
        <lastmod>2019-04-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homes-shed-values-as-aussies-wealth-deteriorates--roy-morgan</loc>
        <lastmod>2019-04-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/south-australians-most-confident-about-property-market--poll</loc>
        <lastmod>2019-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-jumps-aboard-fixedrate-cut-bandwagon</loc>
        <lastmod>2019-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/job-growth-gives-silver-lining-to-australias-housing-downturn--expert</loc>
        <lastmod>2019-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-unsure-of-need-to-cut-cash-rates</loc>
        <lastmod>2019-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homelessness-leaves-domestic-abuse-victims-more-vulnerable</loc>
        <lastmod>2019-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-to-lead-price-drops-this-year-moodys</loc>
        <lastmod>2019-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyer-lending-grows-boosts-total-household-financing</loc>
        <lastmod>2019-04-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reiwa-calls-labors-tax-proposals-reckless</loc>
        <lastmod>2019-04-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-trims-homeloan-fixed-rates</loc>
        <lastmod>2019-04-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-downturn-turns-worse-than-expected--imf</loc>
        <lastmod>2019-04-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/3-in-5-aussies-wont-be-able-to-cut-back-on-debts--ey-poll</loc>
        <lastmod>2019-04-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-5-cheap-suburbs-will-see-prices-soar-by-2022</loc>
        <lastmod>2019-04-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-drown-in-debt-despite-low-cash-rate--corelogic</loc>
        <lastmod>2019-04-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bank-unveils-valuation-tool-for-brokers</loc>
        <lastmod>2019-04-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-defaults-are-becoming-a-serious-problem-in-australia-experts-say</loc>
        <lastmod>2019-04-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/postbudget-how-house-prices-could-react</loc>
        <lastmod>2019-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/customerowned-bank-pilots-digital-mortgage-tool</loc>
        <lastmod>2019-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nixing-negative-gearing-could-spur-doomsday-scenario-for-australia--experts</loc>
        <lastmod>2019-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/income-tax-cuts-spur-hopes-for-housing-affordability</loc>
        <lastmod>2019-04-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/1-in-2-home-upgraders-willing-to-move-to-other-states-in-search-of-the-ideal-home</loc>
        <lastmod>2019-04-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-stays-frozen-but-experts-predict-it-melting-soon</loc>
        <lastmod>2019-04-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-a-perth-couple-gained-approval--while-switching-jobs</loc>
        <lastmod>2019-04-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hobart-dethroned-as-australias-most-affordable-capital-city</loc>
        <lastmod>2019-04-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/unexpected-dwelling-approval-growth-recorded-in-february</loc>
        <lastmod>2019-04-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-downturn-becomes-geographically-widespread-corelogic</loc>
        <lastmod>2019-04-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonmajor-banks-slash-fixed-homeloan-rates</loc>
        <lastmod>2019-04-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-stricter-rules-slowing-down-homeloan-approvals</loc>
        <lastmod>2019-04-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/here-are-the-best-suburbs-for-offtheplan-projects</loc>
        <lastmod>2019-04-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fewer-firsthome-buyers-tap-into-the-bank-of-mum-and-dad--poll</loc>
        <lastmod>2019-04-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-urged-not-to-rush-into-the-housing-market</loc>
        <lastmod>2019-04-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-odds-are-not-pointing-to-a-housing-crash</loc>
        <lastmod>2019-03-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/federal-political-parties-urged-to-include-housing-policies</loc>
        <lastmod>2019-03-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/here-are-the-best-regional-areas-for-firsthome-buyers</loc>
        <lastmod>2019-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/low-cash-rate-wont-boost-housing-market-experts-say</loc>
        <lastmod>2019-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rents-still-rise-despite-housing-downturn</loc>
        <lastmod>2019-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reiwa-demands-key-policy-commitments-to-improve-housing</loc>
        <lastmod>2019-03-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-borrowing-in-super-losing-its-lustre</loc>
        <lastmod>2019-03-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-activity-continues-to-trend-lower</loc>
        <lastmod>2019-03-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-hsbc-is-boosting-its-homeloanmarket-reach-in-australia</loc>
        <lastmod>2019-03-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-scraps-homeloan-referral-perks</loc>
        <lastmod>2019-03-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/labors-tax-changes-could-derail-homeownership-goals--analyst</loc>
        <lastmod>2019-03-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/disability-housing-market-struggles-to-find-financing</loc>
        <lastmod>2019-03-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-switch-to-p2p-lending-for-home-loans</loc>
        <lastmod>2019-03-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/loans-com-au-unveils-rate-cut-for-firsthome-buyer-loans</loc>
        <lastmod>2019-03-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-labors-negative-gearing-changes-only-worsen-the-housing-downturn</loc>
        <lastmod>2019-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussies-to-struggle-with-mortgage-repayments-moodys</loc>
        <lastmod>2019-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banning-commissions-is-the-best-option-for-brokers-and-borrowers-says-industry-figure</loc>
        <lastmod>2019-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-turn-to-customerowned-banks-for-home-loans</loc>
        <lastmod>2019-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-where-you-can-find-sub400k-homes-in-state-capitals</loc>
        <lastmod>2019-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/wa-borrowers-struggle-to-pay-mortgage-loans</loc>
        <lastmod>2019-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-market-clocks-largest-downturn-since-gfc</loc>
        <lastmod>2019-03-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-worries-aussie-borrowers-the-most</loc>
        <lastmod>2019-03-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-junks-bank-of-mum-and-dad-loans-smsf-residential-lending</loc>
        <lastmod>2019-03-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/unit-supply-glut-poses-risk-to-australias-economy</loc>
        <lastmod>2019-03-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-braces-for-steepest-downturn-since-gfc</loc>
        <lastmod>2019-03-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbournes-auction-market-outshines-sydneys</loc>
        <lastmod>2019-03-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-revives-interestonly-loans-for-investors</loc>
        <lastmod>2019-03-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-couples-need-to-talk-more-about-finances-westpac</loc>
        <lastmod>2019-03-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-cant-keep-up-with-surging-demand-for-social-housing--study</loc>
        <lastmod>2019-03-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-candidate-vows-to-get-rid-of-stamp-duties</loc>
        <lastmod>2019-03-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-homes-set-to-rise-in-central-coast</loc>
        <lastmod>2019-03-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lending-slump-weakens-homebuilding-market</loc>
        <lastmod>2019-03-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-cities-still-amongst-best-luxury-home-markets</loc>
        <lastmod>2019-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/some-economists-dont-think-rba-will-cut-rates--heres-why</loc>
        <lastmod>2019-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-rate-cuts-will-be-futile-in-boosting-the-housing-market</loc>
        <lastmod>2019-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-junks-plan-to-ban-commissions</loc>
        <lastmod>2019-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-depend-on-interestrate-changes-not-on-supply-and-demand--rba-study</loc>
        <lastmod>2019-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-reprices-its-fixedrate-home-loans</loc>
        <lastmod>2019-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/its-getting-harder-to-pay-a-mortgage-in-western-australia</loc>
        <lastmod>2019-03-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/super-fund-allows-members-to-invest-in-properties</loc>
        <lastmod>2019-03-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/land-values-rise-despite-muted-demand</loc>
        <lastmod>2019-03-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cut-wont-mean-lower-mortgage-rates--ubs-analyst</loc>
        <lastmod>2019-03-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lender-woos-firsthome-buyers-with-lifestyle-rewards</loc>
        <lastmod>2019-03-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-markets-are-bucking-sydneys-housing-downtrend</loc>
        <lastmod>2019-03-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-slump-takes-toll-on-australias-economy</loc>
        <lastmod>2019-03-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-manufacturedhome-estates-still-a-good-option-for-aussie-retirees</loc>
        <lastmod>2019-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tmb-unveils-rate-cuts-for-new-borrowers</loc>
        <lastmod>2019-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-still-a-pressing-concern-despite-downturn</loc>
        <lastmod>2019-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fintech-unveils-mortgage-under-3-5</loc>
        <lastmod>2019-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-more-satisfied-with-banks-than-brokers--study</loc>
        <lastmod>2019-03-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/no-surprises-with-rbas-move-to-hold-interest-rates</loc>
        <lastmod>2019-03-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/regional-sellers-happier-with-sale-prices</loc>
        <lastmod>2019-03-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-housing-downturn-is-not-all-bad-news</loc>
        <lastmod>2019-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-buildings-got-the-green-light-in-january</loc>
        <lastmod>2019-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bendigo-bank-unveils-instant-home-loan-service</loc>
        <lastmod>2019-03-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/darwin-perth-lead-houseprice-slide-in-february</loc>
        <lastmod>2019-03-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/labors-plan-to-junk-middle-housing-code-slammed</loc>
        <lastmod>2019-03-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/weak-homeloan-demand-dampens-australias-credit-growth</loc>
        <lastmod>2019-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/credit-reports-will-now-include-mortgage-payments-to-big-banks</loc>
        <lastmod>2019-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-more-discounted-houses-as-buyers-continue-to-retreat</loc>
        <lastmod>2019-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/residential-building-activity-poised-to-slow</loc>
        <lastmod>2019-02-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investors-wont-invest-under-labors-proposed-changes--poll</loc>
        <lastmod>2019-02-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/wa-urged-to-extend-firsthome-owner-grant-to-established-homes</loc>
        <lastmod>2019-02-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-urged-to-loosen-lending-rules-to-buoy-housing-market</loc>
        <lastmod>2019-02-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-aussies-delaying-their-travel-plans-after-buying-a-home</loc>
        <lastmod>2019-02-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-firsthome-buyers-starting-to-back-away-from-the-market</loc>
        <lastmod>2019-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rezoning-of-adelaide-schools-may-affect-suburb-home-prices</loc>
        <lastmod>2019-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-listings-soar-to-new-heights</loc>
        <lastmod>2019-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-theres-nothing-to-fret-about-the-housing-downturn</loc>
        <lastmod>2019-02-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-fixedrate-broker-commissions-work</loc>
        <lastmod>2019-02-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-arrears-hit-highest-level-since-1996</loc>
        <lastmod>2019-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-faces-classaction-suit-over-irresponsible-lending</loc>
        <lastmod>2019-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/group-kickstarts-1bn-project-to-build-homes-for-people-with-disabilities</loc>
        <lastmod>2019-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/foreign-buyers-could-soon-overrun-australias-housing-market</loc>
        <lastmod>2019-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-what-buyers-are-looking-for-in-a-western-australia-suburb</loc>
        <lastmod>2019-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tax-policies-burden-nsw-housing-industry-expert-says</loc>
        <lastmod>2019-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-plans-ramping-up-investor-lending</loc>
        <lastmod>2019-02-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/as-markets-cut-interest-rates-expect-rba-to-follow-suit</loc>
        <lastmod>2019-02-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dwelling-approvals-rise-in-central-coast</loc>
        <lastmod>2019-02-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/foreign-buyers-are-ditching-australias-housing-market</loc>
        <lastmod>2019-02-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/changes-to-broker-pay-may-hinder-growth-of-lending-industry</loc>
        <lastmod>2019-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonbank-pledges-support-for-brokers-amid-debate-on-commissions</loc>
        <lastmod>2019-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-decline-in-lending-is-not-due-to-fewer-mortgage-applications</loc>
        <lastmod>2019-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suburbs-are-losing-their-milliondollar-status-due-to-downturn</loc>
        <lastmod>2019-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victoria-eyes-rezoning-land-to-create-12-new-suburbs</loc>
        <lastmod>2019-02-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-what-western-australia-can-do-to-boost-housing-affordability</loc>
        <lastmod>2019-02-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/regulator-orders-banks-to-bolster-lending-rules</loc>
        <lastmod>2019-02-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cut-expectations-boost-aussies-confidence</loc>
        <lastmod>2019-02-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rentvestors-on-the-rise-in-sydney-melbourne</loc>
        <lastmod>2019-02-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/labors-negative-gearing-policies-could-hurt-firsthome-buyers</loc>
        <lastmod>2019-02-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/five-housing-market-matters-nsw-candidates-should-get-serious-about</loc>
        <lastmod>2019-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-lending-continues-to-tumble</loc>
        <lastmod>2019-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-larger-price-declines-ahead-as-lending-slumps</loc>
        <lastmod>2019-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-likely-are-interest-rates-to-rise-postroyal-commission</loc>
        <lastmod>2019-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-macquarie-slash-fixed-rates-to-woo-new-customers</loc>
        <lastmod>2019-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/meet-mia-ubank-unveils-digital-home-loan-assistant</loc>
        <lastmod>2019-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/adelaide-boasts-resiliency-bucks-housing-downturn</loc>
        <lastmod>2019-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-flags-uncertainty-in-australias-housing-market</loc>
        <lastmod>2019-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-labors-affordable-housing-policy-seems-impractical</loc>
        <lastmod>2019-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-changes-to-broker-pay-benefit-borrowers</loc>
        <lastmod>2019-02-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/this-is-what-a-30m-melbourne-penthouse-looks-like</loc>
        <lastmod>2019-02-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-4-lenders-brace-for-more-scrutiny</loc>
        <lastmod>2019-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-financially-comfortable-despite-housing-downturn</loc>
        <lastmod>2019-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loans-get-harder-postroyal-commission</loc>
        <lastmod>2019-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-theres-no-reason-to-fear-the-downturn-in-melbourne</loc>
        <lastmod>2019-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-still-steadfast-with-ratehike-expectations</loc>
        <lastmod>2019-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/recent-property-listing-data-spur-concerns</loc>
        <lastmod>2019-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-the-conclusion-of-the-royal-commission-saga-a-big-win-for-borrowers</loc>
        <lastmod>2019-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/building-approvals-hit-5year-low</loc>
        <lastmod>2019-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-supply-and-demand-are-the-ultimate-indicators-of-housing-affordability</loc>
        <lastmod>2019-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/shock-mortgage-changes-out-of-royal-commission</loc>
        <lastmod>2019-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-home-prices-sink-further-in-january</loc>
        <lastmod>2019-02-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-housing-investors-are-still-optimistic-despite-the-downturn</loc>
        <lastmod>2019-02-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-a-feeforservice-model-for-brokers-sit-well-with-aussie-borrowers</loc>
        <lastmod>2019-02-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/experts-weigh-in-on-rbas-likely-cashrate-decision</loc>
        <lastmod>2019-02-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/govtbacked-nhfic-issues-35m-loan-to-support-housing-affordability</loc>
        <lastmod>2019-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/doom-and-gloom-for-property-market--fact-or-fiction</loc>
        <lastmod>2019-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ing-hikes-interest-rates---again</loc>
        <lastmod>2019-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-the-royal-commissions-report-trigger-the-worst-housing-downturn</loc>
        <lastmod>2019-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-cutting-rates-might-not-be-an-option-for-rba</loc>
        <lastmod>2019-01-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brace-for-deeper-price-cuts-in-nsw-and-victoria</loc>
        <lastmod>2019-01-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-do-the-latest-consumer-prices-say-about-the-housing-market</loc>
        <lastmod>2019-01-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-are-becoming-wiser-home-loan-borrowers</loc>
        <lastmod>2019-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/three-regional-centres-remain-was-brightest-spots</loc>
        <lastmod>2019-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/1-in-3-aussies-eyes-upsizing-or-downsizing-their-homes</loc>
        <lastmod>2019-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downturn-starts-to-take-toll-on-new-home-building</loc>
        <lastmod>2019-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-more-delinquent-home-loans-this-year</loc>
        <lastmod>2019-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-its-high-time-for-firsthome-buyers-to-buy-a-home-in-darwin</loc>
        <lastmod>2019-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-this-development-is-helping-homeowners-save-on-electricity-bills</loc>
        <lastmod>2019-01-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/this-nsw-suburb-is-selling-homes-like-hotcakes</loc>
        <lastmod>2019-01-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-westpac-thinks-rba-will-hold-cash-rate-until-2020</loc>
        <lastmod>2019-01-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/building-boom-sparks-hope-for-housing-affordability</loc>
        <lastmod>2019-01-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/looking-for-growth-areas-in-melbourne-these-suburbs-are-bucking-the-downturn</loc>
        <lastmod>2019-01-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-predictions-for-the-economy-and-property-in-2019</loc>
        <lastmod>2019-01-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-succumbs-to-funding-costs-raises-variable-interest-rates</loc>
        <lastmod>2019-01-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-has-the-market-done-an-aboutturn-on-rbas-cash-rate</loc>
        <lastmod>2019-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/5-aussie-capital-cities-severely-unaffordable-for-homebuyers--poll</loc>
        <lastmod>2019-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeloan-rejections-still-on-the-rise</loc>
        <lastmod>2019-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-changing-negative-gearing-rules-only-make-matters-worse-for-firsthome-buyers</loc>
        <lastmod>2019-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-downturn-spells-trouble-for-jobs-market-this-year</loc>
        <lastmod>2019-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/4-in-5-borrowers-lose-over-18000-in-savings-from-home-loans</loc>
        <lastmod>2019-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-china-might-compel-rba-to-cut-rates</loc>
        <lastmod>2019-01-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/clearance-rates-drop-as-more-homes-go-on-auction</loc>
        <lastmod>2019-01-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tougher-lending-rules-dampened-home-sales-in-2018</loc>
        <lastmod>2019-01-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-commitments-continue-to-shrink</loc>
        <lastmod>2019-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/calls-for-a-rate-cut-intensify</loc>
        <lastmod>2019-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-makes-queensland-a-perfect-spot-for-capital-growth</loc>
        <lastmod>2019-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/citi-unveils-one-of-industrys-biggest-homeloan-rate-cuts</loc>
        <lastmod>2019-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/this-historic-italian-town-sells-homes-for-a-little-over-1</loc>
        <lastmod>2019-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-10-perth-suburbs-bucked-the-housing-downtrend-in-2018</loc>
        <lastmod>2019-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-to-remain-worlds-worstperforming-housing-market-this-year--report</loc>
        <lastmod>2019-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nbas-ubank-hikes-interestonly-rates-as-funding-pressures-persist</loc>
        <lastmod>2019-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-starts-fizzled-at-the-end-of-2018</loc>
        <lastmod>2019-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-bad-will-the-housing-downturn-turn-out-this-year</loc>
        <lastmod>2019-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/global-uncertainties-taint-cashrate-outlook</loc>
        <lastmod>2019-01-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australians-are-using-credit-cards-less</loc>
        <lastmod>2019-01-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-blame-migrants-for-skyrocketing-house-prices</loc>
        <lastmod>2019-01-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-melbourne-could-see-housing-recovery-earlier-than-sydney</loc>
        <lastmod>2019-01-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/credit-crunch-looms-over-interestonly-borrowers</loc>
        <lastmod>2019-01-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-cut-saver-rates-as-borrowing-costs-rise</loc>
        <lastmod>2019-01-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-approvals-sink-to-5year-low</loc>
        <lastmod>2019-01-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-records-growing-number-of-homes-resold-at-a-loss</loc>
        <lastmod>2019-01-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-still-burdened-with-high-debt</loc>
        <lastmod>2019-01-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-sydney-regions-offer-the-best-deals-for-upsizers</loc>
        <lastmod>2019-01-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cbaowned-bankwest-cuts-mortgage-rates</loc>
        <lastmod>2019-01-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fewer-house-listings-recorded-in-december</loc>
        <lastmod>2019-01-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-hobart-suburbs-still-dominate-fastestselling-list-this-year</loc>
        <lastmod>2019-01-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-some-say-turning-the-debt-taps-back-on-is-irresponsible</loc>
        <lastmod>2019-01-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/do-high-rental-yields-always-translate-to-high-returns</loc>
        <lastmod>2019-01-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/watch-out-for-these-4-housing-market-scenarios-this-year</loc>
        <lastmod>2019-01-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/when-will-the-next-rate-hike-be</loc>
        <lastmod>2019-01-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-clocks-fastest-value-decline-in-a-decade</loc>
        <lastmod>2019-01-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-market-ends-the-year-on-a-sour-note</loc>
        <lastmod>2018-12-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/year-in-review-house-prices-accelerate-as-lending-rules-remain-tight</loc>
        <lastmod>2018-12-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-the-great-australian-dream-a-thing-of-the-past</loc>
        <lastmod>2018-12-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-platform-improves-borrower-experience</loc>
        <lastmod>2018-12-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/asic-warns-consumers-of-banking-scam</loc>
        <lastmod>2018-12-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-5-suburbs-are-set-to-witness-growth-in-2019</loc>
        <lastmod>2018-12-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-housing-downturn-makes-rba-anxious</loc>
        <lastmod>2018-12-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-to-lift-curbs-on-interestonly-loans</loc>
        <lastmod>2018-12-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-rate-hike-could-be-rbas-biggest-dilemma</loc>
        <lastmod>2018-12-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/strict-lending-rules-dampen-land-sales-in-seq</loc>
        <lastmod>2018-12-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-to-become-nsw-governments-banking-provider</loc>
        <lastmod>2018-12-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/longterm-funding-still-uncertain-for-was-remote-housing</loc>
        <lastmod>2018-12-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-regions-recorded-the-biggest-drops-in-home-values</loc>
        <lastmod>2018-12-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-the-boost-to-keystart-scheme-improve-wa-housing-affordability</loc>
        <lastmod>2018-12-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-still-a-top-choice-for-wealthy-homebuyers-globally</loc>
        <lastmod>2018-12-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-values-hit-lowest-level-since-2011</loc>
        <lastmod>2018-12-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/christmas-season-brings-homeowners-mortgage-jitters</loc>
        <lastmod>2018-12-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-the-housing-downturn-to-persist-analyst-warns</loc>
        <lastmod>2018-12-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-delays-ratehike-projections</loc>
        <lastmod>2018-12-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-sees-deepest-cut-in-new-lending-since-2010</loc>
        <lastmod>2018-12-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeloan-demand-rebounds</loc>
        <lastmod>2018-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-market-sheds-over-70bn-in-value</loc>
        <lastmod>2018-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-hikes-cost-homebuyers-850-annually</loc>
        <lastmod>2018-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-suburbs-have-the-most-affordable-homes-in-australia</loc>
        <lastmod>2018-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tight-lending-rules-weigh-down-auction-clearance-rates</loc>
        <lastmod>2018-12-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mcgowan-government-earmarks-421m-to-assist-prospective-homeowners</loc>
        <lastmod>2018-12-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/odds-still-point-to-interestrate-hike-rba-official-says</loc>
        <lastmod>2018-12-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-the-housing-market-nosedive-to-a-hard-landing</loc>
        <lastmod>2018-12-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-moving-to-melbournes-bridesmaid-suburbs-is-a-good-idea</loc>
        <lastmod>2018-12-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-backs-down-on-possible-interestrate-hike</loc>
        <lastmod>2018-12-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-buyers-and-renters-are-going-west</loc>
        <lastmod>2018-12-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/construction-activity-crumbles-as-housing-downturn-takes-toll</loc>
        <lastmod>2018-12-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpacbacked-startup-to-help-banks-assess-loan-applications</loc>
        <lastmod>2018-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-fall-into-a-negative-equity-trap-amid-housing-downturn</loc>
        <lastmod>2018-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-see-improved-housing-and-rental-affordability</loc>
        <lastmod>2018-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-is-drowning-in-homes</loc>
        <lastmod>2018-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-downturn-poised-to-weaken-consumer-spending</loc>
        <lastmod>2018-12-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rentvesting-gains-traction-amongst-firsthome-buyers</loc>
        <lastmod>2018-12-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-projects-rba-cash-rate-to-thread-lower</loc>
        <lastmod>2018-12-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victoriabased-bank-launches-loan-agreement-between-parents-and-children</loc>
        <lastmod>2018-12-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-makes-a-suburb-buck-the-housing-downtrend</loc>
        <lastmod>2018-12-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/recent-buyers-are-becoming-anxious-about-home-price-changes</loc>
        <lastmod>2018-12-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/credit-squeeze-hampers-new-home-approvals</loc>
        <lastmod>2018-12-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-case-of-the-longstanding-cash-rate-of-1-5</loc>
        <lastmod>2018-12-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interestonly-loans-become-a-ticking-time-bomb</loc>
        <lastmod>2018-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-forces-aussies-to-live-in-share-houses</loc>
        <lastmod>2018-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-median-house-price-continues-to-increase</loc>
        <lastmod>2018-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-housing-downturn-slowly-inches-to-worst-level</loc>
        <lastmod>2018-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-regional-markets-are-bucking-the-housing-downtrend</loc>
        <lastmod>2018-12-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-food-delivery-could-derail-home-loan-applications</loc>
        <lastmod>2018-12-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-see-interestonly-loans-in-bad-light</loc>
        <lastmod>2018-12-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-rents-still-unaffordable-to-many</loc>
        <lastmod>2018-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victoria-leads-the-auction-market-this-week</loc>
        <lastmod>2018-11-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/renters-to-bear-the-brunt-of-negativegearing-reforms</loc>
        <lastmod>2018-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/looking-to-settle-in-brisbane-check-out-these-suburbs</loc>
        <lastmod>2018-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/newhome-building-rises-above-credit-crunch</loc>
        <lastmod>2018-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-prices-still-far-from-being-affordable-despite-downturn</loc>
        <lastmod>2018-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-to-expect-from-western-australia-in-2019</loc>
        <lastmod>2018-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2-in-5-australians-dont-care-about-rbas-cash-rate</loc>
        <lastmod>2018-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/owners-with-expensive-homes-least-happy-when-selling</loc>
        <lastmod>2018-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-says-the-market-can-expect-further-price-slump</loc>
        <lastmod>2018-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-are-cutting-rates-amid-weak-credit-remand</loc>
        <lastmod>2018-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-its-high-time-to-revise-australias-negative-gearing-policies</loc>
        <lastmod>2018-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australians-homes-are-shrinking</loc>
        <lastmod>2018-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-how-to-get-a-bargain-home-price-this-holiday-season</loc>
        <lastmod>2018-11-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-under-fire-from-asic-over-home-loan-fraud</loc>
        <lastmod>2018-11-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hsbc-anticipates-further-decline-in-home-values</loc>
        <lastmod>2018-11-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tight-lending-market-dampens-number-of-home-starts</loc>
        <lastmod>2018-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-now-thinks-stricter-borrowing-rules-could-hamper-economy</loc>
        <lastmod>2018-11-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-bank-loyalty-might-not-get-you-far-in-the-housingmarket-game</loc>
        <lastmod>2018-11-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-suburbs-are-reeling-from-high-levels-of-mortgage-stress</loc>
        <lastmod>2018-11-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bendigo-embraces-fintech-to-offer-instant-home-loans</loc>
        <lastmod>2018-11-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-could-be-discouraging-australians-from-taking-out-a-home-loan</loc>
        <lastmod>2018-11-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-still-hold-on-to-fixedrate-loans</loc>
        <lastmod>2018-11-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/strong-wage-growth-to-boost-housing-affordability-in-canberra</loc>
        <lastmod>2018-11-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interestonly-loans-crackdown-abates-housingmarket-risks</loc>
        <lastmod>2018-11-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/labors-negative-gearing-overhaul-to-prolong-housing-downturn</loc>
        <lastmod>2018-11-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-than-700000-homes-needed-to-meet-social-housing-demand</loc>
        <lastmod>2018-11-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-one-loophole-in-australias-auction-market</loc>
        <lastmod>2018-11-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/looking-for-sydneys-most-luxurious-suburbs-try-these-areas</loc>
        <lastmod>2018-11-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lower-prices-boost-firsttime-buyers-confidence-in-owning-a-home</loc>
        <lastmod>2018-11-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-rba-might-consider-cutting-the-rates-further</loc>
        <lastmod>2018-11-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-still-priced-out-of-the-market-despite-downturn</loc>
        <lastmod>2018-11-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-values-to-slump-by-30-in-a-doomsday-forecast</loc>
        <lastmod>2018-11-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-wage-growth-move-the-needle-for-rba-to-raise-rates</loc>
        <lastmod>2018-11-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tasmania-firsttime-buyers-benefit-from-baby-boomers-splurge</loc>
        <lastmod>2018-11-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/winter-blues-dampen-south-australia-home-sales</loc>
        <lastmod>2018-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-negative-gearing-reforms-worsen-the-housing-downturn</loc>
        <lastmod>2018-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-listings-play-a-huge-part-in-supporting-home-prices</loc>
        <lastmod>2018-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/delinquent-mortgages-to-hit-higher-levels</loc>
        <lastmod>2018-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-buyers-are-finding-solace-in-hobart-housing-market</loc>
        <lastmod>2018-11-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-moving-up-north-makes-sense-for-priced-out-first-home-buyers</loc>
        <lastmod>2018-11-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lower-housing-loans-suggest-a-slowdown-in-the-market</loc>
        <lastmod>2018-11-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/could-rba-be-feigning-ignorance-of-an-imminent-housing-market-crash</loc>
        <lastmod>2018-11-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-market-attracts-more-buyers</loc>
        <lastmod>2018-11-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-housing-downturn-shows-no-signs-of-abating</loc>
        <lastmod>2018-11-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-likely-will-aussie-homeowners-face-negative-equity-amid-downturn</loc>
        <lastmod>2018-11-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-perth-can-solve-its-urban-sprawl-problem</loc>
        <lastmod>2018-11-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-show-telltale-signs-of-surging-mortgage-delinquencies</loc>
        <lastmod>2018-11-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-borrowers-need-guidance-on-home-lending-shifts</loc>
        <lastmod>2018-11-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-keeps-cash-rate-chilled-at-1-5</loc>
        <lastmod>2018-11-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/low-interest-rates-continue-to-support-adelaide-price-growth</loc>
        <lastmod>2018-11-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/national-australia-bank-cuts-discount-mortgage-rates-for-new-borrowers</loc>
        <lastmod>2018-11-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brisbanes-oversupply-market-to-benefit-home-seekers</loc>
        <lastmod>2018-11-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-ageing-millennials-will-influence-australias-housing-market</loc>
        <lastmod>2018-11-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/weak-clearance-rates-signal-further-price-declines</loc>
        <lastmod>2018-11-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rules-curtail-credit-growth-in-australia</loc>
        <lastmod>2018-11-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-home-market-sees-gains-in-october</loc>
        <lastmod>2018-11-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-downturn-becoming-contagious</loc>
        <lastmod>2018-11-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interestonly-borrowers-are-starting-to-switch</loc>
        <lastmod>2018-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-home-prices-still-stuck-in-the-doldrums</loc>
        <lastmod>2018-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-sees-losses-due-to-compliance-expenses</loc>
        <lastmod>2018-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/finance-constraints-take-toll-on-building-approvals</loc>
        <lastmod>2018-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-buyers-can-take-advantage-of-the-new-credit-score-system</loc>
        <lastmod>2018-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-holders-observed-to-have-financial-literacy-problems</loc>
        <lastmod>2018-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/prime-markets-remain-resistant-to-housing-cooldown</loc>
        <lastmod>2018-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-home-values-witness-impressive-gains-amid-downturn</loc>
        <lastmod>2018-10-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dwelling-approvals-trend-lower-in-september</loc>
        <lastmod>2018-10-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/high-debt-levels-and-sinking-home-prices-spell-trouble-for-australia</loc>
        <lastmod>2018-10-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/does-the-low-auction-turnout-signal-a-housing-problem</loc>
        <lastmod>2018-10-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-will-the-downturn-impact-homebuyers-mentality</loc>
        <lastmod>2018-10-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amps-loan-book-loses-millions</loc>
        <lastmod>2018-10-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-could-blockchain-do-for-australias-housing-market</loc>
        <lastmod>2018-10-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/falling-property-prices-pile-pressure-on-delinquent-loans</loc>
        <lastmod>2018-10-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/residential-building-downturn-to-curtail-home-supply</loc>
        <lastmod>2018-10-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/declining-property-prices-a-boon-for-first-home-buyers</loc>
        <lastmod>2018-10-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-buyers-run-to-nonbank-lenders-for-home-loans</loc>
        <lastmod>2018-10-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-suburbs-are-struggling-to-sell-homes</loc>
        <lastmod>2018-10-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/residential-land-market-prices-drop</loc>
        <lastmod>2018-10-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/boosting-capital-gains-tax-could-burden-first-home-buyers</loc>
        <lastmod>2018-10-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-holders-likely-to-prioritize-holidays-over-payments</loc>
        <lastmod>2018-10-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/capital-cities-are-shedding-1000-in-home-values-weekly</loc>
        <lastmod>2018-10-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-fours-customer-satisfaction-drops-due-to-the-royal-commission</loc>
        <lastmod>2018-10-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-records-weakest-auction-weekend-in-a-decade</loc>
        <lastmod>2018-10-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-seek-brokers-help-to-navigate-the-home-loan-market</loc>
        <lastmod>2018-10-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hsbc-slashes-home-loan-rates-for-new-customers</loc>
        <lastmod>2018-10-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-still-troubled-by-housing-costs-despite-market-downturn</loc>
        <lastmod>2018-10-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/no-reason-for-rba-to-cut-interest-rate-down</loc>
        <lastmod>2018-10-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-home-loan-market-gets-shot-in-the-arm-from-us-private-equity</loc>
        <lastmod>2018-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/number-of-first-home-buyers-hits-sixyear-high</loc>
        <lastmod>2018-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-could-cause-a-20-home-price-decline-in-sydney-melbourne</loc>
        <lastmod>2018-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-find-sub500k-homes-in-aussie-capital-cities</loc>
        <lastmod>2018-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/pandi-switch-makes-senior-aussies-twitch</loc>
        <lastmod>2018-10-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/darwin-still-seeing-healthy-housing-demand</loc>
        <lastmod>2018-10-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-advance-payments-in-fear-of-longterm-mortgage-debt</loc>
        <lastmod>2018-10-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tighter-lending-standards-could-trigger-a-domino-effect-on-prices</loc>
        <lastmod>2018-10-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/young-families-flock-to-coastal-areas-in-search-of-homes</loc>
        <lastmod>2018-10-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-affordability-slowly-being-restored-in-australia</loc>
        <lastmod>2018-10-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investor-loans-shrink-in-most-australian-housing-markets</loc>
        <lastmod>2018-10-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-warns-of-stricter-lending-rules-as-banks-reel-under-pressure</loc>
        <lastmod>2018-10-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/drop-in-home-prices-threatens-homeowners-equity</loc>
        <lastmod>2018-10-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sudden-rate-hike-could-spook-aussie-households</loc>
        <lastmod>2018-10-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-names-new-cfo</loc>
        <lastmod>2018-10-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/no-end-in-sight-for-australias-housing-market-downturn</loc>
        <lastmod>2018-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tasmania-dwelling-commencements-lead-australia</loc>
        <lastmod>2018-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/it-appears-the-investor-boom-has-finally-run-its-course</loc>
        <lastmod>2018-10-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-housing-market-correction-to-persist-says-nab</loc>
        <lastmod>2018-10-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-turn-to-perth-for-more-affordable-homes</loc>
        <lastmod>2018-10-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/searching-for-a-new-home-consider-these-ten-popular-suburbs</loc>
        <lastmod>2018-10-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-theres-nothing-to-fear-about-the-current-housing-downturn</loc>
        <lastmod>2018-10-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fast-rail-projects-to-boost-prices-in-regional-housing-markets</loc>
        <lastmod>2018-10-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-what-investors-should-do-to-prepare-for-a-rate-hike</loc>
        <lastmod>2018-10-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-take-steps-to-end-fraudulent-mischarging-bad-practices</loc>
        <lastmod>2018-10-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-homeownership-can-ease-aussies-financial-worries</loc>
        <lastmod>2018-10-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-market-picks-up-as-sales-activity-trends-higher</loc>
        <lastmod>2018-10-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-becomes-the-worstperforming-housing-market</loc>
        <lastmod>2018-10-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-national-settlement-plan-wont-solve-affordability-woes</loc>
        <lastmod>2018-10-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/calls-for-fairer-reverse-mortgage-sector-intensify</loc>
        <lastmod>2018-10-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/could-a-negative-gearing-overhaul-help-first-time-buyers</loc>
        <lastmod>2018-10-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-increase-up-in-the-air-as-rba-keeps-eyes-on-economy</loc>
        <lastmod>2018-10-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-building-sales-decline-in-face-of-slumping-market</loc>
        <lastmod>2018-10-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brace-for-another-round-of-mortgage-rate-hikes</loc>
        <lastmod>2018-10-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/higher-mortgage-rates-to-dent-aussies-budgets</loc>
        <lastmod>2018-10-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-are-the-risks-of-buying-offtheplan-units</loc>
        <lastmod>2018-10-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-market-on-the-road-to-recovery</loc>
        <lastmod>2018-10-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-might-still-be-taking-advantage-of-borrowers</loc>
        <lastmod>2018-10-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cheaper-house-prices-push-construction-home-approvals-lower</loc>
        <lastmod>2018-10-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/toptier-markets-record-biggest-price-drops</loc>
        <lastmod>2018-10-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interest-rates-still-at-1-5-despite-falling-home-prices</loc>
        <lastmod>2018-10-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/weak-housing-prices-dont-need-to-bring-worry</loc>
        <lastmod>2018-10-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bandaid-solutions-wont-solve-housing-affordability-woes-expert-says</loc>
        <lastmod>2018-10-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-parents-postponing-retirement-to-help-children-buy-homes</loc>
        <lastmod>2018-10-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-sydney-buyers-tend-to-let-perfect-homes-slide</loc>
        <lastmod>2018-10-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-urged-to-prepare-for-rate-hikes</loc>
        <lastmod>2018-10-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-being-highly-overvalued-is-better-for-sydneys-home-market</loc>
        <lastmod>2018-10-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bluestone-and-mortgage-choice-partnership-widens-home-loan-options-for-aussies</loc>
        <lastmod>2018-10-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hobart-house-the-fastestselling-properties-in-australia</loc>
        <lastmod>2018-09-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-rate-hikes-will-drag-prices-down-next-year</loc>
        <lastmod>2018-09-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australians-are-becoming-frustrated-with-home-loan-applications</loc>
        <lastmod>2018-09-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-regains-appeal-for-first-home-buyers</loc>
        <lastmod>2018-09-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rising-mortgage-stress-is-taking-its-toll</loc>
        <lastmod>2018-09-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-continue-to-ditch-smsf-lending</loc>
        <lastmod>2018-09-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lending-restrictions-will-only-aggravate-the-housing-downturn</loc>
        <lastmod>2018-09-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-four-under-fire-for-slow-response-to-wrongdoing</loc>
        <lastmod>2018-09-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-australia-can-improve-its-reverse-mortgage-program</loc>
        <lastmod>2018-09-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-australians-fear-the-projected-housing-slump</loc>
        <lastmod>2018-09-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/restricted-lending-can-hurt-economic-conditions</loc>
        <lastmod>2018-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-beginning-to-prefer-customerowned-banks</loc>
        <lastmod>2018-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downsizers-are-flocking-to-regional-new-south-wales</loc>
        <lastmod>2018-09-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-delinquencies-on-the-rise-this-year</loc>
        <lastmod>2018-09-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/another-aussie-bank-has-raised-mortgage-rates</loc>
        <lastmod>2018-09-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/make-your-property-springready-with-these-tips</loc>
        <lastmod>2018-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/do-borrowers-still-trust-mortgage-brokers</loc>
        <lastmod>2018-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-home-prices-set-to-drop-even-lower</loc>
        <lastmod>2018-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-trimming-down-interestonly-loan-approvals</loc>
        <lastmod>2018-09-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/residential-property-prices-dropped-0-7-in-june</loc>
        <lastmod>2018-09-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-see-melbournes-southwest-as-a-new-property-hotspot</loc>
        <lastmod>2018-09-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-and-melbourne-clock-second-week-of-price-slump</loc>
        <lastmod>2018-09-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-home-prices-have-risen-over-100-since-2009</loc>
        <lastmod>2018-09-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-housing-market-among-worlds-riskiest-study-finds</loc>
        <lastmod>2018-09-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-seen-to-abandon-variable-rate-home-loans-soon</loc>
        <lastmod>2018-09-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/spring-auction-market-still-reeling-from-dry-spell</loc>
        <lastmod>2018-09-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/taking-advantage-of-the-spring-market</loc>
        <lastmod>2018-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/this-brisbane-property-group-is-helping-buyers-enter-the-housing-market</loc>
        <lastmod>2018-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonbank-lender-set-to-rescue-neglected-borrowers</loc>
        <lastmod>2018-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-flags-risks-of-skyrocketing-debt</loc>
        <lastmod>2018-09-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-the-housing-downturn-is-drying-government-coffers</loc>
        <lastmod>2018-09-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-tops-aussie-youth-priorities-study-shows</loc>
        <lastmod>2018-09-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-rate-hikes-are-making-aussie-households-gloomy</loc>
        <lastmod>2018-09-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perths-market-slightly-chills</loc>
        <lastmod>2018-09-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-it-might-be-the-right-time-to-buy</loc>
        <lastmod>2018-09-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loans-slowly-perk-up-in-july</loc>
        <lastmod>2018-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/one-secret-to-avoid-housing-stress-in-australia</loc>
        <lastmod>2018-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-borrowers-brace-for-more-mortgage-rate-hikes</loc>
        <lastmod>2018-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/good-news-for-new-buyers-investor-lending-continues-to-slump</loc>
        <lastmod>2018-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hsbc-expands-mortgage-broking-network</loc>
        <lastmod>2018-09-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/in-search-of-a-lucrative-property-investment-in-sydney-try-the-southeast-side</loc>
        <lastmod>2018-09-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/unit-is-still-king-in-the-auction-market</loc>
        <lastmod>2018-09-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-refuses-to-change-its-mortgage-rates</loc>
        <lastmod>2018-09-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/time-to-see-regional-new-south-wales-in-a-new-light</loc>
        <lastmod>2018-09-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-higher-mortgage-rates-prolong-housing-market-slowdown</loc>
        <lastmod>2018-09-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-its-hard-for-aussies-to-afford-family-units-in-melbourne</loc>
        <lastmod>2018-09-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-anz-hike-mortgage-rates</loc>
        <lastmod>2018-09-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/its-still-cheaper-to-rent-than-own-a-home-study-finds</loc>
        <lastmod>2018-09-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lender-to-explore-use-of-ai-in-risk-assessment</loc>
        <lastmod>2018-09-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-construction-boom-boosts-australias-economy</loc>
        <lastmod>2018-09-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-it-makes-sense-for-rba-to-slash-rates-in-its-next-move</loc>
        <lastmod>2018-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-worsens-in-june-quarter</loc>
        <lastmod>2018-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-worst-is-yet-to-come-for-australias-housing-market-experts-warn</loc>
        <lastmod>2018-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/throwback-thursday-preference-for-townhomes-reemerges-amongst-first-homebuyers</loc>
        <lastmod>2018-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-long-will-it-take-to-save-for-a-unit-deposit-in-each-state</loc>
        <lastmod>2018-09-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-property-listings-hit-highest-level-since-2008</loc>
        <lastmod>2018-09-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/same-ol-story-rba-leaves-cash-rate-untouched</loc>
        <lastmod>2018-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/luxury-home-markets-record-steepest-price-falls</loc>
        <lastmod>2018-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/looking-for-high-returns-check-out-these-suburbs</loc>
        <lastmod>2018-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-to-settle-35m-fine-for-home-loan-breaches</loc>
        <lastmod>2018-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-poll-sees-rbas-rates-unchanged-until-2019</loc>
        <lastmod>2018-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-australias-housing-market-downturn-persist</loc>
        <lastmod>2018-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/value-of-outstanding-home-loans-sees-slight-growth</loc>
        <lastmod>2018-09-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/3-2-1-go-banks-start-mortgage-rate-hike-race</loc>
        <lastmod>2018-09-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investor-housing-credit-shows-signs-of-life</loc>
        <lastmod>2018-09-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interest-rate-hike-further-dampens-building-approvals</loc>
        <lastmod>2018-08-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-other-big-banks-follow-westpacs-rate-hike</loc>
        <lastmod>2018-08-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/unit-supply-glut-to-negatively-impact-average-selling-time</loc>
        <lastmod>2018-08-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-is-the-first-big-four-bank-to-raise-rates</loc>
        <lastmod>2018-08-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-repayments-are-causing-stress-amongst-highincome-earners</loc>
        <lastmod>2018-08-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-do-parents-help-millennials-break-into-the-housing-market</loc>
        <lastmod>2018-08-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/spring-lending-trends-borrowers-and-buyers-should-follow</loc>
        <lastmod>2018-08-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-retirees-should-be-aware-of-reverse-mortgage-risks</loc>
        <lastmod>2018-08-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-names-its-new-ceo</loc>
        <lastmod>2018-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-another-likely-reason-why-home-prices-are-falling</loc>
        <lastmod>2018-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sales-of-affordable-homes-continue-to-decline</loc>
        <lastmod>2018-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-makes-the-current-housing-downturn-different</loc>
        <lastmod>2018-08-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-slowdown-starting-to-dampen-australias-economy</loc>
        <lastmod>2018-08-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-slashes-interest-rates</loc>
        <lastmod>2018-08-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/12-perth-suburbs-see-rebound-in-house-prices</loc>
        <lastmod>2018-08-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/check-out-these-latest-mortgage-rate-adjustments</loc>
        <lastmod>2018-08-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/luxury-homes-lose-lustre-as-sales-decline</loc>
        <lastmod>2018-08-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-do-local-establishments-affect-the-value-of-your-home</loc>
        <lastmod>2018-08-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-can-homeowners-do-to-improve-the-value-of-their-assets</loc>
        <lastmod>2018-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-predicts-cash-rate-to-linger-until-2020</loc>
        <lastmod>2018-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-urges-mortgage-holders-to-plan-for-possible-rate-hike</loc>
        <lastmod>2018-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/boomers-are-crawling-back-to-their-childrens-nests</loc>
        <lastmod>2018-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/burleigh-homeowners-might-be-sitting-on-a-goldmine</loc>
        <lastmod>2018-08-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-state-capitals-have-performed-over-the-past-three-decades</loc>
        <lastmod>2018-08-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-likely-to-keep-cash-rates-at-low-levels</loc>
        <lastmod>2018-08-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-flock-to-perth-for-milliondollar-homes</loc>
        <lastmod>2018-08-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-downsizing-really-means-for-boomers</loc>
        <lastmod>2018-08-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tighter-restrictions-and-reduced-credit-may-be-housing-market-scapegoat</loc>
        <lastmod>2018-08-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-australia-on-the-right-track-for-housing-affordability</loc>
        <lastmod>2018-08-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-regulatory-banking-costs-can-be-tricky</loc>
        <lastmod>2018-08-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/trust-in-mortgage-brokers-ethics-falls</loc>
        <lastmod>2018-08-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commonwealth-bank-records-growing-mortgage-stress-in-wa</loc>
        <lastmod>2018-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-declining-prices-precludes-interest-rate-hikes</loc>
        <lastmod>2018-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-australia-be-able-to-house-its-ballooning-population</loc>
        <lastmod>2018-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-housing-one-of-the-most-globally-overpriced-study-finds</loc>
        <lastmod>2018-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/3-risks-to-watch-out-for-in-the-housing-market</loc>
        <lastmod>2018-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-will-gen-z-fit-into-the-housing-market</loc>
        <lastmod>2018-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-startups-are-disrupting-traditional-homeownership</loc>
        <lastmod>2018-08-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/which-home-features-do-property-hunters-want-the-most</loc>
        <lastmod>2018-08-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-bank-sees-6-2--growth-in-mortgages</loc>
        <lastmod>2018-08-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/latest-clearance-rate-data-show-buyers-preference-for-houses</loc>
        <lastmod>2018-08-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/looking-for-the-positives-in-the-housing-market-downturn</loc>
        <lastmod>2018-08-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-are-witnessing-worsening-home-loan-arrears</loc>
        <lastmod>2018-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interest-only-loan-conversions-may-lead-to-increase-mortgage-delinquency</loc>
        <lastmod>2018-08-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-cba-is-not-likely-to-hike-home-loan-rates</loc>
        <lastmod>2018-08-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/millennials-set-to-lead-a-shift-in-housing-demand</loc>
        <lastmod>2018-08-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/issues-uncovered-by-royal-commission-take-toll-on-amp</loc>
        <lastmod>2018-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downsizing-is-fast-becoming-the-only-option-for-debtridden-retirees</loc>
        <lastmod>2018-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-incentives-spur-first-home-buyer-activity</loc>
        <lastmod>2018-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/experts-weigh-in-on-rbas-cash-rate-decision</loc>
        <lastmod>2018-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-central-bank-continues-to-hold-interest-rate</loc>
        <lastmod>2018-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-luxury-car-sales-say-about-the-housing-market</loc>
        <lastmod>2018-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-stress-is-stripping-aussies-of-their-savings</loc>
        <lastmod>2018-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-suburbs-are-set-to-shine-over-the-coming-months</loc>
        <lastmod>2018-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-to-post-its-first-annual-drop-in-9-years</loc>
        <lastmod>2018-08-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-it-is-unwise-to-flip-houses-right-now</loc>
        <lastmod>2018-08-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-could-trigger-a-housing-market-crash-in-australia</loc>
        <lastmod>2018-08-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dont-mind-the-slump-prices-will-rise-again</loc>
        <lastmod>2018-08-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-financial-literacy-can-help-first-home-buyers</loc>
        <lastmod>2018-08-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-pushes-for-more-banks-to-enter-the-market</loc>
        <lastmod>2018-08-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/price-slumps-expected-to-continue-as-mortgage-restrictions-start-to-bite</loc>
        <lastmod>2018-08-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-cuts-back-on-interest-rates</loc>
        <lastmod>2018-08-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeownership-dreams-slowly-fading-for-millennials</loc>
        <lastmod>2018-08-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-unveils-new-perks-for-home-loan-borrowers</loc>
        <lastmod>2018-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interestonly-borrowers-are-making-the-switch</loc>
        <lastmod>2018-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-home-prices-speed-downward</loc>
        <lastmod>2018-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/building-approvals-bring-hope-for-affordability</loc>
        <lastmod>2018-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investor-lending-nosedives-in-june</loc>
        <lastmod>2018-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-refinancing-has-become-a-struggle-for-aussies</loc>
        <lastmod>2018-08-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-becoming-more-distrustful-of-banks-survey-reveals</loc>
        <lastmod>2018-07-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/looking-for-capital-growth-consider-these-suburbs</loc>
        <lastmod>2018-07-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stellar-june-sales-not-enough-to-offset-2018-decline</loc>
        <lastmod>2018-07-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/concessions-boost-first-home-ownership-in-regional-victoria</loc>
        <lastmod>2018-07-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-funding-costs-are-affecting-mortgage-rates-in-australia</loc>
        <lastmod>2018-07-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/its-a-property-smorgasbord-in-the-east</loc>
        <lastmod>2018-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-its-best-to-steer-clear-of-honeymoon-rates</loc>
        <lastmod>2018-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-sees-first-annual-home-price-fall-in-six-years</loc>
        <lastmod>2018-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-taps-former-hsbc-exec-to-join-its-board</loc>
        <lastmod>2018-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-housing-affordability-might-not-be-australias-real-problem</loc>
        <lastmod>2018-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/be-wary-of-diy-home-loan-services-experts-warn</loc>
        <lastmod>2018-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-customer-satisfaction-declines-amid-royal-commission-probe</loc>
        <lastmod>2018-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-may-start-missing-payments-once-big-banks-hike-rates</loc>
        <lastmod>2018-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-prices-report-flat-growth-ending-weeks-of-decline</loc>
        <lastmod>2018-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-lending-regulations-leave-borrowers-in-a-bind</loc>
        <lastmod>2018-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/supply-constraints-worsen-housing-affordability-in-sydney-melbourne</loc>
        <lastmod>2018-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-mortgage-rates-might-go-up-even-without-the-rba</loc>
        <lastmod>2018-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordable-homes-await-future-home-buyers</loc>
        <lastmod>2018-07-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-turnover-improves-but-still-dampened-by-stricter-lending-rules</loc>
        <lastmod>2018-07-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/things-have-started-to-look-good-for-queensland-housing-market</loc>
        <lastmod>2018-07-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-bank-rails-against-ending-mortgage-broker-commissions</loc>
        <lastmod>2018-07-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-one-fintech-firm-is-making-mortgage-brokers-obsolete</loc>
        <lastmod>2018-07-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/a-ray-of-hope-perth-continues-to-be-the-most-affordable-city</loc>
        <lastmod>2018-07-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homes-in-australia-most-affordable-since-2012</loc>
        <lastmod>2018-07-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-rba-is-more-than-pleased-to-see-sydney-and-melbournes-gradual-collapse</loc>
        <lastmod>2018-07-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/millennials-take-advantage-of-guarantor-loans-to-secure-a-property</loc>
        <lastmod>2018-07-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-market-downturn-not-as-dire-as-mid2000s</loc>
        <lastmod>2018-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-rba-ever-consider-cutting-cash-rates</loc>
        <lastmod>2018-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reserve-bank-of-australia-keeps-an-eye-on-household-debts</loc>
        <lastmod>2018-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/online-lender-unveils-rate-changes</loc>
        <lastmod>2018-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-it-may-be-wise-to-switch-to-a-fixed-rate-now</loc>
        <lastmod>2018-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/national-australia-bank-appoints-former-perpetual-ceo-to-run-mlc</loc>
        <lastmod>2018-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/no-strong-case-to-lift-rates-rba-says</loc>
        <lastmod>2018-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeowners-are-ditching-big-cities-for-regional-communities</loc>
        <lastmod>2018-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-housing-finance-saw-brief-uptick-last-quarter</loc>
        <lastmod>2018-07-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-banks-slash-honeymoon-rates-on-home-loan-offerings</loc>
        <lastmod>2018-07-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/owneroccupiers-set-to-dominate-the-gold-coast</loc>
        <lastmod>2018-07-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/clearance-rates-cant-shake-out-of-multiyear-lows</loc>
        <lastmod>2018-07-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-is-the-next-property-hotspot-experts-say</loc>
        <lastmod>2018-07-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/prolonged-low-interest-rates-pose-risks-to-financial-stability--study</loc>
        <lastmod>2018-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/moderate-measures-on-risky-lending-expected-in-the-coming-months</loc>
        <lastmod>2018-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-choice-announces-changes-to-broker-remuneration-structure</loc>
        <lastmod>2018-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/slowdown-in-lending-will-hamper-building-activity-expert-says</loc>
        <lastmod>2018-07-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-rate-hike-may-lead-other-banks-to-follow-suit</loc>
        <lastmod>2018-07-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heritage-bank-allows-borrowers-to-fasttrack-loan-applications</loc>
        <lastmod>2018-07-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-brisbanes-oversupply-problem-a-myth</loc>
        <lastmod>2018-07-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stricter-lending-rules-are-making-it-hard-to-sell-properties</loc>
        <lastmod>2018-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/unexpected-population-growth-puts-pressure-on-act-housing-supply</loc>
        <lastmod>2018-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-hit-with-allegations-of-misconduct-toward-indigenous-clients</loc>
        <lastmod>2018-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/prime-housing-market-still-shining-amid-slowdown</loc>
        <lastmod>2018-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-credit-records-slowest-growth-in-five-years</loc>
        <lastmod>2018-07-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/which-state-has-the-most-affordable-suburbs-for-property-buyers</loc>
        <lastmod>2018-07-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/shadow-banks-are-luring-home-loan-borrowers</loc>
        <lastmod>2018-07-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tight-mortgage-regulations-need-revising-analyst-says</loc>
        <lastmod>2018-07-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/slow-wage-growth-and-high-home-prices-force-children-to-stay-at-home-with-their-parents</loc>
        <lastmod>2018-07-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubs-estimates-a-20-cutback-on-aussies-borrowing-capacity</loc>
        <lastmod>2018-07-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sluggish-housing-demand-drags-construction-activity-down</loc>
        <lastmod>2018-07-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/developers-urged-to-adopt-fire-safety-measures</loc>
        <lastmod>2018-07-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/millennials-are-pricing-themselves-out-of-the-housing-market</loc>
        <lastmod>2018-07-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-more-home-construction-reduce-prices</loc>
        <lastmod>2018-07-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-keeping-a-sharp-eye-on-home-prices</loc>
        <lastmod>2018-07-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-will-discontinue-low-doc-mortgage-products</loc>
        <lastmod>2018-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-suburbs-record-strong-sales-amid-downturn</loc>
        <lastmod>2018-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-boosting-land-supply-can-ease-affordability-concerns</loc>
        <lastmod>2018-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/soaring-funding-costs-to-compel-banks-to-raise-home-loan-rates</loc>
        <lastmod>2018-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/asic-calls-out-banks-for-taking-advantage-of-credit-card-holders</loc>
        <lastmod>2018-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/clearance-rates-slowdown-is-not-a-red-flag-yet</loc>
        <lastmod>2018-07-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-keeps-2year-cash-rate-unchanged-as-the-dollar-drops</loc>
        <lastmod>2018-07-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/online-lender-to-offer-fixed-special-loan-rate</loc>
        <lastmod>2018-07-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-home-buyers-could-be-experiencing-negative-equity-amid-price-weakness</loc>
        <lastmod>2018-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/canberra-landlords-urged-to-adopt-energy-efficiency-measures</loc>
        <lastmod>2018-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bank-raises-loan-rates-for-existing-homeowners</loc>
        <lastmod>2018-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lender-unveils-free-annual-fee-on-loan-offering</loc>
        <lastmod>2018-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-does-population-have-to-do-with-housing-approvals</loc>
        <lastmod>2018-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tighter-lending-standards-badger-home-sales</loc>
        <lastmod>2018-07-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsws-affordable-housing-targets-could-put-supply-at-risk</loc>
        <lastmod>2018-07-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-under-fire-over-insurance-rewriting</loc>
        <lastmod>2018-07-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/does-stamp-duty-make-housing-unaffordable</loc>
        <lastmod>2018-07-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-homeownership-dreams-fading-in-australia</loc>
        <lastmod>2018-06-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-property-industry-leads-energy-efficiency-drive</loc>
        <lastmod>2018-06-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-guns-in-banking-band-together-to-launch-new-digital-lender</loc>
        <lastmod>2018-06-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/most-millennials-plan-to-use-savings-to-buy-homes</loc>
        <lastmod>2018-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-firsthome-buyers-should-check-out-offtheplan-units-at-the-entrance</loc>
        <lastmod>2018-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/prime-suburbs-drive-perths-market-recovery</loc>
        <lastmod>2018-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-owns-up-to-unethical-and-unfair-practices</loc>
        <lastmod>2018-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/philip-lowe-appointed-as-new-chair-of-cfgs</loc>
        <lastmod>2018-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-valuation-vs--appraisal--whats-the-difference</loc>
        <lastmod>2018-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/most-first-home-buyers-are-clueless-about-buying-process</loc>
        <lastmod>2018-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-bank-planning-split-to-further-new-growth</loc>
        <lastmod>2018-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auswide-unveils-new-rates-for-home-loans</loc>
        <lastmod>2018-06-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-housing-market-poised-to-languish-until-2021</loc>
        <lastmod>2018-06-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/winter-blues-cant-bring-auction-rates-down</loc>
        <lastmod>2018-06-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/has-the-nsw-stopped-caring-about-housing-affordability</loc>
        <lastmod>2018-06-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/forget-about-winter-hibernation-buy-or-sell-your-home-now</loc>
        <lastmod>2018-06-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/keeping-real-estate-in-the-family-the-tax-traps</loc>
        <lastmod>2018-06-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-many-experts-are-pushing-back-their-expectations-of-a-cash-rate-hike</loc>
        <lastmod>2018-06-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investing-in-property--tax-planning</loc>
        <lastmod>2018-06-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-are-the-suburbs-where-homebuyers-can-catch-good-bargains</loc>
        <lastmod>2018-06-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/moodys-housing-market-to-remain-chilly-for-the-rest-of-the-year</loc>
        <lastmod>2018-06-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/darwin-housing-market-likely-to-see-recovery-next-year</loc>
        <lastmod>2018-06-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-to-suffer-two-more-years-of-price-declines-anz-warns</loc>
        <lastmod>2018-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/some-interestonly-borrowers-have-no-choice-but-to-sell</loc>
        <lastmod>2018-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-rba-ever-raise-interest-rates</loc>
        <lastmod>2018-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-highspeed-rail-will-boost-housing-demand-in-this-sydney-suburb</loc>
        <lastmod>2018-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downsizers-are-splurging-on-penthouses</loc>
        <lastmod>2018-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-so-many-aussies-are-interested-in-onebedder-homes-on-beaches</loc>
        <lastmod>2018-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-clearance-rates-hit-6year-low</loc>
        <lastmod>2018-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-why-governments-are-reluctant-slash-stamp-duty</loc>
        <lastmod>2018-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tasmania-to-commence-second-stage-of-affordable-housing-strategy</loc>
        <lastmod>2018-06-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-unintended-impact-of-changes-to-negative-gearing-and-capital-gains-tax</loc>
        <lastmod>2018-06-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/central-bank-eyes-holding-interest-rates-for-longer</loc>
        <lastmod>2018-06-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/resident-groups-slam-new-rules-for-shortterm-rental-properties</loc>
        <lastmod>2018-06-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-to-slash-first-home-owner-grants</loc>
        <lastmod>2018-06-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/check-out-these-housing-hotspots-in-nsws-hunter-valley</loc>
        <lastmod>2018-06-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investor-lending-continues-to-shrink-amidst-crackdown</loc>
        <lastmod>2018-06-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/adelaide-trumps-hobart-as-most-affordable-capital-city</loc>
        <lastmod>2018-06-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/proposed-tax-changes-may-cause-sydney-and-melbourne-prices-to-slide</loc>
        <lastmod>2018-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/be-wellprepared-if-buying-a-cheap-foreclosed-property</loc>
        <lastmod>2018-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-dangers-of-interest-only-loans</loc>
        <lastmod>2018-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/a-tale-of-one-city-melbourne-suburbs-top-fastestgrowing-list</loc>
        <lastmod>2018-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-commitments-drop-across-australia</loc>
        <lastmod>2018-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-threat-of-investors-to-australias-housing-market</loc>
        <lastmod>2018-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-tops-aussie-home-buyers-wish-lists</loc>
        <lastmod>2018-06-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordable-inner-city-homes-are-vanishing-in-sydney</loc>
        <lastmod>2018-06-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/despite-first-home-buyer-grants-ownership-rates-continue-to-slide</loc>
        <lastmod>2018-06-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-households-reel-under-mortgage-stress</loc>
        <lastmod>2018-06-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/which-victorian-suburbs-have-the-cheapest-homes</loc>
        <lastmod>2018-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-home-prices-are-unlikely-to-rebound-this-year</loc>
        <lastmod>2018-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-could-still-raise-mortgage-rates-despite-rba-decision</loc>
        <lastmod>2018-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/robust-demand-boosts-brisbane-prices-to-new-levels</loc>
        <lastmod>2018-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/central-bank-leaves-interest-rate-untouched-at-1-5</loc>
        <lastmod>2018-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/falling-home-values-signal-australias-market-downturn</loc>
        <lastmod>2018-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heres-where-you-can-get-the-best-deals-in-sydney</loc>
        <lastmod>2018-06-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/young-homebuyers-continue-to-turn-to-parents-for-financing</loc>
        <lastmod>2018-06-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-is-losing-prospective-buyer-interest</loc>
        <lastmod>2018-06-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/walking-on-sunshine-households-cut-costs-with-solar-power</loc>
        <lastmod>2018-06-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brisbane-land-prices-record-massive-slump</loc>
        <lastmod>2018-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-predicts-sweeping-home-price-drops</loc>
        <lastmod>2018-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victoria-sees-surge-of-firsttimer-loans-despite-affordability-issues</loc>
        <lastmod>2018-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/middleincome-earners-can-now-afford-these-sydney-suburbs</loc>
        <lastmod>2018-05-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/prices-likely-to-slump-further-as-foreign-buyers-ditch-australia</loc>
        <lastmod>2018-05-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/royal-commission-probe-make-borrowers-consider-switching-banks</loc>
        <lastmod>2018-05-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-house-prices-wont-move-the-needle-for-rba-to-hike-cash-rate</loc>
        <lastmod>2018-05-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australians-are-not-aware-of-first-home-super-saver-scheme-poll-says</loc>
        <lastmod>2018-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mystate-bank-hikes-interest-rate</loc>
        <lastmod>2018-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-arrears-remain-low-despite-uptick</loc>
        <lastmod>2018-05-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/experts-weigh-in-on-the-fate-of-housing-market</loc>
        <lastmod>2018-05-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stamp-duty-exemption-boosts-firsthome-buyer-loan-activity-in-nsw-victoria</loc>
        <lastmod>2018-05-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-highend-homes-are-getting-cheaper</loc>
        <lastmod>2018-05-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-housing-affordability-is-not-as-bad-as-it-seems-for-homebuyers</loc>
        <lastmod>2018-05-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-home-loan-startup-raises-15-million</loc>
        <lastmod>2018-05-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/millennials-make-up-a-big-slice-of-the-mortgage-broker-market</loc>
        <lastmod>2018-05-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/prices-in-nsw-and-victoria-regional-centres-on-the-rise</loc>
        <lastmod>2018-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lender-warns-of-further-price-declines-in-sydney-and-melbourne</loc>
        <lastmod>2018-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lowinterest-rates-limit-price-growth-economist-says</loc>
        <lastmod>2018-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/where-can-500000-bring-you</loc>
        <lastmod>2018-05-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/winter-is-coming-to-sydneys-housing-market</loc>
        <lastmod>2018-05-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/falling-values-dampen-mortgage-demand-in-nsw-and-victoria</loc>
        <lastmod>2018-05-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-councils-now-allowed-to-delay-implementation-of-new-housing-code</loc>
        <lastmod>2018-05-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-expats-take-advantage-of-weakening-prices</loc>
        <lastmod>2018-05-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-are-millennials-willing-to-sacrifice-to-own-a-home</loc>
        <lastmod>2018-05-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-halts-housing-development-in-sydneys-northwest</loc>
        <lastmod>2018-05-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-affordability-woes-still-lacking-a-cure</loc>
        <lastmod>2018-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-raising-a-child-impacts-housing-costs</loc>
        <lastmod>2018-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-reason-behind-central-banks-efforts-to-maintain-interest-rate</loc>
        <lastmod>2018-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-sluggish-income-growth-intensifies-mortgage-risks</loc>
        <lastmod>2018-05-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-hill-shire-is-poised-to-be-the-next-destination-for-sydneysiders</loc>
        <lastmod>2018-05-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rundown-homes-trigger-price-falls-in-sydney</loc>
        <lastmod>2018-05-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-prices-to-continue-to-decline-in-sydney</loc>
        <lastmod>2018-05-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-stricter-lending-restrictions-drag-home-prices-down</loc>
        <lastmod>2018-05-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-home-financing-falls-for-six-straight-months</loc>
        <lastmod>2018-05-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordable-homes-are-vanishing-in-australia</loc>
        <lastmod>2018-05-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneysiders-are-turning-their-backyard-sheds-into-granny-flats</loc>
        <lastmod>2018-05-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/federal-government-revamps-its-pension-loan-scheme</loc>
        <lastmod>2018-05-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/incomebased-loan-limits-could-continue-to-lower-home-prices</loc>
        <lastmod>2018-05-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downsizers-flock-to-brisbane-for-prime-properties</loc>
        <lastmod>2018-05-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/201819-budget-virtually-ignores-firsthome-buyers</loc>
        <lastmod>2018-05-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cutback-on-vacant-land-tax-incentives-to-start-this-year</loc>
        <lastmod>2018-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/parramatta-records-robust-sales-bucks-overall-trend-in-sydney</loc>
        <lastmod>2018-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-platform-offers-innovative-way-of-funding-home-purchases</loc>
        <lastmod>2018-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-improved-housing-affordability-for-the-rest-of-2018</loc>
        <lastmod>2018-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/me-bank-apologises-for-charging-higher-interest-rates-without-adequate-notice</loc>
        <lastmod>2018-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-open-houses-are-discouraged-by-agents</loc>
        <lastmod>2018-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-severe-will-sydney-and-melbournes-house-price-correction-be</loc>
        <lastmod>2018-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/booming-hobart-housing-market-faces-emerging-risk</loc>
        <lastmod>2018-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-tax-collection-swells</loc>
        <lastmod>2018-05-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/advantedges-nsw-borrowers-will-need-to-sign-mortgage-documents-on-paper</loc>
        <lastmod>2018-05-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/valuehunter-demand-boosts-melbournes-home-prices-up</loc>
        <lastmod>2018-05-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/households-in-mortgage-stress-continued-to-rise-in-april</loc>
        <lastmod>2018-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-governor-says-tighter-lending-policies-and-cash-rate-hike-are-just-around-the-corner</loc>
        <lastmod>2018-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-are-hiking-rates-in-response-to-higher-compliance-and-funding-costs</loc>
        <lastmod>2018-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/landcom-to-test-cuttingedge-housing-models</loc>
        <lastmod>2018-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/most-solarfriendly-postcodes-found-in-qld-and-wa</loc>
        <lastmod>2018-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-applications-are-about-to-get-more-stringent</loc>
        <lastmod>2018-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-future-doesnt-look-good-for-millennials</loc>
        <lastmod>2018-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-auction-market-showing-signs-of-cooling</loc>
        <lastmod>2018-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-keeps-cash-rate-untouched-for-19th-consecutive-month</loc>
        <lastmod>2018-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-superannuation-industry-will-soon-be-able-to-invest-in-global-real-estate</loc>
        <lastmod>2018-05-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/has-melbourne-become-more-affordable-for-firsthome-buyers</loc>
        <lastmod>2018-05-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expect-more-affordable-homes-in-sydney-by-2020</loc>
        <lastmod>2018-05-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-sustainable-access-to-credit-and-financial-literacy-ease-the-affordability-crisis</loc>
        <lastmod>2018-05-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/morgan-stanley-property-prices-could-slump-by-8-this-year</loc>
        <lastmod>2018-04-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-to-remove-growth-cap-on-lending-to-property-investors</loc>
        <lastmod>2018-04-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/repayments-will-rise-for-borrowers-transitioning-from-interestonly-to-principalandinterest</loc>
        <lastmod>2018-04-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-than-a-quarter-of-aspiring-homebuyers-see-a-mortgage-broker-first</loc>
        <lastmod>2018-04-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/royal-commission-uncovers-misdemeanours-at-amp</loc>
        <lastmod>2018-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/does-airbnb-badger-rental-markets-in-australian-cities</loc>
        <lastmod>2018-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-prices-have-dropped-in-the-five-mainland-state-capitals</loc>
        <lastmod>2018-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/which-suburbs-are-poised-to-outperform-sydney-and-melbourne</loc>
        <lastmod>2018-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-do-consumer-prices-tell-about-interest-rates-in-australia</loc>
        <lastmod>2018-04-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyer-activity-starts-to-strengthen</loc>
        <lastmod>2018-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-investors-more-likely-to-support-foreign-investment-in-sydney</loc>
        <lastmod>2018-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-luxury-downsizers-are-snapping-up-homes-in-prime-suburbs</loc>
        <lastmod>2018-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/me-bank-announces-latest-changes-to-home-loans</loc>
        <lastmod>2018-04-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-improves-in-most-capitals</loc>
        <lastmod>2018-04-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-lose-control-to-global-forces-experts-say</loc>
        <lastmod>2018-04-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/chinese-developers-unveil-mixeduse-luxury-development-in-yarra</loc>
        <lastmod>2018-04-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/oversupplied-melbourne-apartment-market-is-creating-new-opportunities-for-savvy-buyers</loc>
        <lastmod>2018-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/young-professionals-are-flocking-to-sydney-olympic-park</loc>
        <lastmod>2018-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-property-investors-setting-their-sails-to-south-australia</loc>
        <lastmod>2018-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/here-are-the-things-on-wealthy-downsizers-wish-lists</loc>
        <lastmod>2018-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-no-longer-leads-australia-in-price-growth</loc>
        <lastmod>2018-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-older-aussies-be-given-tax-discounts-to-encourage-downsizing</loc>
        <lastmod>2018-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/western-sydney-prices-buck-overall-city-downtrend</loc>
        <lastmod>2018-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/albany-has-the-fifth-highest-mortgage-delinquency-rate-in-wa</loc>
        <lastmod>2018-04-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stricter-standards-could-lock-more-buyers-out-of-the-housing-market</loc>
        <lastmod>2018-04-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/one-in-two-aussie-home-buyers-are-overspenders</loc>
        <lastmod>2018-04-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-warns-of-reset-shock-as-loans-convert-to-principalandinterest</loc>
        <lastmod>2018-04-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/land-prices-continue-to-soar-as-lot-sizes-shrink</loc>
        <lastmod>2018-04-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/key-workers-ditch-sydney-flock-to-other-nsw-cities</loc>
        <lastmod>2018-04-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-group-updates-credit-policies-concerning-borrower-expenses</loc>
        <lastmod>2018-04-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-rental-bond-system-wants-to-replace-cash-bond</loc>
        <lastmod>2018-04-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/analysts-weigh-in-on-the-future-of-the-australian-housing-market</loc>
        <lastmod>2018-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/state-governments-have-yet-to-put-forth-true-effort-behind-affordable-housing</loc>
        <lastmod>2018-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/impact-of-investor-retreat-from-housing-market-evident-in-building-activity</loc>
        <lastmod>2018-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-make-impulsive-homebuying-decisions-poll-finds</loc>
        <lastmod>2018-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fawkner-stands-out-for-firsthome-buyers</loc>
        <lastmod>2018-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-borrowers-ditching-fixedrate-mortgages</loc>
        <lastmod>2018-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/meth-residue-found-in-1-in-4-south-australian-homes</loc>
        <lastmod>2018-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-have-aussies-disposable-incomes-kept-up-with-rising-debts</loc>
        <lastmod>2018-04-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nearly-one-million-households-are-in-mortgage-stress</loc>
        <lastmod>2018-04-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-interest-rates-about-to-go-up</loc>
        <lastmod>2018-04-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/one-in-four-aussie-households-live-in-rented-homes-study-reveals</loc>
        <lastmod>2018-04-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-aussie-homebuyers-expect-an-uptick-in-wages</loc>
        <lastmod>2018-04-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/analyst-slams-di-natales-peoples-bank</loc>
        <lastmod>2018-04-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/accc-chairman-slams-lack-of-competition-in-the-banking-sector</loc>
        <lastmod>2018-04-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussies-are-choosing-fractional-property-investment</loc>
        <lastmod>2018-04-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-much-money-would-you-need-to-experience-financial-freedom</loc>
        <lastmod>2018-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-and-melbourne-property-prices-could-fall-another-5</loc>
        <lastmod>2018-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/here-are-the-housing-markets-where-unemployment-is-below-4</loc>
        <lastmod>2018-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/it-could-be-now-or-never-for-sydney-home-hunters</loc>
        <lastmod>2018-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-are-the-merits-of-solving-australias-housing-affordability-crisis</loc>
        <lastmod>2018-04-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/millennials-are-turning-to-more-affordable-property-in-the-asiapacific</loc>
        <lastmod>2018-04-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-rba-wont-be-urged-to-hike-interest-rates-soon</loc>
        <lastmod>2018-04-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-most-affordable-melbourne-suburbs-for-firsthome-buyers</loc>
        <lastmod>2018-04-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-borrowing-costs-are-rising-mortgage-rates-might-follow</loc>
        <lastmod>2018-04-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victorias-2m-plan-to-push-for-green-sustainable-housing</loc>
        <lastmod>2018-03-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubanks-new-chatbot-is-a-hit-with-mortgage-applicants</loc>
        <lastmod>2018-03-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyer-subsidies-should-target-specific-locations</loc>
        <lastmod>2018-03-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-struggles-to-house-growing-number-of-overseas-migrants</loc>
        <lastmod>2018-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-prices-continue-to-drop-thanks-to-melbourne</loc>
        <lastmod>2018-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-the-market-be-able-to-sustain-milliondollar-property-sales-this-year</loc>
        <lastmod>2018-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sales-of-new-detached-houses-continue-to-drop</loc>
        <lastmod>2018-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/capital-cities-hit-new-auction-record</loc>
        <lastmod>2018-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-rates-could-rise-even-if-the-rba-keeps-the-cash-rate-on-hold</loc>
        <lastmod>2018-03-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/consumer-group-wants-brokers-to-be-legally-bound-to-act-in-the-interest-of-their-clients</loc>
        <lastmod>2018-03-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/palaszczuk-government-urged-to-drop-property-tax-increases</loc>
        <lastmod>2018-03-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-households-are-vulnerable-to-rising-global-interest-rates</loc>
        <lastmod>2018-03-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suncorp-bank-hikes-interest-rates-on-variablerate-home-loans</loc>
        <lastmod>2018-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-to-refund-90m-to-customers-over-incorrect-interest-rates</loc>
        <lastmod>2018-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-discounts-key-homebuyer-rates</loc>
        <lastmod>2018-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/royal-commission-grills-anz-about-loans-submitted-by-brokers</loc>
        <lastmod>2018-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-recalibrating-the-tax-system-fix-australian-housing</loc>
        <lastmod>2018-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tighter-regulatory-standards-hamstring-price-growth</loc>
        <lastmod>2018-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/shortage-of-gold-coast-land-could-impact-property-market</loc>
        <lastmod>2018-03-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-should-expect-a-temporary-house-price-correction</loc>
        <lastmod>2018-03-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/young-homebuyers-on-edge-as-property-aide-hits-the-chopping-block</loc>
        <lastmod>2018-03-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-sellers-left-with-no-choice-but-to-drop-prices</loc>
        <lastmod>2018-03-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/do-mortgage-customers-prefer-applying-at-a-bank-branch-or-via-a-broker</loc>
        <lastmod>2018-03-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/many-aussies-dont-understand-the-most-commonly-used-mortgage-terms</loc>
        <lastmod>2018-03-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/consumer-watchdog-urges-borrowers-to-switch-their-loan-providers-asap</loc>
        <lastmod>2018-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/experts-warn-brisbane-homeowners-about-renting-out-granny-flats</loc>
        <lastmod>2018-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/terrace-houses-on-micro-lots-to-be-testdriven-in-wa</loc>
        <lastmod>2018-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rapid-population-growth-could-lead-to-urban-sprawl</loc>
        <lastmod>2018-03-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hobart-posts-largest-price-hikes-amongst-capital-cities</loc>
        <lastmod>2018-03-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-loosen-the-screws-on-interestonly-lending</loc>
        <lastmod>2018-03-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/can-anything-solve-australias-affordability-crisis</loc>
        <lastmod>2018-03-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-financing-declines-across-the-board</loc>
        <lastmod>2018-03-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-offers-rate-cuts-to-firsthome-buyers-and-rentvestors</loc>
        <lastmod>2018-03-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brisbane-developer-is-offering-apartments-on-a-deferred-settlement-basis</loc>
        <lastmod>2018-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/which-australian-capital-has-the-most-desirable-suburbs</loc>
        <lastmod>2018-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-and-nab-slash-fixed-rates-on-key-mortgage-products</loc>
        <lastmod>2018-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bluestone-mortgages-slashes-interest-rates</loc>
        <lastmod>2018-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lower-earnings-drive-women-away-from-the-housing-market</loc>
        <lastmod>2018-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyer-loans-swell-in-new-south-wales</loc>
        <lastmod>2018-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-zoning-restrictions-impact-the-cost-of-housing</loc>
        <lastmod>2018-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-federal-government-needs-to-consider-reforming-negative-gearing-policies</loc>
        <lastmod>2018-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-tops-melbourne-in-global-luxury-home-market-rankings</loc>
        <lastmod>2018-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-customers-are-happier-with-smaller-banks</loc>
        <lastmod>2018-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/canberrans-acquiring-mortgages-at-a-higher-rate-than-the-rest-of-oz</loc>
        <lastmod>2018-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-building-more-houses-can-solve-australias-affordability-crisis</loc>
        <lastmod>2018-03-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-housing-supply-hasnt-improved-affordability</loc>
        <lastmod>2018-03-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordable-housing-needs-more-government-support-study-finds</loc>
        <lastmod>2018-03-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/emerging-investment-hotspots-in-brisbanes-middle-ring</loc>
        <lastmod>2018-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowing-by-smsfs-continues-to-grow</loc>
        <lastmod>2018-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-and-westpac-slash-fixed-rates-on-key-products</loc>
        <lastmod>2018-03-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-values-slip-across-most-capital-cities-in-february</loc>
        <lastmod>2018-03-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-fewer-investor-loans-are-affecting-overall-housing-credit-growth</loc>
        <lastmod>2018-03-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/coming-interestrate-rises-will-be-catastrophic-for-households</loc>
        <lastmod>2018-03-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/do-trams-affect-home-prices-in-melbourne-suburbs</loc>
        <lastmod>2018-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-are-increasingly-pessimistic-about-homeownership</loc>
        <lastmod>2018-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interestonly-borrowers-face-a-double-whammy</loc>
        <lastmod>2018-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-australia-at-risk-of-housing-undersupply</loc>
        <lastmod>2018-03-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downsizing-baby-boomers-prefer-lifestyle-villages</loc>
        <lastmod>2018-03-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-efforts-to-trim-housing-investment-loans-bear-fruit</loc>
        <lastmod>2018-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-and-rental-affordability-issues-intensify-in-byron-bay</loc>
        <lastmod>2018-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tighter-lending-restrictions-might-be-on-the-way</loc>
        <lastmod>2018-02-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/royal-commission-goes-after-members-of-the-big-four</loc>
        <lastmod>2018-02-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/smoke-and-shadow-keep-wouldbe-borrowers-from-identifying-the-best-mortgage-deals</loc>
        <lastmod>2018-02-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/does-size-matter-for-sydney-firsthome-buyers</loc>
        <lastmod>2018-02-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-heightens-scrutiny-of-customers-switching-to-interestonly</loc>
        <lastmod>2018-02-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-coming-crisis-with-interestonly-loans</loc>
        <lastmod>2018-02-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fire-safety-remains-a-concern-in-nsw-homes</loc>
        <lastmod>2018-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/planning-to-sell-your-home-this-year-renovate-strategically</loc>
        <lastmod>2018-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-vulnerable-are-australian-homeowners-to-financial-stress</loc>
        <lastmod>2018-02-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/taking-advantage-of-the-downsizer-contributions-cap</loc>
        <lastmod>2018-02-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-immigration-levels-be-drastically-reduced</loc>
        <lastmod>2018-02-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-the-housing-market-poised-to-achieve-equilibrium</loc>
        <lastmod>2018-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anzs-mortgages-grow-despite-recent-lending-clampdown</loc>
        <lastmod>2018-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/imfs-projections-for-aussie-housing-market-a-mixed-bag</loc>
        <lastmod>2018-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/majority-of-aussies-dont-know-their-exact-home-loan-rate</loc>
        <lastmod>2018-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victorian-suburbs-dominate-value-growth-list</loc>
        <lastmod>2018-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsttime-home-buyers-should-be-aware-of-negative-equity-risk</loc>
        <lastmod>2018-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/charitable-landlords-are-striving-to-make-a-difference</loc>
        <lastmod>2018-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-to-establish-its-own-productivity-commission</loc>
        <lastmod>2018-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-buyers-be-able-to-afford-homes-despite-slow-wage-hikes</loc>
        <lastmod>2018-02-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-begins-using-comprehensive-credit-reporting</loc>
        <lastmod>2018-02-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-apra-ease-restrictions-on-interestonly-loans</loc>
        <lastmod>2018-02-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/act-chief-minister-wants-to-abolish-stamp-duty-for-firsthome-buyers</loc>
        <lastmod>2018-02-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rental-yields-for-sydney-apartments-drop-to-record-low</loc>
        <lastmod>2018-02-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/not-so-fast-on-honeymoon-loans-experts-warn</loc>
        <lastmod>2018-02-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-unveils-australias-first-green-mortgagebacked-bond</loc>
        <lastmod>2018-02-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuyers-are-setting-their-sights-on-regional-australia</loc>
        <lastmod>2018-02-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-will-have-to-set-aside-more-capital-against-interestonly-mortgages</loc>
        <lastmod>2018-02-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-australias-affordable-housing-framework-is-inadequate</loc>
        <lastmod>2018-02-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/royal-commission-customers-not-always-treated-honestly-and-fairly</loc>
        <lastmod>2018-02-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victorian-home-buyers-lose-200000-to-hackers</loc>
        <lastmod>2018-02-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/price-of-vacant-residential-land-rose-despite-declining-sales</loc>
        <lastmod>2018-02-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/solving-sydneys-affordability-crisis-for-key-workers</loc>
        <lastmod>2018-02-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hobart-rises-to-become-the-fastest-capital-city-housing-market</loc>
        <lastmod>2018-02-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/construction-costs-balloon-in-victoria</loc>
        <lastmod>2018-02-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-chairman-warns-of-repayment-shock-for-interestonly-borrowers</loc>
        <lastmod>2018-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-developing-alert-systems-to-monitor-struggling-borrowers</loc>
        <lastmod>2018-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-growing-population-requires-thousands-of-affordable-homes-annually</loc>
        <lastmod>2018-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-south-wales-stamp-duty-concessions-lure-firsthome-buyers</loc>
        <lastmod>2018-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-wont-be-pressured-into-hiking-interest-rates</loc>
        <lastmod>2018-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyer-activity-boosts-prices-in-melbournes-fringes</loc>
        <lastmod>2018-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/multimilliondollar-homes-have-become-the-new-normal-in-sydney</loc>
        <lastmod>2018-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-loans-still-on-a-downward-trend-throughout-australia</loc>
        <lastmod>2018-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-interest-rates-continue-to-rise-despite-a-stagnant-cash-rate</loc>
        <lastmod>2018-02-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interestonly-loans-spur-fears-of-a-time-bomb-of-debt</loc>
        <lastmod>2018-02-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-south-wales-housing-supply-growing-at-a-snails-pace</loc>
        <lastmod>2018-02-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/five-aussie-capitals-have-seen-dwelling-values-plunge-over-the-last-decade</loc>
        <lastmod>2018-02-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubs-mortgage-applicants-should-provide-tax-file-numbers</loc>
        <lastmod>2018-02-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apras-home-loan-curbs-cost-taxpayers-500-million</loc>
        <lastmod>2018-02-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-maintains-current-interest-rate</loc>
        <lastmod>2018-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/women-are-more-willing-to-invest-in-property-than-men</loc>
        <lastmod>2018-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/unaffordable-housing-displaces-teachers-police-from-sydney</loc>
        <lastmod>2018-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/regulators-mull-easing-lending-restrictions</loc>
        <lastmod>2018-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/me-bank-the-overall-financial-comfort-of-aussies-has-stalled</loc>
        <lastmod>2018-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-values-drop-by-0-3-in-january</loc>
        <lastmod>2018-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/declining-living-standards-are-impacting-mortgage-repayments</loc>
        <lastmod>2018-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-rules-could-discourage-offtheplan-buyers</loc>
        <lastmod>2018-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-unlikely-to-budge</loc>
        <lastmod>2018-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-housing-market-is-ideal-for-firsthome-buyers</loc>
        <lastmod>2018-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/real-estate-is-separating-australias-haves-from-the-havenots</loc>
        <lastmod>2018-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-the-big-banks-slash-their-home-loan-rates</loc>
        <lastmod>2018-02-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbournes-median-unit-price-continues-to-climb</loc>
        <lastmod>2018-02-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-hits-five-straight-months-of-declining-home-prices</loc>
        <lastmod>2018-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-group-unveils-new-borrowing-terms-for-partner-visas</loc>
        <lastmod>2018-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-data-shows-slight-home-loan-increase</loc>
        <lastmod>2018-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-accused-of-rigging-the-benchmark-interest-rate</loc>
        <lastmod>2018-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/33-of-mortgage-applicants-are-denied-under-new-rules</loc>
        <lastmod>2018-01-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-housing-market-sees-early-signs-of-recovery</loc>
        <lastmod>2018-01-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-national-values-continue-to-soften</loc>
        <lastmod>2018-01-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/four-victorian-suburbs-to-watch-this-year</loc>
        <lastmod>2018-01-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/act-retains-top-spot-for-home-lending-growth</loc>
        <lastmod>2018-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/negative-gearing-is-not-to-blame-for-skyrocketing-prices</loc>
        <lastmod>2018-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rising-interstate-migration-good-for-qld-property-market</loc>
        <lastmod>2018-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investors-appear-indifferent-to-sobering-housing-data</loc>
        <lastmod>2018-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-south-wales-locations-where-buying-is-cheaper-than-renting</loc>
        <lastmod>2018-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/this-is-the-right-time-to-enter-the-housing-market</loc>
        <lastmod>2018-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-do-other-countries-deal-with-foreign-buyers</loc>
        <lastmod>2018-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-and-melbourne-likely-to-suffer-a-major-correction</loc>
        <lastmod>2018-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-arrears-drop-in-all-states-and-territories</loc>
        <lastmod>2018-01-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/now-is-the-best-time-to-buy-your-first-home-in-victoria</loc>
        <lastmod>2018-01-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-lenders-are-to-blame-for-increasing-mortgage-stress</loc>
        <lastmod>2018-01-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mystate-bank-drops-home-loan-rates</loc>
        <lastmod>2018-01-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/whats-the-solution-to-hobarts-rental-crisis</loc>
        <lastmod>2018-01-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/millennials-to-overtake-boomers-in-real-estate-spending-within-five-years</loc>
        <lastmod>2018-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-faces-criticism-over-lending-restrictions</loc>
        <lastmod>2018-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/experts-homeowners-need-to-prepare-for-higher-interest-rates</loc>
        <lastmod>2018-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fitch-mortgage-lending-could-slow-further-this-year</loc>
        <lastmod>2018-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-severely-unaffordable-compared-to-global-housing-markets</loc>
        <lastmod>2018-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-its-not-a-good-idea-to-flip-properties-in-darwin</loc>
        <lastmod>2018-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/third-fractional-property-investment-platform-enters-aussie-market</loc>
        <lastmod>2018-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/royal-commission-to-hold-banking-misconduct-hearing</loc>
        <lastmod>2018-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-the-strong-jobs-market-lead-to-higher-interest-rates</loc>
        <lastmod>2018-01-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-household-debttoincome-level-is-dangerously-unsustainable</loc>
        <lastmod>2018-01-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/parramatta-is-catching-the-attention-of-property-experts</loc>
        <lastmod>2018-01-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hsbc-australia-unveils-lowest-home-loan-rate</loc>
        <lastmod>2018-01-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/positive-sentiment-in-households-with-a-mortgage-rose-in-january</loc>
        <lastmod>2018-01-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/softening-prices-in-sydney-and-melbourne-could-be-temporary</loc>
        <lastmod>2018-01-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyers-are-thriving-in-stable-market-conditions</loc>
        <lastmod>2018-01-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyers-are-flocking-to-victoria-and-new-south-wales</loc>
        <lastmod>2018-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bank-of-mum-and-dad-among-the-top-10-lenders-in-australia</loc>
        <lastmod>2018-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/demand-for-home-loans-grows-for-the-second-straight-month</loc>
        <lastmod>2018-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/additional-levies-on-foreign-investors-threatens-affordability</loc>
        <lastmod>2018-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/moodys-home-loan-arrears-are-declining</loc>
        <lastmod>2018-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hia-its-high-time-stamp-duty-was-reformed</loc>
        <lastmod>2018-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-you-need-to-know-about-the-governments-housing-affordability-plan</loc>
        <lastmod>2018-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/these-housing-markets-are-poised-to-thrive-despite-the-downturn-this-year</loc>
        <lastmod>2018-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/would-homebuyers-be-better-off-without-negative-gearing</loc>
        <lastmod>2018-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/broking-industry-defends-lending-and-remuneration-practices</loc>
        <lastmod>2018-01-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/households-should-brace-themselves-for-rising-interest-rates</loc>
        <lastmod>2018-01-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2018-sees-declining-prices-in-the-property-market</loc>
        <lastmod>2018-01-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-loyal-mortgage-customers-might-be-wasting-their-money</loc>
        <lastmod>2018-01-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hsbc-reserve-bank-could-lift-cash-rate-by-mid2018</loc>
        <lastmod>2018-01-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-overextended-households-pay-down-their-debts</loc>
        <lastmod>2018-01-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/climate-change-brings-bad-news-for-property-owners</loc>
        <lastmod>2018-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/morgan-stanley-expect-more-declining-prices-this-year</loc>
        <lastmod>2018-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-house-prices-will-grow-modestly-in-2018</loc>
        <lastmod>2018-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/canberras-housing-approvals-slump-despite-national-boom</loc>
        <lastmod>2018-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-sydneys-softening-prices-temporary</loc>
        <lastmod>2018-01-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-downsizers-to-benefit-from-australias-super-reforms</loc>
        <lastmod>2018-01-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-lending-in-australia-echoes-us-subprime-mortgage-crisis</loc>
        <lastmod>2018-01-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/whats-the-future-of-negative-gearing-under-labor</loc>
        <lastmod>2018-01-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-households-reeling-from-mortgage-stress</loc>
        <lastmod>2018-01-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-household-debt-remains-alarmingly-high</loc>
        <lastmod>2018-01-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/slowdown-in-sydney-and-melbourne-good-for-some-buyers</loc>
        <lastmod>2018-01-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-properties-get-even-higher-price-tags</loc>
        <lastmod>2018-01-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-prices-to-further-deteriorate-in-the-next-two-years</loc>
        <lastmod>2018-01-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perths-property-market-on-the-road-to-recovery</loc>
        <lastmod>2018-01-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-house-prices-in-sydney-continue-to-slide</loc>
        <lastmod>2018-01-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-apras-home-loan-switch-could-trigger-homeowners-headaches</loc>
        <lastmod>2018-01-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-makes-certain-suburbs-vulnerable-to-price-crash</loc>
        <lastmod>2017-12-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-prices-still-far-from-tolerable-for-buyers-and-homeowners-alike</loc>
        <lastmod>2017-12-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-open-is-the-housing-market-to-bitcoin</loc>
        <lastmod>2017-12-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-soon-will-the-central-bank-raise-interest-rates</loc>
        <lastmod>2017-12-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-refunds-millions-of-overcharged-home-loans</loc>
        <lastmod>2017-12-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-australias-housing-market-is-cooling-in-a-nutshell</loc>
        <lastmod>2017-12-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-repayments-improve-in-australia</loc>
        <lastmod>2017-12-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-top-performing-canberra-suburbs-for-2017</loc>
        <lastmod>2017-12-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-top-performing-brisbane-suburbs-for-2017</loc>
        <lastmod>2017-12-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-will-the-housing-boom-in-australia-end</loc>
        <lastmod>2017-12-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-to-refund-11m-to-customers-affected-by-system-glitch</loc>
        <lastmod>2017-12-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbournes-dwelling-price-growth-could-hit-12-next-year</loc>
        <lastmod>2017-12-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/record-fine-imposed-on-melbourne-real-estate-firm-for-underquoting</loc>
        <lastmod>2017-12-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/canberra-housing-market-poised-for-another-stellar-year</loc>
        <lastmod>2017-12-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/median-house-price-for-combined-capitals-drops-over-september-quarter</loc>
        <lastmod>2017-12-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-firsttime-homebuyers-cant-afford-sydney</loc>
        <lastmod>2017-12-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-holiday-destinations-for-property-investors</loc>
        <lastmod>2017-12-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/strong-population-growth-may-not-save-house-prices-from-falling</loc>
        <lastmod>2017-12-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/momentum-continues-to-weaken-in-the-sydney-housing-market</loc>
        <lastmod>2017-12-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-official-interest-rates-on-their-way-up-or-down</loc>
        <lastmod>2017-12-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-boom-set-to-fade-as-price-growth-eases</loc>
        <lastmod>2017-12-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-report-asks-accc-to-examine-interestonly-mortgages</loc>
        <lastmod>2017-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-broking-reforms-proposed-to-financial-services-minister</loc>
        <lastmod>2017-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-do-sydneys-housing-values-compare-to-other-capitals</loc>
        <lastmod>2017-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/do-apras-measures-ease-the-risks-in-new-mortgage-lending</loc>
        <lastmod>2017-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-and-melbourne-remain-challenging-for-firsthome-buyers</loc>
        <lastmod>2017-12-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lending-to-investors-rose-slightly-in-october</loc>
        <lastmod>2017-12-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-foreign-buyers-affect-australian-home-prices</loc>
        <lastmod>2017-12-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homestart-finance-helped-many-sa-firsthome-buyers-enter-the-market</loc>
        <lastmod>2017-12-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/federal-government-guarantees-investment-in-affordable-housing</loc>
        <lastmod>2017-12-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apartment-supply-glut-could-dampen-housing-lot-demand-in-state-centres</loc>
        <lastmod>2017-12-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-improves-in-new-south-wales</loc>
        <lastmod>2017-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interestonly-home-loans-drop-to-historic-lows</loc>
        <lastmod>2017-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-firsthome-buyers-are-entering-the-property-market</loc>
        <lastmod>2017-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/4-factors-that-could-lead-to-a-property-market-crash</loc>
        <lastmod>2017-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reserve-bank-unlikely-to-cut-rates-despite-softening-prices</loc>
        <lastmod>2017-12-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-slashes-fixed-interest-rates-on-certain-loans</loc>
        <lastmod>2017-12-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/acts-property-market-records-stellar-november-turnout</loc>
        <lastmod>2017-12-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-lowinterest-rates-will-continue-supporting-the-australian-economy</loc>
        <lastmod>2017-12-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/royal-commission-investigates-lax-lending-standards</loc>
        <lastmod>2017-12-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-set-to-maintain-interest-rate</loc>
        <lastmod>2017-12-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/wa-becomes-third-state-to-process-refinances-online</loc>
        <lastmod>2017-12-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-will-the-royal-commission-affect-interest-rates</loc>
        <lastmod>2017-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/high-prices-havent-dampened-demand-in-manly</loc>
        <lastmod>2017-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-opinions-divided-over-home-prices</loc>
        <lastmod>2017-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-has-become-the-bane-of-australias-property-market</loc>
        <lastmod>2017-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/western-sydney-hit-hard-by-mortgage-stress</loc>
        <lastmod>2017-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-could-move-the-needle-for-an-interest-rate-hike</loc>
        <lastmod>2017-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/royal-commission-to-probe-into-alleged-bank-misconduct</loc>
        <lastmod>2017-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-global-warming-affects-housing-costs-in-australia</loc>
        <lastmod>2017-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/oecd-reserve-bank-should-raise-interest-rates</loc>
        <lastmod>2017-11-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rising-costs-shatter-lowincome-earners-housing-dreams</loc>
        <lastmod>2017-11-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commonwealth-bank-looks-to-toughen-its-lending-policies</loc>
        <lastmod>2017-11-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/its-high-time-for-buyers-to-lock-a-good-deal-in-sydney</loc>
        <lastmod>2017-11-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heritage-bank-slashes-interest-rates-on-home-loans</loc>
        <lastmod>2017-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-rolls-out-changes-to-credit-assessment-and-credit-policy</loc>
        <lastmod>2017-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-sydneys-housing-market-foundation-starting-to-collapse</loc>
        <lastmod>2017-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perths-property-prices-continue-to-slump</loc>
        <lastmod>2017-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-housing-boom-may-turn-into-a-burden</loc>
        <lastmod>2017-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-housing-market-showing-potential-instability</loc>
        <lastmod>2017-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cryptocurrencies-are-entering-australias-property-market</loc>
        <lastmod>2017-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/softening-house-prices-could-spark-new-household-boom</loc>
        <lastmod>2017-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonmajor-to-offer-loans-to-overseas-property-buyers</loc>
        <lastmod>2017-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-australia-can-solve-its-housing-shortage-for-vulnerable-people</loc>
        <lastmod>2017-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-the-australian-housing-market-bubble-burst-any-time-soon</loc>
        <lastmod>2017-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-housing-market-has-one-achilles-heel-exorbitant-debt</loc>
        <lastmod>2017-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-chief-urges-regulators-to-take-responsibility-for-interest-rate-hikes</loc>
        <lastmod>2017-11-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/canberras-inner-north-attracts-throngs-of-home-buyers</loc>
        <lastmod>2017-11-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-new-zealand-better-than-oz-at-tackling-housing-affordability</loc>
        <lastmod>2017-11-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interestonly-borrowers-take-bigger-financial-risks</loc>
        <lastmod>2017-11-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/imf-lowinterest-rate-is-here-to-stay</loc>
        <lastmod>2017-11-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-stokes-millennials-ire</loc>
        <lastmod>2017-11-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/do-homesharing-services-worsen-australias-housing-affordability</loc>
        <lastmod>2017-11-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-will-the-foreign-levy-hike-affect-south-australias-housing-market</loc>
        <lastmod>2017-11-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/former-nab-banker-implicated-in-home-loan-scam</loc>
        <lastmod>2017-11-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-price-slump-spells-trouble-for-aussie-banks</loc>
        <lastmod>2017-11-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-lenders-should-follow-prudent-and-responsible-policies</loc>
        <lastmod>2017-11-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/study-reveals-supply-glut-in-australian-housing-markets</loc>
        <lastmod>2017-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-homes-are-getting-smaller</loc>
        <lastmod>2017-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-surge-in-apartment-construction-could-pose-a-massive-housing-risk</loc>
        <lastmod>2017-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-a-shift-in-public-policy-could-ease-the-affordability-crisis</loc>
        <lastmod>2017-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/imf-dont-expect-any-correction-in-australias-housing-affordability</loc>
        <lastmod>2017-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/liar-loans-are-a-major-threat-to-household-stability</loc>
        <lastmod>2017-11-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/great-investment-opportunities-open-up-in-brisbane</loc>
        <lastmod>2017-11-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downsizers-fuel-demand-for-victorian-holiday-homes</loc>
        <lastmod>2017-11-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/demand-for-homes-in-sydneys-outer-fringes-has-sparked-a-building-boom</loc>
        <lastmod>2017-11-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apartment-developers-could-pull-the-plug-on-major-projects</loc>
        <lastmod>2017-11-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-fintech-launches-first-auctionstyle-platform-for-loans</loc>
        <lastmod>2017-11-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investors-are-retreating-from-the-housing-market</loc>
        <lastmod>2017-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-rbas-benchmark-interest-rate-wont-rise-any-time-soon</loc>
        <lastmod>2017-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/achieving-your-goals-through-property-investment</loc>
        <lastmod>2017-11-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-are-entering-the-market-in-record-numbers</loc>
        <lastmod>2017-11-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-familyfriendly-apartments-are-needed-in-australia</loc>
        <lastmod>2017-11-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-government-prioritises-affordable-rental-homes-for-critical-workers</loc>
        <lastmod>2017-11-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rbas-cash-rate-fails-to-budge-this-november</loc>
        <lastmod>2017-11-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/can-social-scoring-be-used-to-get-a-home-loan</loc>
        <lastmod>2017-11-07</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/a-major-school-zone-can-elevate-house-prices-in-a-suburb</loc>
        <lastmod>2017-11-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/governments-new-credit-reporting-system-should-be-closely-monitored</loc>
        <lastmod>2017-11-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/a-great-credit-history-will-get-you-a-better-interest-rate-next-year</loc>
        <lastmod>2017-11-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-lending-grew-modestly-in-september</loc>
        <lastmod>2017-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubs-the-housing-boom-is-on-its-last-legs</loc>
        <lastmod>2017-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-in-nsw-are-shopping-around</loc>
        <lastmod>2017-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-cooling-house-prices-may-lead-to-interest-rate-cuts</loc>
        <lastmod>2017-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-firsthome-buyers-are-entering-the-market-in-nsw</loc>
        <lastmod>2017-10-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/conditions-improve-for-firsthome-buyers-in-nsw-and-vic</loc>
        <lastmod>2017-10-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-still-manageable-in-adelaide</loc>
        <lastmod>2017-10-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/teachers-mutual-bank-limited-slashes-interest-rates</loc>
        <lastmod>2017-10-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-and-subsidiaries-offer-lower-pandi-rates</loc>
        <lastmod>2017-10-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-is-monitoring-household-debt-like-a-hawk</loc>
        <lastmod>2017-10-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbournes-median-house-prices-to-rise-10-2-by-2020</loc>
        <lastmod>2017-10-26</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-customers-are-the-most-satisfied-among-the-big-four</loc>
        <lastmod>2017-10-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-home-lending-standards-were-eroding</loc>
        <lastmod>2017-10-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/three-attractive-melbourne-suburbs-close-to-the-cbd</loc>
        <lastmod>2017-10-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-improves-in-perth-and-regional-wa</loc>
        <lastmod>2017-10-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apras-clampdown-prevented-a-crash-in-brisbane</loc>
        <lastmod>2017-10-24</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-lifted-interestonly-rates-to-meet-apras-regulatory-requirements</loc>
        <lastmod>2017-10-23</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aihw-homeownership-among-younger-aussies-has-declined</loc>
        <lastmod>2017-10-23</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lower-house-passes-first-home-super-saver-scheme</loc>
        <lastmod>2017-10-20</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/sandp-mortgage-arrears-are-starting-to-decline</loc>
        <lastmod>2017-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/some-refinancers-are-stuck-with-their-current-loans</loc>
        <lastmod>2017-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-house-prices-have-been-on-upswing-for-decades</loc>
        <lastmod>2017-10-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/8-of-mortgage-holders-have-little-equity-in-their-homes</loc>
        <lastmod>2017-10-17</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/income-needed-for-repayments-has-declined-over-the-last-decade</loc>
        <lastmod>2017-10-17</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interestonly-borrowers-vulnerable-to-payment-shock</loc>
        <lastmod>2017-10-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/morrison-aussie-property-as-safe-as-houses</loc>
        <lastmod>2017-10-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/chinese-demand-for-aussie-property-hasnt-wavered</loc>
        <lastmod>2017-10-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-and-westpac-ceos-grilled-over-interestonly-loans</loc>
        <lastmod>2017-10-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/asic-examines-lenders-interestonly-home-loans</loc>
        <lastmod>2017-10-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-property-developers-are-offering-buildtorent</loc>
        <lastmod>2017-10-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/owneroccupiers-should-aim-for-under-4-interest</loc>
        <lastmod>2017-10-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/confusion-swirls-around-home-loans-market</loc>
        <lastmod>2017-10-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussie-expats-are-buying-property-abroad</loc>
        <lastmod>2017-10-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investors-and-owneroccupiers-are-still-drawn-to-docklands</loc>
        <lastmod>2017-10-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/breaking-down-the-housing-affordability-crisis</loc>
        <lastmod>2017-10-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/noosa-experiences-another-strong-year-of-growth</loc>
        <lastmod>2017-10-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/places-in-regional-victoria-that-are-a-step-above-melbourne</loc>
        <lastmod>2017-10-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/do-you-know-if-youre-on-interestonly</loc>
        <lastmod>2017-10-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubs-sydney-could-be-in-housing-bubble-territory</loc>
        <lastmod>2017-10-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-prices-in-sydney-are-starting-to-drop</loc>
        <lastmod>2017-10-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-are-being-pushed-to-the-shadow-banking-sector</loc>
        <lastmod>2017-10-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/you-need-a-sixfigure-income-to-buy-a-home</loc>
        <lastmod>2017-10-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-stress-climbing-despite-record-low-interest-rates</loc>
        <lastmod>2017-09-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suncorp-rolls-out-new-pricing-for-interestonly-loans</loc>
        <lastmod>2017-09-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/racq-bank-to-offer-mortgage-products</loc>
        <lastmod>2017-09-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lending-for-apartments-will-be-tightened-in-brisbane-and-perth</loc>
        <lastmod>2017-09-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-cash-rate-could-be-locked-in-until-2020</loc>
        <lastmod>2017-09-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/quirks-in-the-qld-property-market-investors-should-be-aware-of</loc>
        <lastmod>2017-09-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-unveils-new-repayment-simulator</loc>
        <lastmod>2017-09-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/future-rate-hikes-could-send-many-households-over-the-edge</loc>
        <lastmod>2017-09-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-worsens-in-melbourne</loc>
        <lastmod>2017-09-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-lack-of-transparency-in-mortgage-market-is-hurting-borrowers</loc>
        <lastmod>2017-09-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/townsville-housing-market-is-reviving</loc>
        <lastmod>2017-09-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-delinquencies-climb-to-fiveyear-high</loc>
        <lastmod>2017-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/spring-is-heating-up-the-housing-markets</loc>
        <lastmod>2017-09-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-property-investors-as-rich-as-they-appear</loc>
        <lastmod>2017-09-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/be-proactive-about-getting-a-better-mortgage-deal</loc>
        <lastmod>2017-09-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/number-of-loans-to-firsthome-buyers-is-growing</loc>
        <lastmod>2017-09-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/asic-leads-probe-into-scandalridden-big-four</loc>
        <lastmod>2017-09-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-reduces-rates-offers-refinancing-rebates</loc>
        <lastmod>2017-09-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suncorp-unveils-new-discounts-on-mortgage-products</loc>
        <lastmod>2017-09-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/liar-loans-could-threaten-financial-system</loc>
        <lastmod>2017-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/getting-a-loan-from-your-parents-could-lead-to-financial-stress</loc>
        <lastmod>2017-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commonwealth-bank-probe-to-focus-on-governance-pay-culture</loc>
        <lastmod>2017-09-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/treasurer-morrison-australians-have-buffer-against-possible-rate-hikes</loc>
        <lastmod>2017-09-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-marks-26-recessionfree-years</loc>
        <lastmod>2017-09-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-stress-remains-elevated-in-cairns</loc>
        <lastmod>2017-09-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-report-exposes-whitecollar-criminality-in-the-mortgage-market</loc>
        <lastmod>2017-09-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hsbc-unveils-competitive-new-rate-for-owneroccupiers</loc>
        <lastmod>2017-09-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/asic-releases-educational-videos-for-homebuyers</loc>
        <lastmod>2017-09-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-are-cooling-in-sydney-and-melbourne</loc>
        <lastmod>2017-09-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heritage-bank-rolls-out-changes-to-its-loan-products</loc>
        <lastmod>2017-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hsbc-to-expand-its-mortgage-business-in-oz</loc>
        <lastmod>2017-09-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brokers-dont-always-act-in-the-best-interest-of-clients</loc>
        <lastmod>2017-09-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apras-curbs-on-interestonly-loans-are-having-the-desired-effect</loc>
        <lastmod>2017-08-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lowincome-earners-still-cant-afford-housing-in-perth</loc>
        <lastmod>2017-08-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/teneriffe-could-become-brisbanes-first-3m-suburb</loc>
        <lastmod>2017-08-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/david-koch-impending-housing-market-crash-is-scaremongering</loc>
        <lastmod>2017-08-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/many-elderly-parents-are-being-forced-to-downsize-prematurely</loc>
        <lastmod>2017-08-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fractional-property-investment-comes-to-adelaide</loc>
        <lastmod>2017-08-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/western-sydney-homeowners-can-help-combat-homelessness</loc>
        <lastmod>2017-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-in-denial-about-australias-mortgage-debt-crisis</loc>
        <lastmod>2017-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bank-of-mum-and-dad-outperforming-conventional-lenders</loc>
        <lastmod>2017-08-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/many-millennials-are-relying-on-an-inheritance-to-buy-homes</loc>
        <lastmod>2017-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/gen-y-homeowners-fearful-of-interest-rate-rises</loc>
        <lastmod>2017-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/repayments-top-30k-annually-in-these-sydney-suburbs</loc>
        <lastmod>2017-08-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/accc-chairman-surprised-banks-move-their-interest-rates-in-sync</loc>
        <lastmod>2017-08-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/young-sydneysiders-are-less-keen-on-homeownership</loc>
        <lastmod>2017-08-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-interest-rates-might-rise-sooner-than-expected</loc>
        <lastmod>2017-08-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/qlds-regional-towns-could-be-the-next-property-hotspot</loc>
        <lastmod>2017-08-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/accc-begins-its-assessment-of-the-big-five</loc>
        <lastmod>2017-08-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-to-refund-10m-of-insurance-to-customers</loc>
        <lastmod>2017-08-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-social-housing-aims-to-transform-ivanhoe-estate</loc>
        <lastmod>2017-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/a-new-suburb-will-be-built-in-west-melbourne</loc>
        <lastmod>2017-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-interest-rates-more-likely-to-rise-than-fall</loc>
        <lastmod>2017-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/surging-house-prices-threaten-liveability-in-melbourne</loc>
        <lastmod>2017-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hia-foreign-investors-pay-more-in-stamp-duty-compared-to-locals</loc>
        <lastmod>2017-08-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/citi-blacklists-87-suburbs-across-australia</loc>
        <lastmod>2017-08-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-super-saver-scheme-could-drain-super-accounts--study</loc>
        <lastmod>2017-08-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussies-are-using-their-super-to-pay-off-mortgages</loc>
        <lastmod>2017-08-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/positive-data-could-change-mortgage-approvals</loc>
        <lastmod>2017-08-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-greens-unveil-ambitious-new-housing-plan</loc>
        <lastmod>2017-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/moodys-loans-to-property-investors-facing-increased-risk</loc>
        <lastmod>2017-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-borrowing-has-hit-a-record-1-69trn</loc>
        <lastmod>2017-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-requires-more-screening-for-interestonly-applicants</loc>
        <lastmod>2017-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-does-the-average-property-investor-look-like</loc>
        <lastmod>2017-08-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubs-mortgage-fraud-could-be-increasing</loc>
        <lastmod>2017-08-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/young-homeowners-are-vulnerable-to-interest-rate-hikes</loc>
        <lastmod>2017-08-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-homeowners-in-qld-at-risk-of-defaulting</loc>
        <lastmod>2017-08-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-stress-could-worsen-in-the-mining-regions</loc>
        <lastmod>2017-08-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/households-in-mortgage-stress-rose-in-july</loc>
        <lastmod>2017-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-leaves-cash-rate-on-hold-in-august</loc>
        <lastmod>2017-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeownership-drops-in-sydneys-inner-and-middlering-suburbs</loc>
        <lastmod>2017-07-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mystate-refunds-overcharged-interest-and-fees-to-customers</loc>
        <lastmod>2017-07-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-and-its-subsidiaries-hike-rates</loc>
        <lastmod>2017-07-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-than-a-million-dwellings-in-australia-are-unoccupied</loc>
        <lastmod>2017-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubs-housing-market-could-crash-if-rba-isnt-careful</loc>
        <lastmod>2017-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bankwest-lifts-rates-for-interestonly-loans</loc>
        <lastmod>2017-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-return-to-more-affordable-levels-in-mining-towns</loc>
        <lastmod>2017-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-should-anticipate-a-possible-rate-hike</loc>
        <lastmod>2017-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/repayments-will-go-up--and-you-can-thank-the-rba-and-apra</loc>
        <lastmod>2017-07-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/could-the-rbas-cash-rate-rise-two-percentage-points</loc>
        <lastmod>2017-07-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-choosing-the-right-mortgage-is-hard-for-firsthome-buyers</loc>
        <lastmod>2017-07-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-applications-drop-in-second-quarter</loc>
        <lastmod>2017-07-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/to-break-monopoly-many-smaller-lenders-could-become-banks</loc>
        <lastmod>2017-07-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-fight-to-reduce-brokers-commissions-wears-on</loc>
        <lastmod>2017-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowing-against-the-home-a-strategy-to-pay-for-aged-care</loc>
        <lastmod>2017-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-slashes-growth-forecasts-for-houses-units</loc>
        <lastmod>2017-07-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/broking-industry-wants-to-reform-commission-structures</loc>
        <lastmod>2017-07-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/advantedge-hikes-rates-on-interestonly-loans</loc>
        <lastmod>2017-07-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/while-darwins-house-prices-plunge-hobarts-recovers</loc>
        <lastmod>2017-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-lending-to-investors-falls-for-second-straight-month</loc>
        <lastmod>2017-07-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nationally-fewer-households-now-experience-mortgage-stress</loc>
        <lastmod>2017-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-stress-worsens-in-victoria</loc>
        <lastmod>2017-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-is-declining-customers-with-high-loantoincome-ratios</loc>
        <lastmod>2017-07-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rates-of-homeownership-falling-among-younger-aussies</loc>
        <lastmod>2017-07-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-borrowers-will-continue-to-pay-through-the-roof</loc>
        <lastmod>2017-07-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-and-melbourne-rise-in-global-ranking-of-dwelling-prices</loc>
        <lastmod>2017-07-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bendigo-and-adelaide-bank-ing-direct-target-interestonly-borrowers</loc>
        <lastmod>2017-07-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-could-clamp-down-on-interestonly-loans-again</loc>
        <lastmod>2017-07-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/morrison-housing-market-now-favours-owneroccupiers</loc>
        <lastmod>2017-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-stress-is-growing-in-perths-outer-suburbs</loc>
        <lastmod>2017-07-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-flat-over-the-quarter-in-sydney-melbourne</loc>
        <lastmod>2017-07-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2016-census-shows-impact-of-housing-affordability-crisis</loc>
        <lastmod>2017-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/me-bank-rolls-out-latest-changes-to-home-loans</loc>
        <lastmod>2017-07-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-are-working-longer-due-to-mortgage-debt</loc>
        <lastmod>2017-06-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/do-interestonly-loans-still-make-sense</loc>
        <lastmod>2017-06-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hikes-to-interestonly-rates-will-lead-to-mortgage-stress</loc>
        <lastmod>2017-06-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interest-rates-could-rise-two-percentage-points</loc>
        <lastmod>2017-06-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeownership-is-slowly-slipping-away-census-reveals</loc>
        <lastmod>2017-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-hikes-its-interestonly-rates</loc>
        <lastmod>2017-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/variable-rates-for-banksa-customers-might-rise</loc>
        <lastmod>2017-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-homeowners-vulnerable-to-interest-rate-hikes--study</loc>
        <lastmod>2017-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-rates-could-rise-in-south-australia</loc>
        <lastmod>2017-06-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-gives-owneroccupiers-some-respite</loc>
        <lastmod>2017-06-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-the-property-boom-has-transformed-sydney</loc>
        <lastmod>2017-06-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-fraud-is-on-the-rise</loc>
        <lastmod>2017-06-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-housing-market-headed-for-a-soft-landing</loc>
        <lastmod>2017-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussies-are-falling-behind-on-repayments</loc>
        <lastmod>2017-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-hits-investors-with-higher-interest-rates</loc>
        <lastmod>2017-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/many-aussies-think-only-the-wealthy-can-afford-homes</loc>
        <lastmod>2017-06-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbournes-suburbs-are-becoming-pricier</loc>
        <lastmod>2017-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-are-using-brokers-to-rebalance-their-mortgage-portfolios</loc>
        <lastmod>2017-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-aussie-dream-is-alive-and-wellbut-its-evolving</loc>
        <lastmod>2017-06-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/higher-mortgage-costs-are-discouraging-investors</loc>
        <lastmod>2017-06-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bankwest-hikes-rates-for-interestonly-borrowers</loc>
        <lastmod>2017-06-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/teachers-mutual-bank-raises-variable-and-fixed-interest-rates</loc>
        <lastmod>2017-06-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-property-prices-to-slow-sharply-this-year</loc>
        <lastmod>2017-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interestonly-borrowers-to-be-charged-higher-premiums</loc>
        <lastmod>2017-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lending-for-housing-falls-for-third-straight-month</loc>
        <lastmod>2017-06-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brokers-slam-apras-crackdown-on-interestonly-loans</loc>
        <lastmod>2017-06-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-moves-up-in-global-house-price-index</loc>
        <lastmod>2017-06-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/great-investment-opportunities-in-the-postboom-market</loc>
        <lastmod>2017-06-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/it-takes-decades-to-save-for-a-firsthome-deposit-in-sydney</loc>
        <lastmod>2017-06-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-may-cut-the-cash-rate-again</loc>
        <lastmod>2017-06-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perths-property-market-takes-another-hit</loc>
        <lastmod>2017-06-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-market-crash-unlikely-analysts-say</loc>
        <lastmod>2017-06-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bankwest-targets-principalandinterest-borrowers</loc>
        <lastmod>2017-06-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-we-prepare-for-the-end-of-the-housing-boom</loc>
        <lastmod>2017-06-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-raises-rates-on-interestonly-loans</loc>
        <lastmod>2017-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cash-rate-will-likely-stay-at-record-low</loc>
        <lastmod>2017-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/morrison-delays-first-payment-of-new-bank-levy</loc>
        <lastmod>2017-05-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-a-20-deposit-always-necessary</loc>
        <lastmod>2017-05-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-and-melbournes-property-markets-stay-strong</loc>
        <lastmod>2017-05-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/young-people-should-enjoy-their-smashed-avo-on-toast</loc>
        <lastmod>2017-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-development-set-to-reinvigorate-kirrawee</loc>
        <lastmod>2017-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-and-subsidiaries-roll-out-changes-to-loan-products</loc>
        <lastmod>2017-05-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-tightens-restrictions-on-interestonly-loans</loc>
        <lastmod>2017-05-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-eases-rates-and-conditions-on-some-investor-loans</loc>
        <lastmod>2017-05-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-could-be-favouring-its-branch-network-over-brokers</loc>
        <lastmod>2017-05-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/major-cities-and-suburbs-could-be-underwater-by-2100</loc>
        <lastmod>2017-05-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-market-one-more-trigger-away-from-a-slowdown</loc>
        <lastmod>2017-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reiwa-denounces-270-levy-for-property-investors</loc>
        <lastmod>2017-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-clamps-down-on-interestonly-loans-for-owneroccupiers</loc>
        <lastmod>2017-05-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-tightens-noose-on-interestonly-borrowers</loc>
        <lastmod>2017-05-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-clamps-down-further-on-interestonly-loans</loc>
        <lastmod>2017-05-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/accc-to-examine-big-banks-mortgage-rate-increases</loc>
        <lastmod>2017-05-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/morrison-orders-accc-to-investigate-the-big-banks</loc>
        <lastmod>2017-05-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hsbc-returns-to-aussie-mortgage-market</loc>
        <lastmod>2017-05-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubank-launches-chatbot-for-home-loan-applications</loc>
        <lastmod>2017-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-tenanted-properties-always-a-winwin-situation</loc>
        <lastmod>2017-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hia-supports-federal-budgets-focus-on-housing</loc>
        <lastmod>2017-05-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbournes-many-attractions-are-drawing-new-residents</loc>
        <lastmod>2017-05-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-super-saver-scheme-likely-to-be-ineffective</loc>
        <lastmod>2017-05-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/analysts-housing-affordability-measures-offer-tepid-solutions</loc>
        <lastmod>2017-05-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-banks-slammed-with-new-6-2bn-levy</loc>
        <lastmod>2017-05-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-federal-budget-measures-help-canberras-firsthome-buyers</loc>
        <lastmod>2017-05-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2017-federal-budget-addresses-housing-affordability</loc>
        <lastmod>2017-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downsizers-given-a-300000-incentive-to-sell</loc>
        <lastmod>2017-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-can-finally-dip-into-super-for-deposit</loc>
        <lastmod>2017-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/62-of-adult-millennials-cant-afford-to-move-out</loc>
        <lastmod>2017-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/can-future-generations-afford-homes</loc>
        <lastmod>2017-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-incentives-for-downsizing-wont-work</loc>
        <lastmod>2017-05-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-interest-rates-wont-stay-at-record-lows-forever</loc>
        <lastmod>2017-05-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-than-half-of-homebuyers-vulnerable-to-mortgage-stress</loc>
        <lastmod>2017-05-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suncorp-announces-new-offer-for-firsthome-buyers</loc>
        <lastmod>2017-05-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/genworth-borrowers-using-unsecured-debt-to-fund-deposits</loc>
        <lastmod>2017-05-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affluent-suburbs-are-experiencing-mortgage-stress</loc>
        <lastmod>2017-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/you-need-to-save-2500-each-month-to-have-a-deposit-by-2020</loc>
        <lastmod>2017-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-dont-stack-up-well-against-average-incomes</loc>
        <lastmod>2017-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-leaves-official-cash-rate-unchanged</loc>
        <lastmod>2017-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/about-20-of-aussies-expect-to-retire-with-a-mortgage</loc>
        <lastmod>2017-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/households-experiencing-mortgage-stress-soar</loc>
        <lastmod>2017-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/deloitte-governments-new-measures-unlikely-to-help-firsthome-buyers</loc>
        <lastmod>2017-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/multigenerational-living-is-fast-gaining-traction</loc>
        <lastmod>2017-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-lifts-interest-rates-on-owneroccupier-investor-loans</loc>
        <lastmod>2017-05-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-we-cannot-control-house-prices</loc>
        <lastmod>2017-05-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-clamp-down-on-property-investors</loc>
        <lastmod>2017-04-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/moodys-housing-affordability-continues-to-worsen</loc>
        <lastmod>2017-04-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/downsizers-may-be-exempted-from-pension-assets-test</loc>
        <lastmod>2017-04-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/residential-land-showing-signs-of-supply-pressures</loc>
        <lastmod>2017-04-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/300000-victorian-households-struggling-to-meet-repayments</loc>
        <lastmod>2017-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-turnbull-shifting-his-position-on-housing-affordability</loc>
        <lastmod>2017-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-lifts-interest-rates-on-fixedrate-interestonly-loans</loc>
        <lastmod>2017-04-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/relocating-can-boost-emotional-wellbeing</loc>
        <lastmod>2017-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-lifts-mortgage-rates-for-investor-and-interestonly-loans</loc>
        <lastmod>2017-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/owneroccupiers-investors-drawn-to-port-macquarie</loc>
        <lastmod>2017-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-and-unit-rents-increasing-in-most-capitals</loc>
        <lastmod>2017-04-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/signs-of-stabilisation-emerge-in-perth-housing-market</loc>
        <lastmod>2017-04-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/citigroup-freezes-new-interestonly-lending-to-foreigners</loc>
        <lastmod>2017-04-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lowincome-households-turning-to-negative-gearing</loc>
        <lastmod>2017-04-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-greater-restrictions-on-home-loans-just-around-the-corner</loc>
        <lastmod>2017-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-governor-shines-spotlight-on-households-facing-mortgage-stress</loc>
        <lastmod>2017-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bank-of-queensland-hikes-its-investment-mortgage-interest-rates</loc>
        <lastmod>2017-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-with-at-least-5-rental-properties-has-increased</loc>
        <lastmod>2017-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tony-abbott-shares-his-views-on-improving-housing-affordability</loc>
        <lastmod>2017-04-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/may-budget-to-address-plight-of-younger-firsthome-buyers</loc>
        <lastmod>2017-04-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/smaller-lenders-increase-their-lending-rates</loc>
        <lastmod>2017-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-shifts-its-rates-for-the-fifth-time-in-a-month</loc>
        <lastmod>2017-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/median-asking-price-for-houses-in-canberra-surges</loc>
        <lastmod>2017-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/analysts-cant-agree-on-the-nature-of-the-next-downturn</loc>
        <lastmod>2017-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/scott-morrison-leave-negative-gearing-alone</loc>
        <lastmod>2017-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-luxurious-apartments-in-melbourne-target-empty-nesters</loc>
        <lastmod>2017-04-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/85m-worth-of-canberra-property-was-auctioned-last-saturday</loc>
        <lastmod>2017-04-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nabs-former-ceo-issues-dire-warning-about-interestonly-loans</loc>
        <lastmod>2017-04-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rents-predicted-to-fall-in-brisbane-apartment-market</loc>
        <lastmod>2017-04-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-need-to-brace-for-higher-interest-rates</loc>
        <lastmod>2017-04-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/credit-union-australia-temporarily-freezes-investor-lending-applications</loc>
        <lastmod>2017-04-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reserve-bank-issues-stern-warning-to-mortgage-lenders</loc>
        <lastmod>2017-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/controversial-rentbidding-app-to-launch-in-australia</loc>
        <lastmod>2017-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bankwest-ing-direct-will-lift-mortgage-rates-up-to-25-basis-points</loc>
        <lastmod>2017-04-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apras-clampdown-on-interestonly-lending-could-trigger-price-drops</loc>
        <lastmod>2017-04-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-imposes-new-limits-on-interestonly-mortgage-lending</loc>
        <lastmod>2017-04-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/me-bank-ing-direct-raise-mortgage-rates</loc>
        <lastmod>2017-04-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-collectible-homes--are-attracting-discerning-buyers</loc>
        <lastmod>2017-04-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melburnian-house-hunters-are-moving-to-more-affordable-fringe-suburbs</loc>
        <lastmod>2017-03-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interestrate-risk-biggest-problem-facing-firsthome-buyers</loc>
        <lastmod>2017-03-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-face-risks-from-high-household-debt-overheated-property-market</loc>
        <lastmod>2017-03-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-hikes-its-mortgage-rates</loc>
        <lastmod>2017-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/economists-think-capital-gains-tax-should-be-abolished</loc>
        <lastmod>2017-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bendigo-and-adelaide-bank-shift-its-mortgage-rates</loc>
        <lastmod>2017-03-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2-lift-in-mortgage-rates-could-cause-house-prices-to-tumble-nationwide</loc>
        <lastmod>2017-03-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-retirees-are-dipping-into-their-super-to-meet-mortgage-repayments</loc>
        <lastmod>2017-03-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/john-hewson-the-housing-market-is-in-a-bubble</loc>
        <lastmod>2017-03-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordability-crisis-threatening-elderly-with-homelessness</loc>
        <lastmod>2017-03-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/here-are-brisbanes-fastestselling-suburbs</loc>
        <lastmod>2017-03-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reia-firsthome-buyers-who-use-super-more-likely-to-end-up-with-big-nest-eggs</loc>
        <lastmod>2017-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-social-and-economic-impact-of-the-housing-affordability-crisis</loc>
        <lastmod>2017-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/record-supply-of-new-stock-scheduled-to-flood-brisbane-apartment-market</loc>
        <lastmod>2017-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/regulators-politicians-slam-big-banks-outofcycle-rate-hikes</loc>
        <lastmod>2017-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-anz-expected-to-hike-interest-rates-this-week</loc>
        <lastmod>2017-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/morrison-firsthome-buyers-wont-be-allowed-to-dip-into-super-to-fund-deposits</loc>
        <lastmod>2017-03-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-apartment-rooftops-now-boast-worldclass-amenities</loc>
        <lastmod>2017-03-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/turnbull-wont-rule-out-using-super-for-firsthome-buyers-deposit</loc>
        <lastmod>2017-03-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-raises-home-loan-interest-rates-for-investors-owneroccupiers</loc>
        <lastmod>2017-03-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-hikes-mortgage-rates-across-its-lending-book</loc>
        <lastmod>2017-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-borrowers-can-expect-higher-interest-rates-after-us-fed-hike</loc>
        <lastmod>2017-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/asic-wants-to-reform-mortgage-broker-remuneration</loc>
        <lastmod>2017-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-ponders-tighter-lending-standards</loc>
        <lastmod>2017-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/houseprice-collapse-it-wouldnt-take-much-one-report-says</loc>
        <lastmod>2017-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/job-security-causes-mortgage-holders-sleepless-nights</loc>
        <lastmod>2017-03-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-government-may-increase-stamp-duty-for-foreign-investors</loc>
        <lastmod>2017-03-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rise-in-us-interest-rates-would-negatively-impact-australias-mortgage-belt</loc>
        <lastmod>2017-03-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/federal-government-wants-to-clamp-down-on-foreign-buyers</loc>
        <lastmod>2017-03-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuyers-risk-heavy-losses-by-overborrowing</loc>
        <lastmod>2017-03-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/abs-home-financing-rises-unexpectedly-in-january</loc>
        <lastmod>2017-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/there-is-no-housing-bubble-big-banks-insist</loc>
        <lastmod>2017-03-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/if-you-have-less-than-1m-forget-about-buying-a-house-in-melbourne</loc>
        <lastmod>2017-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-people-are-choosing-to-live-alone--and-its-impacting-housing-supply</loc>
        <lastmod>2017-03-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-retracts-plans-to-introduce-tracker-mortgages</loc>
        <lastmod>2017-03-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/andrews-labor-government-reforms-stamp-duty-for-firsthome-buyers</loc>
        <lastmod>2017-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dfa-nearly-two-million-households-locked-out-of-property-market</loc>
        <lastmod>2017-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-and-nonbank-lenders-continue-to-tighten-rules-add-new-fees</loc>
        <lastmod>2017-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/one-million-households-in-danger-of-mortgage-stress</loc>
        <lastmod>2017-03-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/asic-is-assessing-mortgage-lending-standards-across-the-banking-sector</loc>
        <lastmod>2017-03-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dissecting-australias-property-boom</loc>
        <lastmod>2017-03-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/asic-accuses-westpac-of-breaching-responsible-lending-provisions</loc>
        <lastmod>2017-03-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/understand-risks-before-jumping-into-property-market</loc>
        <lastmod>2017-03-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-current-housing-market-growth-largely-restricted-to-nsw-and-vic</loc>
        <lastmod>2017-02-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-and-other-lenders-raise-borrowing-rates-by-up-to-50-basis-points</loc>
        <lastmod>2017-02-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/consumer-groups-want-government-to-ban-mortgage-broker-commissions</loc>
        <lastmod>2017-02-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-expect-housing-affordability-to-deteriorate-in-next-10-years</loc>
        <lastmod>2017-02-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-banks-forgo-the-deposit-for-firsthome-buyers-with-solid-rental-histories</loc>
        <lastmod>2017-02-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-would-a-sovereign-credit-rating-downgrade-affect-home-loan-borrowers</loc>
        <lastmod>2017-02-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/national-affordable-housing-agreement-should-be-rebooted</loc>
        <lastmod>2017-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-need-to-monitor-pockets-of-potential-stress-in-mortgage-market</loc>
        <lastmod>2017-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-clamps-down-on-investment-lending-practices-via-thirdparty-channels</loc>
        <lastmod>2017-02-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/most-aussies-think-mortgage-rates-will-increase-over-the-next-12-months</loc>
        <lastmod>2017-02-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-places-greater-restrictions-on-some-of-its-investor-property-lending</loc>
        <lastmod>2017-02-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-to-raise-some-rates-for-interestonly-investor-loans</loc>
        <lastmod>2017-02-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-commitments-continue-to-chug-along-in-december</loc>
        <lastmod>2017-02-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bankwest-axes-negative-gearing-benefits</loc>
        <lastmod>2017-02-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-and-nab-trying-to-woo-disgruntled-bankwest-customers</loc>
        <lastmod>2017-02-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordable-rentals-disappearing-in-melbourne</loc>
        <lastmod>2017-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-wooing-propertyinvestor-borrowers-from-rivals</loc>
        <lastmod>2017-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/financial-counsellors-report-a-spike-in-mortgage-stress</loc>
        <lastmod>2017-02-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/werribee-a-melbourne-suburb-with-a-difference</loc>
        <lastmod>2017-02-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/most-aussies-dont-know-their-home-loan-rate</loc>
        <lastmod>2017-02-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-you-refinance-your-home-loan-this-year</loc>
        <lastmod>2017-02-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bankwest-discontinues-property-investment-lending-to-new-customers</loc>
        <lastmod>2017-02-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-the-property-market-due-for-a-sharp-correction</loc>
        <lastmod>2017-02-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-leaves-official-cash-rate-on-hold</loc>
        <lastmod>2017-02-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-spike-in-highly-ranked-sydney-school-zones</loc>
        <lastmod>2017-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussies-turning-to-small-and-midtier-banks-to-refinance</loc>
        <lastmod>2017-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-rolls-out-new-application-requirements-for-genxers</loc>
        <lastmod>2017-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/greater-melbourne-housing-markets-grew-strongly-in-2016</loc>
        <lastmod>2017-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bankwest-refunds-4-9m-in-mortgage-interest-payments</loc>
        <lastmod>2017-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-thinking-outside-the-box-to-buy-property</loc>
        <lastmod>2017-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-the-aussie-dream-home-has-changed</loc>
        <lastmod>2017-02-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tasmania-now-most-affordable-state-for-housing</loc>
        <lastmod>2017-02-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cashstrapped-retirees-turning-to-reverse-mortgages</loc>
        <lastmod>2017-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-mortgage-applications-on-the-rise-in-canberra</loc>
        <lastmod>2017-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nearly-7-of-aussie-mortgage-holders-face-equity-risk</loc>
        <lastmod>2017-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-plummeting-in-regional-australia</loc>
        <lastmod>2017-01-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/coalition-housing-affordability-debate-should-include-negative-gearing</loc>
        <lastmod>2017-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/canberra-auction-sales-spike</loc>
        <lastmod>2017-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-coown-a-holiday-property-without-destroying-relationships</loc>
        <lastmod>2017-01-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneysiders-drawn-to-brisbanes-more-affordable-homes</loc>
        <lastmod>2017-01-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-rents-on-the-rise-in-most-capital-cities</loc>
        <lastmod>2017-01-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/signs-of-housing-market-recovery-in-many-queensland-regional-centres</loc>
        <lastmod>2017-01-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-boosts-2017-forecast-for-house-price-growth</loc>
        <lastmod>2017-01-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/berejiklian-to-make-housing-affordability-a-priority</loc>
        <lastmod>2017-01-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/price-spike-makes-wollongong-third-most-expensive-city-in-australia</loc>
        <lastmod>2017-01-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-group-avoids-shifting-its-standard-variable-investor-rates</loc>
        <lastmod>2017-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbournes-median-house-price-will-soon-exceed-800000</loc>
        <lastmod>2017-01-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/san-franciscobased-online-lender-to-enter-aussie-mortgage-market</loc>
        <lastmod>2017-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-the-reserve-bank-may-favour-slightly-higher-mortgage-rates</loc>
        <lastmod>2017-01-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/one-in-five-aussies-in-danger-of-losing-their-homes-if-interest-rates-rise</loc>
        <lastmod>2017-01-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-sydney-and-melbournes-property-prices-are-linked-to-the-chinese-money-exodus</loc>
        <lastmod>2017-01-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/wa-government-adds-a-temporary-5000-boost-to-the-first-home-owner-grant</loc>
        <lastmod>2017-01-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-number-of-single-homebuyers-has-declined-considerably-over-the-past-two-years</loc>
        <lastmod>2017-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/karratha-borrowers-most-at-risk-of-mortgage-default-this-year</loc>
        <lastmod>2017-01-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/many-firsthome-buyers-are-effectively-locked-out-of-the-property-market</loc>
        <lastmod>2017-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-and-anz-hike-fixed-interest-rates-on-home-loans</loc>
        <lastmod>2017-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-act-government-has-reduced-its-first-home-owner-grant</loc>
        <lastmod>2017-01-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-should-brace-themselves-for-a-cash-rate-increase</loc>
        <lastmod>2017-01-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-buying-better-than-renting</loc>
        <lastmod>2017-01-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/capital-city-apartment-approvals-continue-to-slide</loc>
        <lastmod>2017-01-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-payments-consume-about-17-of-borrowers-incomes</loc>
        <lastmod>2017-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/wealthier-households-are-more-vulnerable-to-mortgage-stress</loc>
        <lastmod>2017-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suncorp-hikes-its-home-loan-and-small-business-interest-rates</loc>
        <lastmod>2017-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/key-predictions-for-the-property-market-in-2017</loc>
        <lastmod>2017-01-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-most-affordable-beachside-towns-within-three-hours-of-sydney</loc>
        <lastmod>2017-01-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nine-best-suburbs-for-home-buyers-and-sellers-in-brisbane</loc>
        <lastmod>2017-01-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/abs-reports-largely-positive-results-for-capital-city-markets</loc>
        <lastmod>2016-12-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/a-possible-cut-to-australias-aaa-credit-rating-worries-households</loc>
        <lastmod>2016-12-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-can-expect-additional-mortgage-rate-increases</loc>
        <lastmod>2016-12-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stamp-duty-is-the-most-significant-barrier-to-homeownership-in-nsw</loc>
        <lastmod>2016-12-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perths-property-prices-decline-for-seventh-straight-quarter</loc>
        <lastmod>2016-12-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-hikes-variable-mortgage-rates-for-property-investors</loc>
        <lastmod>2016-12-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-keeps-official-interest-rates-on-hold</loc>
        <lastmod>2016-12-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-and-westpac-raise-interest-rates-on-some-variable-mortgages</loc>
        <lastmod>2016-12-06</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-flipping-is-on-the-rise</loc>
        <lastmod>2016-12-06</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cbas-mortgage-growth-stalls-as-discounts-are-wound-back</loc>
        <lastmod>2016-12-02</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suburbs-in-the-greater-sydney-area-where-homes-cost-less-than-500000</loc>
        <lastmod>2016-12-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cashrich-buyers-are-flocking-to-south-east-queensland</loc>
        <lastmod>2016-12-01</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/oecd-recommends-higher-interest-rates</loc>
        <lastmod>2016-11-30</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-reasons-home-loan-applications-get-rejected</loc>
        <lastmod>2016-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-are-raising-the-cost-of-purchasing-property-by-up-to-60-basis-points</loc>
        <lastmod>2016-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/joint-mortgage-applications-on-the-rise</loc>
        <lastmod>2016-11-28</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-increases-interest-rates-on-its-mortgage-loans</loc>
        <lastmod>2016-11-28</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/parents-extended-longevity-is-preventing-their-children-from-affording-homes</loc>
        <lastmod>2016-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-wealthiest-aussie-cities-in-terms-of-home-equity</loc>
        <lastmod>2016-11-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-onebedroom-apartments-are-unaffordable-for-many-firsthome-buyers</loc>
        <lastmod>2016-11-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-and-westpac-home-loans-guaranteed-by-parents-are-on-the-rise</loc>
        <lastmod>2016-11-23</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsthome-buyers-in-sa-feel-less-confident-about-meeting-mortgage-repayments</loc>
        <lastmod>2016-11-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-are-demanding-large-deposits-from-home-buyers-in-australias-mining-towns</loc>
        <lastmod>2016-11-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homes-are-increasingly-unaffordable-for-perths-lowincome-earners</loc>
        <lastmod>2016-11-22</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-are-offering-big-incentives-to-buyers-of-luxury-properties</loc>
        <lastmod>2016-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/imf-says-aussie-property-market-faces-acute-risks</loc>
        <lastmod>2016-11-18</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgagees-in-regional-areas-hit-hard-by-rising-national-unemployment</loc>
        <lastmod>2016-11-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-borrowers-shouldnt-rush-to-lock-in-their-interest-rates</loc>
        <lastmod>2016-11-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-are-quietly-raising-fixedrate-mortgages-by-up-to-45-basis-points</loc>
        <lastmod>2016-11-17</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/staircasing-could-help-more-aussies-enter-the-property-market</loc>
        <lastmod>2016-11-15</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brisbanes-cheaper-house-prices-are-great-for-firsthome-buyers</loc>
        <lastmod>2016-11-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/should-parents-use-loans-to-help-children-buy-their-first-homes</loc>
        <lastmod>2016-11-09</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-struggling-to-meet-mortgage-repayments</loc>
        <lastmod>2016-11-09</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/many-retirees-experiencing-housing-insecurity</loc>
        <lastmod>2016-11-08</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbournes-brunswick-suburb-is-the-ideal-neighbourhood-for-creatives</loc>
        <lastmod>2016-11-03</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-may-start-increasing-borrowers-mortgage-repayments</loc>
        <lastmod>2016-11-02</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/younger-buyers-are-learning-to-adapt-to-afford-their-first-homes</loc>
        <lastmod>2016-11-01</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/women-are-slightly-better-than-men-at-saving-for-a-deposit</loc>
        <lastmod>2016-10-31</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-buying-a-home-right-now-may-not-be-the-smartest-move</loc>
        <lastmod>2016-10-31</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/young-people-are-more-likely-to-renovate-their-homes-than-upgrade</loc>
        <lastmod>2016-10-28</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-will-stop-lending-to-borrowers-with-less-than-5-down</loc>
        <lastmod>2016-10-28</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tapping-into-the-bank-of-mum-and-dad-risks-and-safeguards</loc>
        <lastmod>2016-10-26</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-wants-lenders-to-screen-potential-borrowers-more-thoroughly</loc>
        <lastmod>2016-10-26</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-biggest-lenders-raked-in-2-5-billion-by-charging-real-estate-investors-more</loc>
        <lastmod>2016-10-24</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-chairman-refuses-to-use-the-b-word-to-describe-sydney-housing-market</loc>
        <lastmod>2016-10-21</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sluggish-economy-is-causing-mortgage-arrears-to-shoot-up</loc>
        <lastmod>2016-10-20</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/auswide-bank-to-offer-tracker-mortgages</loc>
        <lastmod>2016-10-19</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/andrew-thorburn-warns-the-public-about-tracker-mortgages</loc>
        <lastmod>2016-10-19</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-property-market-is-vulnerable-to-shifts-in-the-global-financial-system</loc>
        <lastmod>2016-10-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tracker-mortgages-could-help-millions-of-aussie-homeowners</loc>
        <lastmod>2016-10-17</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-first-home-buyers-are-in-their-40s-and-50s</loc>
        <lastmod>2016-10-14</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buying-a-home-is-unattainable-for-many-single-young-aussies</loc>
        <lastmod>2016-10-13</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/approved-home-loans-is-at-a-15month-low</loc>
        <lastmod>2016-10-12</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/survey-lending-to-housing-investors-may-be-accelerating</loc>
        <lastmod>2016-10-11</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-report-exposes-the-housing-black-market</loc>
        <lastmod>2016-10-10</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/higher-home-value-increases-household-debt-study</loc>
        <lastmod>2016-10-05</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-sales-post-slight-recovery-in-august</loc>
        <lastmod>2016-09-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/a-third-of-first-home-buyers-worry-about-mortgage-paymentssurvey</loc>
        <lastmod>2016-09-24</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/software-to-help-lenders-offer-competitive-home-mortgages</loc>
        <lastmod>2016-09-23</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/householders-not-confident-about-aussie-economic-outlookreport</loc>
        <lastmod>2016-09-22</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/financial-technology-firms-to-disrupt-traditional-banking-rolesreport</loc>
        <lastmod>2016-09-22</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/permanent-renters-on-the-riseeconomist</loc>
        <lastmod>2016-09-21</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/a-quarter-of-aussies-wary-of-credit-score-consequences</loc>
        <lastmod>2016-09-21</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/asic-outlines-risks-and-recommendations-for-responsible-lending</loc>
        <lastmod>2016-09-20</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/capital-city-land-prices-shoot-up</loc>
        <lastmod>2016-09-20</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-mortgage-industry-becoming-more-responsive-to-consumer-needs-asic</loc>
        <lastmod>2016-09-20</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lower-population-growth-migration-driving-up-vacancy-rateseconomist</loc>
        <lastmod>2016-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-backs-digital-mortgage-service-with-16-m-investment</loc>
        <lastmod>2016-09-20</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/study-shows-more-unpaid-mortgages-outside-aussie-cities</loc>
        <lastmod>2016-09-14</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ing-direct-to-focus-on-quicker-mortgage-processing-timeschief-executive</loc>
        <lastmod>2016-09-14</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-mortgage-brokers-lobby-for-status-quo-in-commission-structure</loc>
        <lastmod>2016-09-14</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-homebuyers-suffering-from-processing-delays</loc>
        <lastmod>2016-09-13</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/defaults-causes-mounting-mortgage-stress</loc>
        <lastmod>2016-09-13</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/online-home-mortgage-auction-platforms-save-big-bucks-for-users</loc>
        <lastmod>2016-09-10</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/home-buyers-turn-to-brokers-to-hurdle-barriers-to-entry-in-home-market</loc>
        <lastmod>2016-09-10</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/loan-switching-valued-at-43-billion</loc>
        <lastmod>2016-09-10</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/survey-says-aussies-need-better-understanding-of-comparison-rate</loc>
        <lastmod>2016-09-10</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bigger-loans-expected-while-interest-rates-remain-low</loc>
        <lastmod>2016-09-08</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/renovation-activity-to-rise-next-year</loc>
        <lastmod>2016-09-08</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-property-prices-to-increase-this-spring</loc>
        <lastmod>2016-09-08</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/desperate-victorian-tenants-offer-to-pay-more-rent</loc>
        <lastmod>2016-09-07</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/rising-mortgage-rates-put-fear-into-mortgage-holders</loc>
        <lastmod>2016-09-06</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-brokers-expect-another-rate-cut-this-year</loc>
        <lastmod>2016-09-06</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/corelogic-australian-property-prices-remain-strong</loc>
        <lastmod>2016-09-06</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/home-prices-could-still-fall-expert-warns</loc>
        <lastmod>2016-09-03</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/critical-lapse-in-aussies-understanding-of-mortgages</loc>
        <lastmod>2016-09-03</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/shakeup-in-property-laws-a-recipe-for-disaster</loc>
        <lastmod>2016-09-02</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyers-losing-sleep-over-property</loc>
        <lastmod>2016-09-02</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/june-2016-quarter-yields-98bn-in-new-mortgages</loc>
        <lastmod>2016-09-02</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-crash-unlikely-even-as-oversupply-looms</loc>
        <lastmod>2016-09-01</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-has-no-plans-to-further-tighten-investor-cap</loc>
        <lastmod>2016-09-01</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/over-1-million-aussies-live-in-rundown-housing</loc>
        <lastmod>2016-09-01</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/eight-in-10-get-better-home-loan-rate--by-asking</loc>
        <lastmod>2016-08-31</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-stress-high-despite-low-interest-rates</loc>
        <lastmod>2016-08-31</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/homes-more-affordable-now-than-20-years-ago</loc>
        <lastmod>2016-08-31</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/more-lender-rate-cuts-announced</loc>
        <lastmod>2016-08-29</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/imb-cuts-owneroccupier-home-loan-interest-rates</loc>
        <lastmod>2016-08-26</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/heritage-banks-new-loan-targets-parents-looking-to-help-kids</loc>
        <lastmod>2016-08-26</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/commonwealth-bank-reduces-discounts-on-new-home-loans</loc>
        <lastmod>2016-08-26</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-lowers-interest-rates-for-home-lending</loc>
        <lastmod>2016-08-25</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/heritage-bank-introduces-lower-home-loan-interest-rates</loc>
        <lastmod>2016-08-25</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-gain-more-bargaining-power-with-jumbo-loans</loc>
        <lastmod>2016-08-25</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/discounts-for-new-home-loans-reduced-as-cba-deals-with-higher-funding-costs</loc>
        <lastmod>2016-08-24</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/understanding-seller-financing-in-home-loans</loc>
        <lastmod>2016-08-24</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/the-role-of-a-mortgage-broker-in-your-home-loan</loc>
        <lastmod>2016-08-24</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/shorter-loan-terms-spell-big-savings</loc>
        <lastmod>2016-08-24</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firsttime-home-buyers-in-canberra-have-bleak-prospects</loc>
        <lastmod>2016-08-23</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/compromise-seen-in-new-apartment-standards-for-victoria</loc>
        <lastmod>2016-08-23</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/cohousing-gets-hip-in-western-australia</loc>
        <lastmod>2016-08-23</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/main-neighbourhoods-still-the-best-areas-to-live-in</loc>
        <lastmod>2016-08-22</lastmod>
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        <loc>https://www.yourmortgage.com.au/mortgage-news/lack-of-home-lending-options-keeping-aussies-off-ladder</loc>
        <lastmod>2016-08-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/parents-are-now-shelling-out-money-to-buy-their-kids-a-home</loc>
        <lastmod>2016-08-22</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-households-struggle-to-make-mortgage-repayments</loc>
        <lastmod>2016-08-22</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interest-rate-cut-spurs-new-home-lending</loc>
        <lastmod>2016-08-21</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-governor-acknowledges-the-need-for-new-solutions-to-australias-property-problem</loc>
        <lastmod>2016-08-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cut-may-not-be-all-that-beneficial-expert-says</loc>
        <lastmod>2016-08-21</lastmod>
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    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-in-capital-cities-almost-seven-times-the-average-salary</loc>
        <lastmod>2016-08-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-prices-in-canberra-soften-after-federal-elections</loc>
        <lastmod>2016-08-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/western-aussies-take-nearly-a-decade-to-save-for-home-deposit</loc>
        <lastmod>2016-08-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-property-market-back-to-boomtime-conditions</loc>
        <lastmod>2016-08-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expert-advice-pay-off-one-mortgage-at-a-time</loc>
        <lastmod>2016-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-firsthome-buyers-getting-older</loc>
        <lastmod>2016-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-aussies-struggling-with-mortgage-repayments</loc>
        <lastmod>2016-08-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-increases-its-residential-mortgage-risk-weights</loc>
        <lastmod>2016-08-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/diy-investors-welcome-increase-on-deposit-accounts</loc>
        <lastmod>2016-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fouryear-housing-boom-pushes-values-of-million-dollar-suburbs-up</loc>
        <lastmod>2016-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/only-a-few-winners-emerged-after-rbas-latest-rate-cut-decision</loc>
        <lastmod>2016-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-customers-missing-out-on-rate-cut-savings</loc>
        <lastmod>2016-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-rates-should-now-be-in-the-three-per-cent-range-analysts-say</loc>
        <lastmod>2016-08-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cutting-interest-rates-a-doomed-loop</loc>
        <lastmod>2016-08-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-banks-offer-higher-payouts-on-term-deposits-for-savers</loc>
        <lastmod>2016-08-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/share-prices-of-genworth-mortgage-surge-as-delinquencies-rise-in-mining-areas</loc>
        <lastmod>2016-08-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/pm-calls-out-big-banks-over-rates-cuts</loc>
        <lastmod>2016-08-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/contributory-mortgages-fill-the-income-gap-for-investors</loc>
        <lastmod>2016-08-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-buying-property-the-way-to-go-now-that-interest-rates-are-down</loc>
        <lastmod>2016-08-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-a-rate-cut-on-the-cards-tomorrow</loc>
        <lastmod>2016-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-target-investment-properties</loc>
        <lastmod>2016-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-slash-rates-prior-to-expected-rba-rate-cut</loc>
        <lastmod>2016-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-choice-australians-still-able-to-repay-mortgages</loc>
        <lastmod>2016-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-less-confident-in-their-ability-to-manage-debt-new-report-shows</loc>
        <lastmod>2016-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nongenuine-savings-blacklisted-from-home-loan-eligibility-assessment</loc>
        <lastmod>2016-07-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/crane-index-and-rise-in-mortgage-arrears-stoke-fears-of-a-housing-bubble</loc>
        <lastmod>2016-07-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cua-amends-lending-policies</loc>
        <lastmod>2016-07-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/august-rate-cut-highly-possible-says-economy-expert</loc>
        <lastmod>2016-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/frozen-loans-produce-property-funding-problems</loc>
        <lastmod>2016-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cuts-still-coming-for-home-loan-customers</loc>
        <lastmod>2016-07-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-lenders-toughen-housing-lending-criteria</loc>
        <lastmod>2016-07-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-in-perth-drop-to-lowest-level-in-three-years</loc>
        <lastmod>2016-07-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-flood-the-market-with-fixed-rate-home-loans</loc>
        <lastmod>2016-07-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-fall-behind-on-their-repayments-as-rental-vacancies-jump</loc>
        <lastmod>2016-07-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeloans-and-resimac-merge-to-take-on-aussie-banks</loc>
        <lastmod>2016-07-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-limits-the-number-of-loan-guarantors-after-reviewing-retail-credit-rules</loc>
        <lastmod>2016-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/household-deposit-competition-among-banks-ramping-up</loc>
        <lastmod>2016-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-interest-rates-continue-to-tumble</loc>
        <lastmod>2016-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-arrears-continue-to-rise-as-housing-stress-builds</loc>
        <lastmod>2016-07-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-emphasizes-the-need-to-focus-on-lending-standards</loc>
        <lastmod>2016-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-get-a-mortgage-for-older-australians</loc>
        <lastmod>2016-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-holders-are-the-real-losers-in-australias-credit-downgrade</loc>
        <lastmod>2016-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rentvesting-the-new-trend-in-property-investment</loc>
        <lastmod>2016-07-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/elections-could-push-mortgage-rates-higher</loc>
        <lastmod>2016-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-borrowers-settle-for-unchanged-interest-rate</loc>
        <lastmod>2016-07-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-ups-the-ante-on-the-mortgage-market</loc>
        <lastmod>2016-07-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/thirdtier-lenders-provide-assistance-to-developers</loc>
        <lastmod>2016-07-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-bear-the-brunt-of-low-interest-rates</loc>
        <lastmod>2016-07-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/labors-revenue-on-negative-gearing-and-capital-gains-policy-uncertain</loc>
        <lastmod>2016-06-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-sale-profits-average-240k-in-march-quarter</loc>
        <lastmod>2016-06-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-no-australian-income-no-lending</loc>
        <lastmod>2016-06-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-houses-remain-out-of-reach-despite-price-falls</loc>
        <lastmod>2016-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/labors-negative-gearing-policy-can-make-rents-rise-and-house-prices-fall</loc>
        <lastmod>2016-06-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-dials-up-scrutiny-on-banks-real-estate-lending</loc>
        <lastmod>2016-06-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-expects-further-tightening-of-lending-standards</loc>
        <lastmod>2016-06-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/past-selling-practices-could-put-mortgage-professionals-in-hot-water</loc>
        <lastmod>2016-06-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-reports-huge-apartment-growth-in-four-years</loc>
        <lastmod>2016-06-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/western-australia-has-the-most-number-of-home-loans-in-arrears</loc>
        <lastmod>2016-06-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/government-defends-bsbw-rigging-says-it-doesnt-affect-mortgages</loc>
        <lastmod>2016-06-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-implements-new-property-tax-on-foreign-homebuyers</loc>
        <lastmod>2016-06-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-struggle-to-pay-off-their-mortgages</loc>
        <lastmod>2016-06-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/changing-lender-terms-and-conditions-drive-away-property-buyers</loc>
        <lastmod>2016-06-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-rates-to-stay-low-for-the-next-decade-says-mortgage-broking-network</loc>
        <lastmod>2016-06-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/issuance-of-mortgage-securities-off-to-a-lacklustre-start</loc>
        <lastmod>2016-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/startup-loandolphin-enters-australias-mortgage-space</loc>
        <lastmod>2016-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-plans-to-cut-interest-rates-and-slash-minimum-loans-for-property-investors</loc>
        <lastmod>2016-06-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-debt-continues-to-plague-australians-entering-their-twilight-years</loc>
        <lastmod>2016-06-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lenders-offer-better-borrowing-deals-to-consumers</loc>
        <lastmod>2016-06-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/pocketbook-enters-the-mortgage-scene-with-new-deal</loc>
        <lastmod>2016-06-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tax-hike-an-added-burden-for-canberra-first-home-buyers</loc>
        <lastmod>2016-06-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-to-consider-parental-leave-in-mortgage-applications</loc>
        <lastmod>2016-06-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lender-me-cuts-home-loan-interest-rates</loc>
        <lastmod>2016-06-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-holders-in-australia-take-advantage-of-low-petrol-prices</loc>
        <lastmod>2016-06-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-business-lending-outpaces-mortgage-boom</loc>
        <lastmod>2016-06-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/standard-and-poor-apartment-oversupply-could-heighten-mortgage-risks</loc>
        <lastmod>2016-06-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/virgin-money-enters-australias-home-loan-market</loc>
        <lastmod>2016-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investment-firm-bans-mortgage-lending-to-foreign-buyers</loc>
        <lastmod>2016-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/low-interest-rates-allow-homeowners-to-advance-their-repayments</loc>
        <lastmod>2016-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firstmac-cuts-back-on-apartment-lending</loc>
        <lastmod>2016-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australians-are-paying-extra-interest-for-their-mortgages-new-report-shows</loc>
        <lastmod>2016-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/young-canberrans-struggle-against-rising-home-deposits</loc>
        <lastmod>2016-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/signs-of-price-falls-send-tremors-to-australias-property-market</loc>
        <lastmod>2016-05-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-enhances-security-operations-to-prevent-mortgage-fraud</loc>
        <lastmod>2016-05-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/shares-or-property-which-is-the-better-investment</loc>
        <lastmod>2016-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investors-fear-a-sudden-fall-in-australias-property-prices</loc>
        <lastmod>2016-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/regional-banks-pushing-up-mortgage-rates-despite-rba-cut</loc>
        <lastmod>2016-05-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tax-strategy-allows-millennials-to-amass-huge-property-portfolios</loc>
        <lastmod>2016-05-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-lowers-deposit-for-property-investors</loc>
        <lastmod>2016-05-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/developers-struggling-to-secure-a-second-mortgage</loc>
        <lastmod>2016-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-expects-a-cash-rate-lower-than-one-per-cent-in-2017</loc>
        <lastmod>2016-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rentvesting-the-new-investment-strategy-for-first-home-buyers</loc>
        <lastmod>2016-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/great-australian-dream-inaccessible-for-80-per-cent-of-young-australians</loc>
        <lastmod>2016-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/retirees-face-new-superannuation-tax-rules</loc>
        <lastmod>2016-05-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-rental-prices-rise-time-for-a-mortgage</loc>
        <lastmod>2016-05-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bank-of-melbourne-admits-error-on-tougher-lending-conditions-for-overseas-borrowers</loc>
        <lastmod>2016-05-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/low-interest-rates-make-trimming-mortgages-possible</loc>
        <lastmod>2016-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firstmac-passes-full-rate-cut-to-consumers-this-may</loc>
        <lastmod>2016-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/consumer-confidence-and-refinancing-on-the-rise</loc>
        <lastmod>2016-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-home-loans-invests-in-tech-to-boost-customer-experience</loc>
        <lastmod>2016-05-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/finance-analyst-questions-due-diligence-of-australias-banks</loc>
        <lastmod>2016-05-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/citigroup-will-no-longer-accept-certain-currencies-for-aussie-real-estate</loc>
        <lastmod>2016-05-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bank-lenders-still-reluctant-to-follow-rbas-cash-rate-cut</loc>
        <lastmod>2016-05-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-rate-cuts-still-possible-due-to-deflation</loc>
        <lastmod>2016-05-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-age-increased-to-85-by-uk-building-society</loc>
        <lastmod>2016-05-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-house-auction-market-posts-encouraging-results</loc>
        <lastmod>2016-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dont-expect-banks-to-move-swiftly-in-next-rba-cut-analyst-says</loc>
        <lastmod>2016-05-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/super-tax-changes-wont-result-in-a-rush-to-property-market-experts-say</loc>
        <lastmod>2016-05-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-there-more-cash-rate-cuts-looming-for-the-rba</loc>
        <lastmod>2016-05-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-and-mortgagees-benefit-from-recent-rate-cut</loc>
        <lastmod>2016-05-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-cut-will-increase-mortgage-affordability-for-everyone</loc>
        <lastmod>2016-05-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/millennials-need-more-help-from-the-government-in-buying-a-home</loc>
        <lastmod>2016-05-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-banks-follow-rbas-interest-rate-cut</loc>
        <lastmod>2016-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buying-in-adelaide-youll-need-a-bigger-mortgage</loc>
        <lastmod>2016-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-expects-more-consumer-loans-to-turn-bad-in-second-half</loc>
        <lastmod>2016-05-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-does-not-have-to-cut-rates-analyst-says</loc>
        <lastmod>2016-05-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banking-regulation-a-major-hurdle-for-mortgage-innovation</loc>
        <lastmod>2016-04-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-only-represent-14-7-per-cent-of-owneroccupier-mortgages</loc>
        <lastmod>2016-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-rates-eating-away-at-banks-profit-margins</loc>
        <lastmod>2016-04-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-mortgage-arrears-at-an-11year-low</loc>
        <lastmod>2016-04-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-to-cut-rates-if-inflation-remains-low</loc>
        <lastmod>2016-04-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-warns-of-potential-losses-in-residential-property-lending</loc>
        <lastmod>2016-04-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/virgin-money-launches-new-mortgage-product</loc>
        <lastmod>2016-04-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/failure-to-review-mortgages-costing-borrowers-thousands</loc>
        <lastmod>2016-04-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-cracks-down-on-offshore-mortgage-lending</loc>
        <lastmod>2016-04-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-arrears-hit-lowest-point-in-more-than-a-decade</loc>
        <lastmod>2016-04-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-looking-for-affordable-suburbs-pushed-to-the-outskirts</loc>
        <lastmod>2016-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-threats-emerge-for-the-property-market</loc>
        <lastmod>2016-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tougher-mortgage-lending-criteria-slowing-foreign-buying</loc>
        <lastmod>2016-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-now-faced-with-rising-mortgage-rates</loc>
        <lastmod>2016-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-hints-more-tightening-to-come-in-the-housing-market</loc>
        <lastmod>2016-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-lenders-discreetly-increase-loan-rates</loc>
        <lastmod>2016-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-boom-still-apparent-in-the-northern-beaches</loc>
        <lastmod>2016-04-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hsbc-no-need-to-panic-as-housing-boom-ends</loc>
        <lastmod>2016-04-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-approvals-bounce-back-in-february</loc>
        <lastmod>2016-04-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/broker-calls-tougher-lending-criteria-silly-and-ridiculous</loc>
        <lastmod>2016-04-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/low-deposit-home-loans-enable-first-home-buyers-to-settle-in-melbourne</loc>
        <lastmod>2016-04-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/time-for-a-mortgage-rising-rent-continues-to-hound-canberra-tenants</loc>
        <lastmod>2016-04-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-delinquencies-in-nsw-at-a-10year-low</loc>
        <lastmod>2016-04-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mmpcu-updates-mortgage-interest-rates</loc>
        <lastmod>2016-04-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-unit-rents-surge-maybe-time-for-a-mortgage</loc>
        <lastmod>2016-04-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bis-paper-examines-effects-of-bank-capital-on-mortgage-supply</loc>
        <lastmod>2016-04-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-updates-home-loan-interest-rates</loc>
        <lastmod>2016-04-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/two-melbourne-suburbs-suffer-from-high-mortgage-delinquency</loc>
        <lastmod>2016-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commbank-reveals-knowledge-gap-among-aussie-house-hunters</loc>
        <lastmod>2016-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-tightens-regulations-on-residential-property-lending</loc>
        <lastmod>2016-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/huge-mortgages-put-firsthome-buyers-at-risk-for-default</loc>
        <lastmod>2016-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/three-ways-to-fix-a-student-loan-and-secure-a-home-loan</loc>
        <lastmod>2016-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/demand-for-fixed-rate-loans-a-sign-of-things-to-come</loc>
        <lastmod>2016-04-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-households-see-debt-levels-reach-historic-highs</loc>
        <lastmod>2016-04-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/could-it-be-borrowers-not-lenders-who-are-required-to-pay-mortgage-brokers</loc>
        <lastmod>2016-03-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/capital-requirements-to-be-felt-by-more-than-just-mortgage-holders</loc>
        <lastmod>2016-03-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/safer-banks-may-mean-higher-rates-for-aussie-borrowers</loc>
        <lastmod>2016-03-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/survey-says-borrowing-power-property-prices-are-sources-of-confusion</loc>
        <lastmod>2016-03-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-buyers-more-optimistic-than-investors-research-says</loc>
        <lastmod>2016-03-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowing-criteria-stricter-but-apra-set-to-keep-an-eye-on-lenders</loc>
        <lastmod>2016-03-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/competition-heats-up-as-major-lenders-look-to-grab-business</loc>
        <lastmod>2016-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-borrowers-build-up-solid-mortgage-buffer</loc>
        <lastmod>2016-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonmajor-bank-offers-investors-home-buyers-sub-4-interest-rate</loc>
        <lastmod>2016-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ubank-slashes-fixed-rate-home-loan-rates</loc>
        <lastmod>2016-03-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-mortgages-and-property-purchases-dont-have-to-be-stressful</loc>
        <lastmod>2016-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-brokers-should-you-use-one-or-go-it-alone</loc>
        <lastmod>2016-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-four-banks-fall-behind-other-lenders-in-customer-satisfaction</loc>
        <lastmod>2015-12-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-drops-following-increases-in-new-loan-sizes</loc>
        <lastmod>2015-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/higher-risk-of-mortgage-defaults-due-to-recent-price-surge-says-report</loc>
        <lastmod>2015-11-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/most-homeowners-can-easily-afford-their-mortgages-says-survey</loc>
        <lastmod>2015-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-four-customer-satisfaction-levels-drop-in-october</loc>
        <lastmod>2015-11-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-plans-to-accelerate-mortgage-growth</loc>
        <lastmod>2015-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/owner-occupiers-pick-up-slack-left-by-investor-housing-finance</loc>
        <lastmod>2015-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-cash-rate-decision-likely-driven-by-lenders-independent-interest-rate-rises</loc>
        <lastmod>2015-11-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-leaves-cash-rate-unchanged-at-2-0</loc>
        <lastmod>2015-11-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/inflation-figures-likely-good-news-for-investors-and-home-owners-ahead-of-rba-interest-rate-decision</loc>
        <lastmod>2015-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/employment-and-its-link-to-the-housing-market</loc>
        <lastmod>2015-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/customer-satisfaction-for-big-four-remains-lower-than-other-lenders</loc>
        <lastmod>2015-10-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cpi-data-reveals-house-costs-dropping-in-some-cities</loc>
        <lastmod>2015-10-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/experts-believe-banks-will-raise-rates-property-prices-to-stay-high</loc>
        <lastmod>2015-10-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-favourite-banks-revealed</loc>
        <lastmod>2015-10-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/survey-suggests-parents-want-to-help-kids-with-home-purchases</loc>
        <lastmod>2015-10-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commonwealth-bank-increases-home-loan-interest-rates</loc>
        <lastmod>2015-10-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/asic-set-to-help-people-decide-on-interestonly-mortgages</loc>
        <lastmod>2015-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-urged-to-make-more-mortgage-payments-and-use-their-tax-refund-wisely</loc>
        <lastmod>2015-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/increase-in-upgrader-activity-helps-fuel-strong-home-loan-processing-results</loc>
        <lastmod>2015-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-warns-of-a-period-of-contraction-not-a-recession</loc>
        <lastmod>2015-10-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-are-increasingly-shopping-around-for-better-deals-indicates-survey</loc>
        <lastmod>2015-10-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-demand-set-to-remain-strong-says-ceo</loc>
        <lastmod>2015-10-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brisbane-city-apartments-attracting-competition-from-baby-boomers-and-gen-y</loc>
        <lastmod>2015-10-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cut-could-be-on-the-cards-this-year-says-brokerage-firm</loc>
        <lastmod>2015-10-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-technology-allows-customers-to-easily-view-property-equity</loc>
        <lastmod>2015-10-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fixed-rate-home-loan-demand-drops-to-fouryear-low</loc>
        <lastmod>2015-10-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/choose-the-best-mortgage-possible-not-the-best-introductory-offer-says-analyst</loc>
        <lastmod>2015-10-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonmajor-lenders-could-become-first-port-of-call-for-mortgages</loc>
        <lastmod>2015-10-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investor-home-loan-growth-slows-due-to-bank-crack-down</loc>
        <lastmod>2015-10-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-investor-loans-grow-despite-apras-10-cap</loc>
        <lastmod>2015-07-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-businesses-rely-on-gut-feeling-rba-says</loc>
        <lastmod>2015-06-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-44-most-expensive-suburbs-are-nestling-in-sydney-study-finds</loc>
        <lastmod>2015-06-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-household-debt-triples-since-1990</loc>
        <lastmod>2015-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-property-market-unlikely-to-be-affected-by-lending-curbs-says-nab</loc>
        <lastmod>2015-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/most-aussies-unprepared-for-financial-future-survey-claims</loc>
        <lastmod>2015-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reverse-mortgages-may-cut-pension-costs-experts-claim</loc>
        <lastmod>2015-06-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyer-investors-doing-it-tough-says-new-research</loc>
        <lastmod>2015-06-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-focuses-on-price-inflation-in-sydney-melbourne</loc>
        <lastmod>2015-06-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/young-aussies-admit-lack-of-mortgage-knowledge</loc>
        <lastmod>2015-06-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/small-nonbank-lenders-provide-best-value-home-loans-says-mozo</loc>
        <lastmod>2015-06-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loans-hit-new-high-at-almost-33bn</loc>
        <lastmod>2015-06-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-hailed-socially-responsible-bank-of-the-year</loc>
        <lastmod>2015-06-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-remains-calm-despite-housing-bubble-fears</loc>
        <lastmod>2015-06-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-records-highest-customer-satisfaction-of-big-four</loc>
        <lastmod>2015-06-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-sector-becomes-biggest-industry-in-australia</loc>
        <lastmod>2015-06-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-rate-cuts-have-impacted-the-housing-market</loc>
        <lastmod>2015-05-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-poll-foresees-more-aussies-will-lock-in-fixed-home-loan-rates</loc>
        <lastmod>2015-05-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-home-loans-reach-1-3tn-apra-data-shows</loc>
        <lastmod>2015-05-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hia-auckland-investment-tax-wont-work-for-sydney</loc>
        <lastmod>2015-05-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-ahead-of-new-york-paris-as-attractive-real-estate-market</loc>
        <lastmod>2015-05-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-head-admits-personal-banking-services-not-up-to-standard</loc>
        <lastmod>2015-05-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/three-lenders-announce-drop-in-interest-rates</loc>
        <lastmod>2015-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-rate-cut-could-help-sluggish-housing-markets-experts-claim</loc>
        <lastmod>2015-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-drops-cash-rate-to-2-0</loc>
        <lastmod>2015-05-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-starts-reach-alltime-high-record</loc>
        <lastmod>2015-05-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-tax-on-foreign-property-investors-slammed-by-critics</loc>
        <lastmod>2015-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-poorest-can-only-afford-a-fraction-of-listed-housing-report-shows</loc>
        <lastmod>2015-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/major-banks-earn-billions-as-aussie-housing-market-strengthens</loc>
        <lastmod>2015-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/industry-awaits-new-rate-movement-decision-by-rba</loc>
        <lastmod>2015-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/regulators-will-crack-down-on-lending-practices-predicts-analyst</loc>
        <lastmod>2015-04-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/vma-names-new-chief-executive-as-it-reenters-mortgage-market</loc>
        <lastmod>2015-04-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affording-a-house-gets-even-harder</loc>
        <lastmod>2015-04-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-home-loans-slashes-rates</loc>
        <lastmod>2015-04-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/survey-finds-rising-confidence-in-aussie-housing-sector</loc>
        <lastmod>2015-04-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/too-much-focus-on-sydney-housing-market-says-rba</loc>
        <lastmod>2015-04-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-announces-australia-post-partnership</loc>
        <lastmod>2015-04-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-homeowners-still-expect-more-rate-cuts-study-shows</loc>
        <lastmod>2015-04-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/higher-percentage-of-income-being-spent-on-mortgages</loc>
        <lastmod>2015-04-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-home-loans-chief-foresees-increased-regulation-oversight-for-banks</loc>
        <lastmod>2015-04-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/goldman-sachs-foresees-housing-surplus-by-2017-warns-of-slow-population-growth</loc>
        <lastmod>2015-04-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/adelaide-bank-cuts-20-basis-points-off-all-variable-rate-home-loans</loc>
        <lastmod>2015-04-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/us-lender-enters-australian-financial-market</loc>
        <lastmod>2015-04-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suncorp-bank-slashes-rates-for-threeyear-and-fiveyear-fixed-loans</loc>
        <lastmod>2015-04-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/ing-direct-launches-new-loyalty-rewards-program</loc>
        <lastmod>2015-04-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/growth-in-new-home-loans-below-expectations</loc>
        <lastmod>2015-04-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/senator-urges-apra-and-banks-to-watch-housing-markets-closely</loc>
        <lastmod>2015-04-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeloans-announces-new-rate-cut-and-increased-commissions</loc>
        <lastmod>2015-04-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-holds-on-to-2-25-cash-rate</loc>
        <lastmod>2015-04-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-warns-basel-iv-may-result-in-higher-mortgages-for-aussies</loc>
        <lastmod>2015-04-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-increasingly-choose-variable-rates</loc>
        <lastmod>2015-04-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-building-levy-increase-dents-affordability</loc>
        <lastmod>2015-04-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-experiences-9-jump-in-detached-house-sales</loc>
        <lastmod>2015-03-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-housing-industry-reacts-to-tax-reform-paper</loc>
        <lastmod>2015-03-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reasons-for-sydneys-high-prices</loc>
        <lastmod>2015-03-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/newcastle-permanent-building-society-offers-3-99-fixed-rate</loc>
        <lastmod>2015-03-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/soleperson-household-trend-poses-home-affordability-risks</loc>
        <lastmod>2015-03-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/deloitte-foresees-rise-in-new-housing-later-this-year</loc>
        <lastmod>2015-03-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-brokers-irked-over-rba-risk-warnings</loc>
        <lastmod>2015-03-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-first-home-buyers-feel-good-about-buying-homes-survey-reveals</loc>
        <lastmod>2015-03-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/la-trobe-financial-opens-up-to-nonresidents</loc>
        <lastmod>2015-03-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/clsa-analyst-foresees-rates-dropping-to-less-than-1</loc>
        <lastmod>2015-03-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/economist-predicts-new-rba-rate-cuts</loc>
        <lastmod>2015-03-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/me-bank-unveils-strong-sales</loc>
        <lastmod>2015-03-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-moving-into-a-new-home-happiest-moment-for-majority</loc>
        <lastmod>2015-03-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-urged-to-switch-away-from-coal-oil-gas</loc>
        <lastmod>2015-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-home-loans-chairman-dismisses-interestonly-loans</loc>
        <lastmod>2015-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-officer-sees-more-foreigners-buying-bonds</loc>
        <lastmod>2015-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-warned-of-unmoved-mortgage-rates</loc>
        <lastmod>2015-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/resimac-unveils-new-changes-to-product</loc>
        <lastmod>2015-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/south-australia-down-in-housing-finance-according-to-abs</loc>
        <lastmod>2015-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/former-treasurer-suggests-superannuation-to-homebuyers-amp-chief-worries</loc>
        <lastmod>2015-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-sydney-among-the-worlds-most-economically-powerful</loc>
        <lastmod>2015-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/research-finds-more-first-homebuyer-activity-in-queensland-wa</loc>
        <lastmod>2015-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-lending-for-new-homes-eases-in-january</loc>
        <lastmod>2015-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bankers-remain-calm-over-aussie-property-market-study-says</loc>
        <lastmod>2015-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-sees-positive-news-for-aussie-economy</loc>
        <lastmod>2015-03-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-rba-says-widespread-mortgage-defaults-unlikely</loc>
        <lastmod>2015-03-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/afg-launches-new-product-suite</loc>
        <lastmod>2015-03-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-rates-at-lowest-since-1968-study-says</loc>
        <lastmod>2015-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/report-finds-need-for-more-affordable-housing</loc>
        <lastmod>2015-03-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-still-the-least-affordable-state</loc>
        <lastmod>2015-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/afg-reports-4-3bn-home-sales-for-february</loc>
        <lastmod>2015-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/boq-reveals-new-rate-cut</loc>
        <lastmod>2015-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/pepper-reveals-another-rate-cut</loc>
        <lastmod>2015-03-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-interest-rates-many-economists-predict-a-cut</loc>
        <lastmod>2015-03-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/analysts-anticipate-rate-cuts-to-1-5</loc>
        <lastmod>2015-03-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bendigo-bank-updates-rates</loc>
        <lastmod>2015-02-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/abbott-proposes-hefty-fees-for-foreign-property-investors</loc>
        <lastmod>2015-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-foreign-buyers-to-be-hit-by-fee-hikes</loc>
        <lastmod>2015-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-and-melbourne-set-for-further-growth</loc>
        <lastmod>2015-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/newcastle-permanent-has-updated-its-interest-rates-effective-this-week--all-are-down-with-the-lowes</loc>
        <lastmod>2015-02-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/newcastle-overhauls-rates</loc>
        <lastmod>2015-02-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-economist-issues-rate-cuts-warning</loc>
        <lastmod>2015-02-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-needs-190000-homes-in-10-years</loc>
        <lastmod>2015-02-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suncorp-ing-direct-and-heritage-bank-adjust-rates</loc>
        <lastmod>2015-02-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-government-plans-crackdown-on-unruly-tenants</loc>
        <lastmod>2015-02-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/wa-adopts-loan-scheme-for-lowincome-homebuyers</loc>
        <lastmod>2015-02-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-rba-still-concerned-about-housing-market</loc>
        <lastmod>2015-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mirvac-sees-slower-growth-of-house-prices-in-capitals</loc>
        <lastmod>2015-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suncorp-nationalcorp-slash-rates</loc>
        <lastmod>2015-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/two-more-lenders-announce-rate-cuts</loc>
        <lastmod>2015-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussies-rely-on-property-savings-and-inheritance-for-retirement</loc>
        <lastmod>2015-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-vows-close-watch-on-housing-sector</loc>
        <lastmod>2015-02-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/deteriorating-nonmining-forecast-ignites-rate-cut-rba-says</loc>
        <lastmod>2015-02-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-names-rising-house-prices-as-main-enemy-of-first-homebuyers</loc>
        <lastmod>2015-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bank-regulators-must-examine-housing-data-carefully-property-council-says</loc>
        <lastmod>2015-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordable-housing-defunding-receives-flak-in-senate-inquiry</loc>
        <lastmod>2015-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-first-home-buyers-switch-off-investor-activity-moderates</loc>
        <lastmod>2015-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/baby-boomers-turn-to-reverse-mortgages</loc>
        <lastmod>2015-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-do-better-with-variable-rates-study-shows</loc>
        <lastmod>2015-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/demand-rising-for-aussie-granny-flats</loc>
        <lastmod>2015-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aussie-housing-bubble-inflates-further-after-rate-cut</loc>
        <lastmod>2015-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-predicts-third-rate-cut-for-2015</loc>
        <lastmod>2015-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-rise-in-q4-2014-economist-warns-of-overheating</loc>
        <lastmod>2015-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-aussie-housing-value-revealed</loc>
        <lastmod>2015-02-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-price-growth-subdued-ahead-of-bank-rate-cuts</loc>
        <lastmod>2015-02-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-auctions-feel-the-effects-of-rate-cut</loc>
        <lastmod>2015-02-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/imb-bankwest-offer-full-rate-cut</loc>
        <lastmod>2015-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-household-debt-worsens</loc>
        <lastmod>2015-02-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-lenders-publish-lower-rates</loc>
        <lastmod>2015-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rbas-property-assessment-accurate-reia-says</loc>
        <lastmod>2015-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hia-december-report-shows-drop-in-new-home-sales</loc>
        <lastmod>2015-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-cuts-rate-to-lowest-in-nearly-40-years</loc>
        <lastmod>2015-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-melbourne-hobart-property-markets-jump-data-shows</loc>
        <lastmod>2015-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commonwealth-bank-follows-rba-rate-cut</loc>
        <lastmod>2015-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-housing-industry-reacts-to-rba-rate-cut</loc>
        <lastmod>2015-02-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/budgewois-high-mortgage-delinquencies-improving</loc>
        <lastmod>2015-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-drops-cash-rate-to-2-25</loc>
        <lastmod>2015-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fewer-aussies-prefer-fixed-rate-mortgages</loc>
        <lastmod>2015-02-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-economists-anticipate-interest-rate-cut</loc>
        <lastmod>2015-02-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-bears-highest-mortgage-delinquency-count</loc>
        <lastmod>2015-01-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/report-finds-less-aussies-need-alternative-home-loan-refinancing</loc>
        <lastmod>2015-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/foreigners-to-invest-220m-in-australias-student-housing</loc>
        <lastmod>2015-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-renewed-calls-for-rba-to-cut-interest-rates</loc>
        <lastmod>2015-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victoria-looks-for-solutions-to-housing-crisis</loc>
        <lastmod>2015-01-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/peertopeer-lending-slowly-reshaping-mortgage-market</loc>
        <lastmod>2015-01-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-bubble-undermines-unemployment-impact</loc>
        <lastmod>2015-01-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeowners-more-confident-than-ever-with-finances</loc>
        <lastmod>2015-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-new-home-sales-continue-to-rise</loc>
        <lastmod>2015-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-foresees-housing-market-cooling</loc>
        <lastmod>2015-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reia-expects-february-cash-rate-cut</loc>
        <lastmod>2015-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-big-bank-predicts-house-prices-to-weaken</loc>
        <lastmod>2015-01-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-ownership-on-the-rise</loc>
        <lastmod>2015-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-may-face-housing-correction-global-research-shows</loc>
        <lastmod>2015-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fitch-ratings-estimates-4-slowdown-in-australian-house-values</loc>
        <lastmod>2015-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-is-worlds-third-least-affordable-housing-market-survey-says</loc>
        <lastmod>2015-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-land-values-rise-along-with-housing-prices</loc>
        <lastmod>2015-01-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-new-home-starts-hit-alltime-high</loc>
        <lastmod>2015-01-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/demand-for-fixed-rate-home-loans-plunges</loc>
        <lastmod>2015-01-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hia-report-suggests-strong-lending-activity</loc>
        <lastmod>2015-01-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-mining-areas-suffer-biggest-housing-price-losses</loc>
        <lastmod>2015-01-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australians-wish-for-a-debtfree-2015-study-says</loc>
        <lastmod>2015-01-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/anz-supports-national-exam-for-brokers-advisers</loc>
        <lastmod>2015-01-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sa-stamp-duty-fees-must-be-reviewed-industry-experts-say</loc>
        <lastmod>2015-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/remax-wa-head-welcomes-petowner-tenants</loc>
        <lastmod>2015-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/110m-scandal-reaches-600-fake-home-loans</loc>
        <lastmod>2015-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-land-value-surge-in-nsw</loc>
        <lastmod>2015-01-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-building-approvals-increased-in-november</loc>
        <lastmod>2015-01-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/refinancing-hits-highest-level-in-december</loc>
        <lastmod>2015-01-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/110m-home-loan-fraud-busted-in-melbourne</loc>
        <lastmod>2015-01-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-residents-wish-for-property-improvements</loc>
        <lastmod>2015-01-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/budget-cuts-endanger-hunter-housing-supply</loc>
        <lastmod>2015-01-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-leaves-remittance-business</loc>
        <lastmod>2014-12-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/broker-suggests-holiday-be-spent-for-refinancing</loc>
        <lastmod>2014-12-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/industry-giants-unite-for-rehousing-project</loc>
        <lastmod>2014-12-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investors-should-hire-professional-property-managers-reiv</loc>
        <lastmod>2014-12-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nab-chair-praises-murrays-report</loc>
        <lastmod>2014-12-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyer-wages-lag-behind-house-price-hikes</loc>
        <lastmod>2014-12-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/oecd-want-to-curb-big-four-competitive-advantages</loc>
        <lastmod>2014-12-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/capital-city-auctions-to-exceed-100000</loc>
        <lastmod>2014-12-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-property-market-is-a-risk-to-the-economy-says-oecd</loc>
        <lastmod>2014-12-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macfarlane-sees-affordability-problem-not-housing-bubble</loc>
        <lastmod>2014-12-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heritage-bank-imb-adjust-rates</loc>
        <lastmod>2014-12-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/economist-predicts-flat-housing-market-activity-for-2015</loc>
        <lastmod>2014-12-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/suncorp-revises-rates</loc>
        <lastmod>2014-12-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-capital-cities-prices-dip-during-november</loc>
        <lastmod>2014-12-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/droughtaffected-farmers-wont-pay-more-rates</loc>
        <lastmod>2014-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reia-slams-apras-call-for-tighter-home-lending</loc>
        <lastmod>2014-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-chairman-on-murray-inquiry</loc>
        <lastmod>2014-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/macquarie-may-face-additional-capital-charges</loc>
        <lastmod>2014-12-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/young-australians-give-up-home-ownership-dream</loc>
        <lastmod>2014-12-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/apra-calls-for-limit-on-investor-mortgage-growth</loc>
        <lastmod>2014-12-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-house-building-market-revealed</loc>
        <lastmod>2014-12-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/treasurer-echoes-murray-recommendations</loc>
        <lastmod>2014-12-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/murray-wants-bigger-capital-for-big-four</loc>
        <lastmod>2014-12-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/most-australians-very-comfortable-with-mortgage-study-finds</loc>
        <lastmod>2014-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-forced-sales-rise-amid-drought-financial-pressures</loc>
        <lastmod>2014-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australians-prefer-to-rent-than-to-buy-homes-says-survey</loc>
        <lastmod>2014-12-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/westpac-lowers-rates</loc>
        <lastmod>2014-12-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-housing-affordability-improves-study-claims</loc>
        <lastmod>2014-12-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/majors-take-bigger-slices-of-the-mortgage-market</loc>
        <lastmod>2014-12-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fixedrate-demand-reaches-ninemonth-high</loc>
        <lastmod>2014-12-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/landlords-invest-more-despite-rba-warnings-of-speculative-excess</loc>
        <lastmod>2014-12-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-researchers-advise-lenders-to-monitor-lending-standards</loc>
        <lastmod>2014-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-landlords-advised-to-drop-rates</loc>
        <lastmod>2014-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/consumer-watchdog-cautions-home-owners</loc>
        <lastmod>2014-11-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stricter-penalties-needed-for-foreign-buyers-report</loc>
        <lastmod>2014-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-sales-on-the-rise</loc>
        <lastmod>2014-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-watch-home-building-at-20year-high</loc>
        <lastmod>2014-11-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brisbane-apartment-resale-market-improving-report-says</loc>
        <lastmod>2014-11-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/citibank-releases-lower-promotional-rates</loc>
        <lastmod>2014-11-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/october-rental-vacancies-decline-sqm-data-shows</loc>
        <lastmod>2014-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-tiny-house-movement-reaches-australia</loc>
        <lastmod>2014-11-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mirvac-chair-credits-house-price-rises-to-undersupply</loc>
        <lastmod>2014-11-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-looks-on-the-bright-side-of-rising-house-values</loc>
        <lastmod>2014-11-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-price-inflation-should-slow-in-2015-says-economist</loc>
        <lastmod>2014-11-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/one-in-three-borrowers-refinances-with-nonmajor-lender</loc>
        <lastmod>2014-11-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homeloans-updates-variable-interest-rates</loc>
        <lastmod>2014-11-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/majority-still-consider-buying-property-despite-price-hikes</loc>
        <lastmod>2014-11-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/median-house-price-reaches-milestone-in-sydney</loc>
        <lastmod>2014-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-issues-warning-over-excessive-mortgage-debt</loc>
        <lastmod>2014-11-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-wealthiest-ploughing-cash-into-property</loc>
        <lastmod>2014-10-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-acknowledges-speculative-demand-hockey-theres-no-bubble-ray-white-now-a-financial-planner</loc>
        <lastmod>2014-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interest-rates-left-untouched-by-rba-firsttime-homebuyer-rates-drop</loc>
        <lastmod>2014-09-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/credit-reporting-changes-what-you-need-to-know</loc>
        <lastmod>2014-03-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/loan-growth-for-housing-remains-stalled</loc>
        <lastmod>2014-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/smsfs-not-overinvesting-in-property</loc>
        <lastmod>2014-03-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-interest-rate-freeze-encourage-financing</loc>
        <lastmod>2014-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rates-hold-keeps-market-afloat</loc>
        <lastmod>2014-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-10-independent-brokerages-of-2013</loc>
        <lastmod>2014-03-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/la-trobe-financial-launches-smsf-product</loc>
        <lastmod>2013-11-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-leaves-interest-rates-unchanged</loc>
        <lastmod>2013-11-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-wont-dismiss-rate-cut</loc>
        <lastmod>2013-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-tells-buyers-to-be-realistic</loc>
        <lastmod>2013-09-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/citibank-announces-new-variable-rate</loc>
        <lastmod>2013-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-signals-possible-rate-cut</loc>
        <lastmod>2013-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-save-more-than-100000-on-your-mortgage-even-if-youre-a-spendthrift</loc>
        <lastmod>2013-08-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rates-dropping-like-flies-westpac-cba-nab-boq-and-the-list-goes-on</loc>
        <lastmod>2013-08-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nonbank-of-the-year-2013</loc>
        <lastmod>2013-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/lender-of-the-year-2013</loc>
        <lastmod>2013-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-broker-power-in-play</loc>
        <lastmod>2013-02-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-mortgage-delinquency-hotspots-revealed</loc>
        <lastmod>2013-02-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/teachers-mutual-bank-wins-best-basic-variable-loan--mortgage-of-the-year-awards-2012</loc>
        <lastmod>2012-05-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/heritage-bank-wins-best-basic-variable--mortgage-of-the-year-awards-2012</loc>
        <lastmod>2012-05-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dont-switch-loans-without-crunching-the-numbers</loc>
        <lastmod>2012-03-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/small-box-big-returns-investing-in-a-granny-flat</loc>
        <lastmod>2012-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/has-your-mortgage-rate-gone-up-more-than-others</loc>
        <lastmod>2012-03-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-spot-a-dodgy-mortgage-deal</loc>
        <lastmod>2012-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-a-bank-home-loan-is-a-100000-rip-off</loc>
        <lastmod>2012-02-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-aussie-house-prices-too-high</loc>
        <lastmod>2012-02-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-profit-from-steady-interest-rates</loc>
        <lastmod>2012-02-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/could-you-be-falling-for-a-fixedrate-trap</loc>
        <lastmod>2012-02-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-a-97-home-loan-a-good-idea</loc>
        <lastmod>2012-01-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-your-mortgage-payments-about-to-go-up</loc>
        <lastmod>2012-01-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/6-biggest-threats-to-your-finances-in-2012</loc>
        <lastmod>2012-01-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/become-moneysmart-in-2012</loc>
        <lastmod>2012-01-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/get-your-loan-approved-now-or-risk-missing-out</loc>
        <lastmod>2011-12-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/worry-free-investing</loc>
        <lastmod>2011-11-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-benefit-from-the-interest-rate-cut</loc>
        <lastmod>2011-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-affordability-from-bad-to-worse</loc>
        <lastmod>2011-10-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/will-rates-rise</loc>
        <lastmod>2011-10-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aud-slides-against-greenback-rba-under-pressure-to-cut-interest-rates</loc>
        <lastmod>2011-09-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-sell-high-in-a-low-market</loc>
        <lastmod>2011-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/food-producers-should-you-invest</loc>
        <lastmod>2011-08-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-it-a-mistake-to-fix-your-rates-now</loc>
        <lastmod>2011-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-snag-an-alist-property-in-a-slow-market</loc>
        <lastmod>2011-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-an-assessment-rate-can-kill-your-home-loan-application</loc>
        <lastmod>2011-08-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-down-but-australia-sits-tight</loc>
        <lastmod>2011-08-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/inflation-proof-your-portfolio</loc>
        <lastmod>2011-08-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interest-rates-predicted-to-drop-1</loc>
        <lastmod>2011-07-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-competition-hits-alltime-low</loc>
        <lastmod>2011-07-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/saving-money-could-get-sweeter</loc>
        <lastmod>2011-07-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investing-overseas-beware-the-pitfalls</loc>
        <lastmod>2011-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-your-profession-dictates-your-home-loan-discount</loc>
        <lastmod>2011-07-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/financial-lessons-for-your-20s-30s-40s-50s-and-60s</loc>
        <lastmod>2011-06-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-buyers-slugged-with-skyhigh-stamp-duty</loc>
        <lastmod>2011-06-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buying-opportunity-emerges-for-savvy-investors</loc>
        <lastmod>2011-06-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/odds-shorten-for-june-rate-hike</loc>
        <lastmod>2011-05-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/why-is-autumn-is-a-better-time-to-sell-than-spring</loc>
        <lastmod>2011-05-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australians-given-one-free-pass-for-concessional-cap-breaches</loc>
        <lastmod>2011-05-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/as-inflation-soars-are-interest-rates-set-to-rise</loc>
        <lastmod>2011-05-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-reprieve-could-be-shortlived</loc>
        <lastmod>2011-04-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/unchanged-interest-rate-is-good-news-for-homeowners</loc>
        <lastmod>2011-04-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-government-on-the-fast-track</loc>
        <lastmod>2011-04-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-chief-untroubled-by-house-affordability</loc>
        <lastmod>2011-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/applying-alone-vs-using-a-mortgage-broker</loc>
        <lastmod>2011-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/milliondollar-club-swells-in-2010</loc>
        <lastmod>2011-03-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dont-panic-over-january-slump-says-rp-data</loc>
        <lastmod>2011-03-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/5-ways-to-conquer-your-investing-fears</loc>
        <lastmod>2011-02-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-paying-rent-money-misspent</loc>
        <lastmod>2011-02-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-10-things-you-can-do-now-to-beat-a-rate-rise</loc>
        <lastmod>2011-01-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-market-forces-come-to-a-head</loc>
        <lastmod>2011-01-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-delivers-christmas-bonus-to-mortgage-holders</loc>
        <lastmod>2010-12-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/7-ways-to-screw-up-your-refinance</loc>
        <lastmod>2010-11-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/how-to-qualify-for-a-high-lvr-loan</loc>
        <lastmod>2010-11-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/when-is-refinancing-not-worth-the-hassle</loc>
        <lastmod>2010-11-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/is-it-too-late-to-fix-your-loan</loc>
        <lastmod>2010-11-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/getting-off-the-rental-merrygoround-</loc>
        <lastmod>2010-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/surprise-rba-decision-to-hold-rates--but-for-how-long</loc>
        <lastmod>2010-10-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/darwin-rents-highest-in-australia</loc>
        <lastmod>2010-09-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cuts-and-fhog-boost-put-homebuyers-back-in-the-game</loc>
        <lastmod>2010-09-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-property-markets-among-the-best-performers-in-the-world</loc>
        <lastmod>2010-09-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-to-raise-interest-rates-independent-of-the-rba</loc>
        <lastmod>2010-09-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interest-rates-to-drop-to-a-new-low-in-2009</loc>
        <lastmod>2010-08-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rising-jobless-rate--rate-rise-freeze</loc>
        <lastmod>2010-08-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyers-should-you-buy-to-rent-instead</loc>
        <lastmod>2010-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-market-recovers-as-first-homebuyers-fire-up-the-market</loc>
        <lastmod>2010-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordable-housing-to-lead-property-recovery</loc>
        <lastmod>2010-08-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-you-due-for-a-repayment-holiday</loc>
        <lastmod>2010-08-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-price-growth-continues</loc>
        <lastmod>2010-07-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-demand-plummets</loc>
        <lastmod>2010-07-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/industry-ire-greets-cgt-debate</loc>
        <lastmod>2010-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordability-pressure-threatens-growth</loc>
        <lastmod>2010-07-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buy-or-build-risks-and-rewards</loc>
        <lastmod>2010-07-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/major-banks-cut-interest-rates-on-fixed-term-home-loans</loc>
        <lastmod>2010-06-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fixed-rates-to-fall-report</loc>
        <lastmod>2010-05-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuyers-will-pay-more-for-green-homes</loc>
        <lastmod>2010-05-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-drops</loc>
        <lastmod>2010-05-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-buyers-opt-for-affordable-suburbs</loc>
        <lastmod>2010-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/upgraders-and-investors-fuel-new-home-sales-recovery</loc>
        <lastmod>2010-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dwelling-approvals-fall-sharply-in-january</loc>
        <lastmod>2010-05-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-property-tax-for-nsw</loc>
        <lastmod>2010-05-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyers-get-a-lifeline-in-victoria</loc>
        <lastmod>2010-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/wa-buyers-the-most-bullish-about-property</loc>
        <lastmod>2010-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyer-loans-plunged-40</loc>
        <lastmod>2010-04-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-homeowners-eye-property-investment</loc>
        <lastmod>2010-04-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/gen-y-left-out-in-the-cold-as-house-prices-soar</loc>
        <lastmod>2010-04-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/darwin-median-house-rent-jumps-15-in-12-months</loc>
        <lastmod>2010-04-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyers-dwindle-in-numbers-but-buying-intention-remains-strong</loc>
        <lastmod>2010-04-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-refinancing-soars-as-borrowers-abandon-major-banks</loc>
        <lastmod>2010-04-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyer-numbers-continue-to-plunge-as-investors-regain-control</loc>
        <lastmod>2010-04-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-hike-to-intensify-lender-competition</loc>
        <lastmod>2010-04-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-drop-out-of-the-wa-market</loc>
        <lastmod>2010-03-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-hike-and-falling-affordability-to-stop-bubble-forming</loc>
        <lastmod>2010-03-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyers-flee-as-investors-return-in-record-numbers</loc>
        <lastmod>2010-03-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/non-bank-lenders-return</loc>
        <lastmod>2010-03-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-hikes-spook-first-homebuyers</loc>
        <lastmod>2010-03-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/upgraders-and-investors-fuel-new-home-sales</loc>
        <lastmod>2010-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/amp-slashes-basic-variable-rate-by-0-10</loc>
        <lastmod>2010-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brace-for-australias-housing-boom</loc>
        <lastmod>2010-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investors-in-victoria-to-reap-higher-rental-return-as-market-tightens</loc>
        <lastmod>2010-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-home-values-rose-11-8-yearonyear</loc>
        <lastmod>2010-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/median-land-price-sales-volume-soar</loc>
        <lastmod>2010-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/median-house-prices-surge-to-a-record</loc>
        <lastmod>2010-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-median-house-price-hit-a-new-high</loc>
        <lastmod>2010-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brisbane-house-prices-bounce-back-to-precrisis-level</loc>
        <lastmod>2010-01-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/darwin-median-values-soar-to-a-record</loc>
        <lastmod>2010-01-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-target-premium-properties-as-confidence-grow</loc>
        <lastmod>2010-01-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-investors-storm-the-nsw-market</loc>
        <lastmod>2010-01-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-prices-set-to-rise-as-population-growth-explodes</loc>
        <lastmod>2009-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-scale-new-heights</loc>
        <lastmod>2009-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-size-swells-to-an-all-time-high</loc>
        <lastmod>2009-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/prices-set-to-surge-as-more-australians-plan-to-invest-in-property</loc>
        <lastmod>2009-11-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/uk-buytolet-lending-secures-third-quarter-rise</loc>
        <lastmod>2009-11-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/odec-predicts-robust-australian-recovery</loc>
        <lastmod>2009-11-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fixed-rate-mortgages-continue-slide</loc>
        <lastmod>2009-11-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/language-phone-boost-for-migrant-home-seekers</loc>
        <lastmod>2009-11-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/one-in-three-mortgage-enquiries-not-meeting-criteria</loc>
        <lastmod>2009-11-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commsec-issues-economic-warning</loc>
        <lastmod>2009-11-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/building-ministers-forum-defers-energy-efficiency-regulation</loc>
        <lastmod>2009-11-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commonwealth-wont-commit-to-rate-parity</loc>
        <lastmod>2009-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/dollar-value-could-stem-rate-hikes</loc>
        <lastmod>2009-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rp-data-predicts-housing-stock-listing-slowdown</loc>
        <lastmod>2009-11-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-sees-auction-surge</loc>
        <lastmod>2009-11-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tasmanians-face-land-tax-hike</loc>
        <lastmod>2009-11-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brokers-predict-home-loan-decline</loc>
        <lastmod>2009-11-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-highlights-future-housing-shortage</loc>
        <lastmod>2009-11-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-pass-on-rate-hike-within-hours</loc>
        <lastmod>2009-11-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-banks-escaped-the-worst</loc>
        <lastmod>2009-11-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/residential-building-approvals-on-the-rise</loc>
        <lastmod>2009-11-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sliding-margins-halted-report</loc>
        <lastmod>2009-11-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/half-of-residential-debt-held-by-two-firms</loc>
        <lastmod>2009-11-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-rise-wont-help-housing-shortage</loc>
        <lastmod>2009-11-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commsec-welcomes-rba-rate-rise</loc>
        <lastmod>2009-11-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/brisbane-top-end-begins-recovery</loc>
        <lastmod>2009-11-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-firm-draws-75-of-business-via-web</loc>
        <lastmod>2009-11-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/strong-recovery-in-property-prices-threatened-by-land-shortages</loc>
        <lastmod>2009-11-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-shoppers-scour-the-internet-for-best-deals-amid-rising-interest-rate</loc>
        <lastmod>2009-11-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/grant-cap-wont-trouble-house-sales</loc>
        <lastmod>2009-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/planing-the-cause-of-house-build-shortage</loc>
        <lastmod>2009-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/average-house-price-rises-4-2-in-september-quarter</loc>
        <lastmod>2009-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-shoppers-scour-the-internet-for-best-deals-as-interest-rate-rises</loc>
        <lastmod>2009-11-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-price-surge-fastest-since-2003</loc>
        <lastmod>2009-10-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/tasmanian-auction-clearance-rates-decline-sharply</loc>
        <lastmod>2009-10-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hia-welcomes-fed-city-development-move</loc>
        <lastmod>2009-10-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-say-regulations-will-dent-lending-capacity</loc>
        <lastmod>2009-10-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/aging-population-to-drive-property-trends</loc>
        <lastmod>2009-10-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-recovery-hits-affordability</loc>
        <lastmod>2009-10-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loan-rates-where-are-they-headed-october-2009-survey</loc>
        <lastmod>2009-10-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-rises-will-help-balance-market</loc>
        <lastmod>2009-10-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-could-raise-rates-by-0-50-in-november</loc>
        <lastmod>2009-10-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/gold-coast-market-segment-sees-rising-sales-volumes</loc>
        <lastmod>2009-10-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/09-house-price-growth-matches-08</loc>
        <lastmod>2009-10-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-hikes-will-not-hurt-mortgage-holders</loc>
        <lastmod>2009-10-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hobart-house-prices-hits-new-high</loc>
        <lastmod>2009-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-hikes-will-boost-confidence--buyer-advocate</loc>
        <lastmod>2009-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-mansion-sale-set-to-break-record</loc>
        <lastmod>2009-10-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/coastal-areas-offer-bargains</loc>
        <lastmod>2009-10-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/abs-figures-show-drop-in-residential-building</loc>
        <lastmod>2009-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/qbe-lmi-predicts-23-price-growth</loc>
        <lastmod>2009-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reverse-mortgage-market-reaches-2-6b</loc>
        <lastmod>2009-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-rental-vacancy-rate-hits-14year-high</loc>
        <lastmod>2009-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cba-hit-with-double-court-rap-blow</loc>
        <lastmod>2009-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-house-values-breach-600000</loc>
        <lastmod>2009-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-says-interest-rates-are-normalising</loc>
        <lastmod>2009-10-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/another-rate-hike-you-betcha</loc>
        <lastmod>2009-10-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-investors-storm-the-market-as-first-homebuyers-step-back</loc>
        <lastmod>2009-10-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nz-high-court-rules-against-westpac</loc>
        <lastmod>2009-10-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-developers-push-cuts-to-parking</loc>
        <lastmod>2009-10-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-sales-surge</loc>
        <lastmod>2009-10-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-to-soar</loc>
        <lastmod>2009-10-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/no-boom-no-bust-just-steady-growth-ahead</loc>
        <lastmod>2009-10-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-banks-have-worst-service-survey</loc>
        <lastmod>2009-10-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/land-shortage-tipped-to-fuel-next-perth-boom</loc>
        <lastmod>2009-10-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banks-will-stick-to-rba-rate-rises-norris</loc>
        <lastmod>2009-10-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/strong-population-growth-to-drive-canberra-market</loc>
        <lastmod>2009-10-01</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stop-the-bank-mergers-keating</loc>
        <lastmod>2009-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-property-prices-resilient</loc>
        <lastmod>2009-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/gen-y-keen-to-dive-into-property-market---just-not-right-now</loc>
        <lastmod>2009-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/population-boom-to-cause-critical-supply-shortage</loc>
        <lastmod>2009-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/expert-slams-plan-for-cgt-on-1-1m-family-homes</loc>
        <lastmod>2009-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-belt-coming-to-the-rescue-of-nsw-economy</loc>
        <lastmod>2009-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/final-burst-from-first-homebuyers-sends-sales-soaring</loc>
        <lastmod>2009-09-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perths-undersupply-to-be-met</loc>
        <lastmod>2009-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/the-higher-you-are-the-harder-you-fall</loc>
        <lastmod>2009-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-property-prices-set-to-sky-rocket-as-supply-drops</loc>
        <lastmod>2009-09-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-building-approvals-rocket</loc>
        <lastmod>2009-09-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-trumps-sydneys-growth</loc>
        <lastmod>2009-09-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/upgraders-storm-back-into-the-market</loc>
        <lastmod>2009-09-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/interest-rates-set-to-rise-but-fixed-home-loan-deals-still-available</loc>
        <lastmod>2009-08-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/low-interest-rates-fuel-refinancing-boom</loc>
        <lastmod>2009-08-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-activity-to-ramp-up-in-spring</loc>
        <lastmod>2009-08-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-price-jump-fuel-confidence-in-the-australias-property-market</loc>
        <lastmod>2009-08-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/top-end-suburbs-lift-melbourne-prices-by-9</loc>
        <lastmod>2009-08-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/land-prices-track-residential-recovery</loc>
        <lastmod>2009-07-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/poor-housing-affordability-to-underpin-high-rental-demand</loc>
        <lastmod>2009-07-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rising-auction-clearance-rates-attract-vendors-and-sellers-alike</loc>
        <lastmod>2009-07-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-clearance-improves-across-the-board</loc>
        <lastmod>2009-07-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sales-surge-for-gold-coast-properties</loc>
        <lastmod>2009-07-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydneys-population-to-grow-by-1-million-in-20-years</loc>
        <lastmod>2009-07-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rental-yields-in-sydney-set-to-rise-as-vacancy-rates-plunge</loc>
        <lastmod>2009-07-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-housing-starts-down-to-8-year-low</loc>
        <lastmod>2009-06-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-halves-stamp-duty-for-new-homes--but-not-for-long-enough</loc>
        <lastmod>2009-06-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-the-best-for-housing-investment-expert</loc>
        <lastmod>2009-06-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/april-2009-survey--home-loan-rates-where-are-they-headed</loc>
        <lastmod>2009-06-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investors-sensing-an-upswing</loc>
        <lastmod>2009-06-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/value-of-loans-for-new-housing-loans-increases</loc>
        <lastmod>2009-06-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/highest-housing-affordability-in-six-years</loc>
        <lastmod>2009-06-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordable-suburbs-top-house-sales-list</loc>
        <lastmod>2009-06-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hobart-tops-australias-most-affordable-list</loc>
        <lastmod>2009-05-21</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australian-housing-most-affordable-in-7-years</loc>
        <lastmod>2009-05-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/victoria-extends-first-home-owner-grant</loc>
        <lastmod>2009-05-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/time-to-fix-banks-raised-interest-rates-on-fixed-mortgages</loc>
        <lastmod>2009-04-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/bargain-hunters-drive-record-auction-sales</loc>
        <lastmod>2009-04-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/national-home-values-rebound--demand-could-outstrip-supply</loc>
        <lastmod>2009-04-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/more-incentives-to-buy-vs-rent</loc>
        <lastmod>2009-04-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cheaper-properties-grew-the-fastest</loc>
        <lastmod>2009-03-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyer-boom-to-ripple-through-midrange-properties</loc>
        <lastmod>2009-03-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-rates-to-hit-alltime-low-of-4-5-cash-rates-to-fall-to-1-5</loc>
        <lastmod>2009-03-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/british-buyers-expats-eye-aussie-coastal-properties</loc>
        <lastmod>2009-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/urge-to-invest-in-property-remains-strong</loc>
        <lastmod>2009-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/auction-revival-gets-underway</loc>
        <lastmod>2009-03-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyers-lift-new-home-sales</loc>
        <lastmod>2009-03-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rba-holds-rates-steady-but-first-homebuyers-spending-spree-set-to-continue</loc>
        <lastmod>2009-03-03</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-recovery-likely-next-year-hia</loc>
        <lastmod>2009-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-owner-grant-how-you-can-profit-from-it-in-2009</loc>
        <lastmod>2009-02-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/competition-intensifies-at-the-lower-end-as-luxury-homes-weaken-further</loc>
        <lastmod>2009-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/mortgage-sector-recovers-as-first-homebuyers-fire-up-the-market</loc>
        <lastmod>2009-02-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cut-spurs-consumer-mortgage-interest</loc>
        <lastmod>2009-02-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sunshine-coast-tops-the-list-as-the-least-affordable-housing-market</loc>
        <lastmod>2009-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/twoforone-approach-to-ease-housing-crisis</loc>
        <lastmod>2009-01-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/house-prices-wont-collapse-in-2009</loc>
        <lastmod>2008-12-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/housing-affordability-eases-while-rents-continue-to-soar</loc>
        <lastmod>2008-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-home-buyers-lift-new-home-sales</loc>
        <lastmod>2008-12-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-the-last-investment-safehaven</loc>
        <lastmod>2008-11-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/firstmac-launches-3-99-introductory-mortgage</loc>
        <lastmod>2008-11-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyers-move-in-as-wa-housing-market-slides</loc>
        <lastmod>2008-11-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/nsw-property-investors-hit-by-higher-fees</loc>
        <lastmod>2008-11-24</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyers-boost-mortgage-sales</loc>
        <lastmod>2008-11-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-leads-recovery-as-property-market-conditions-improve</loc>
        <lastmod>2008-11-07</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fhog-to-boost-mortgage-competition</loc>
        <lastmod>2008-10-31</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cut-boosts-buying-power-by-10</loc>
        <lastmod>2008-10-10</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/hot-suburb-east-perth</loc>
        <lastmod>2008-10-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/massive-rate-cut-to-lure-property-buyers-back-into-the-market</loc>
        <lastmod>2008-10-08</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/market-not-anywhere-near-collapse</loc>
        <lastmod>2008-09-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/investor-sentiment-improving</loc>
        <lastmod>2008-09-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rate-cuts-to-boost-economic-growth</loc>
        <lastmod>2008-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/serious-investment-opportunities-found-in-regional-areas</loc>
        <lastmod>2008-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-apartment-market-hot-to-trot</loc>
        <lastmod>2008-08-28</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/government-handouts-to-homebuyers-to-add-0-5-to-house-price</loc>
        <lastmod>2008-06-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/stable-interest-rates-to-attract-investors-back-into-the-market</loc>
        <lastmod>2008-06-04</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-investors-reap-higher-yields-amid-rental-squeeze</loc>
        <lastmod>2008-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/residential-property-prices-show-healthy-increase</loc>
        <lastmod>2008-05-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-rental-vacancies-drop-to-critically-low-level</loc>
        <lastmod>2008-05-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/banking-errors-could-cost-you</loc>
        <lastmod>2008-05-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australias-property-investors-set-for-windfall-in-medium-term</loc>
        <lastmod>2008-05-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/2-2bn-to-boost-housing-affordability-in-australia</loc>
        <lastmod>2008-05-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/fortyseven-scorching-suburbs-to-invest-in</loc>
        <lastmod>2008-04-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/homebuyers-going-down-market-to-counter-further-rate-rises</loc>
        <lastmod>2008-04-18</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-seek-cheaper-properties-but-prices-still-set-to-rise</loc>
        <lastmod>2008-04-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-low-interest-rates-a-thing-of-the-past</loc>
        <lastmod>2008-04-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/drop-in-new-home-sales-to-force-upward-spiral-in-rents</loc>
        <lastmod>2008-04-02</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/war-on-inflation-might-be-going-too-far-economist</loc>
        <lastmod>2008-02-26</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-buyers-hold-back-as-rate-increases-start-to-bite</loc>
        <lastmod>2008-02-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australia-has-no-affordable-property-market</loc>
        <lastmod>2008-01-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/big-banks-accused-of-exploiting-the-subprime-fall-out</loc>
        <lastmod>2008-01-14</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/first-homebuyers-feel-the-heat-as-more-investors-set-to-return</loc>
        <lastmod>2007-11-29</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reverse-mortgage-borrowers-largely-unaware-of-risks-asic</loc>
        <lastmod>2007-11-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-suburb-jumps-12-in-three-months</loc>
        <lastmod>2007-11-22</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-property-market-runs-wild--10-capital-growth</loc>
        <lastmod>2007-11-15</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/australians-less-likely-to-buy-under-labor</loc>
        <lastmod>2007-11-12</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/unique-properties-offer-bigger-upsides</loc>
        <lastmod>2007-10-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/weary-buyers-sit-tight-during-uncertain-market</loc>
        <lastmod>2007-10-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/cancelled-home-loans-hit-record-highs</loc>
        <lastmod>2007-10-11</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/melbourne-units-boom--16-return</loc>
        <lastmod>2007-10-05</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/queensland-suburb-offers-over-10-growth-in-just-3-months-plus-6-rental</loc>
        <lastmod>2007-09-27</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/sydney-housing-a-disaster</loc>
        <lastmod>2007-09-20</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/perth-misses-out-on-house-price-boom-across-the-country</loc>
        <lastmod>2007-09-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/rental-rates-go-through-the-roof</loc>
        <lastmod>2007-08-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/what-should-you-be-doing-now-to-beat-the-rate-rise</loc>
        <lastmod>2007-08-16</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/are-your-mortgage-repayments-stressing-you-out-youre-not-alone</loc>
        <lastmod>2007-08-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-sales-continue-to-fall</loc>
        <lastmod>2007-08-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/reverse-mortgage-broker-group-launched-to-watch-over-industry</loc>
        <lastmod>2007-08-06</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-bodies-join-forces-to-address-housing-crisis</loc>
        <lastmod>2007-07-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/property-investment-not-when-but-why</loc>
        <lastmod>2007-07-30</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/buyers-turning-away-from-fixed-rate-loans</loc>
        <lastmod>2007-07-23</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/borrowers-prefer-to-stay-with-their-existing-lenders-when-refinancing</loc>
        <lastmod>2007-07-17</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/new-home-loan-product-targets-recent-graduates</loc>
        <lastmod>2007-07-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/strong-auction-clearance-fuels-property-price-rise-in-sydney</loc>
        <lastmod>2007-07-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/potential-first-homebuyers-prefer-lifestyles-over-owning-property</loc>
        <lastmod>2007-07-09</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/5-6-interest-rate-cash-flow-opportunity-for-investors</loc>
        <lastmod>2007-06-25</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/affordability-still-an-issue-in-wa</loc>
        <lastmod>2007-06-19</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/home-loans-leap-in-size</loc>
        <lastmod>2007-06-13</lastmod>
    </url>
    <url>
        <loc>https://www.yourmortgage.com.au/mortgage-news/commonwealth-bank-gives-help-to-farmers</loc>
        <lastmod>2006-10-24</lastmod>
    </url>
</urlset>