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  <!-- Core pages -->
  <url>
    <loc>https://creditus.ca/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
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    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/rates</loc>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/calculator</loc>
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    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/tools</loc>
    <changefreq>monthly</changefreq>
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  <url>
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  <url>
    <loc>https://creditus.ca/blog</loc>
    <changefreq>weekly</changefreq>
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    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/about</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/contact</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/testimonials</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/quote</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-10</lastmod>
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  <!-- Location pages (GTA + Ontario) -->
  <url>
    <loc>https://creditus.ca/mortgage-agent-toronto</loc>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-mississauga</loc>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-brampton</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-vaughan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-markham</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-oakville</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-hamilton</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-broker-ontario</loc>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
    <lastmod>2026-04-10</lastmod>
  </url>

  <!-- Auto-generated location pages (45 cities) — regenerate via scripts/generate-city-pages.cjs -->
  <url>
    <loc>https://creditus.ca/mortgage-agent-burlington</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-kitchener</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-waterloo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-london</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-broker-ottawa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-guelph</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-cambridge</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-windsor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-st-catharines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-barrie</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-sudbury</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-thunder-bay</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-kingston</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-belleville</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-peterborough</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-sault-ste-marie</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-sarnia</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-st-thomas</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-welland</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-newmarket</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-aurora</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-richmond-hill</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-whitby</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-oshawa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-pickering</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-clarington</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-niagara-falls</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-orillia</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-stratford</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-cornwall</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-bradford</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-alliston</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-cobourg</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-lindsay</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-midland</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-collingwood</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-woodstock</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-ingersoll</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-thornhill</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/mortgage-agent-maple</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-bolton</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-caledon</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-orangeville</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-04-16</lastmod>
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  <url>
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    <lastmod>2026-04-16</lastmod>
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  <url>
    <loc>https://creditus.ca/mortgage-agent-kenora</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-16</lastmod>
  </url>

  <!-- Blog posts -->
  <url>
    <loc>https://creditus.ca/blog/first-time-buyer-guide-ontario</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
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    <priority>0.7</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/blog/fixed-vs-variable-mortgage-canada</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/blog/mortgage-stress-test-canada-explained</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-04-10</lastmod>
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  <url>
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    <lastmod>2026-04-10</lastmod>
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    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/blog/what-affects-mortgage-rates-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://creditus.ca/blog/down-payment-savings-strategies</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
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    <lastmod>2026-04-10</lastmod>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2026-04-10</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/blog/self-employed-mortgage-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2026-04-10</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/blog/stated-income-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2026-04-10</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/blog/investment-property-financing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2026-04-10</lastmod>
  </url>
  <url>
    <loc>https://creditus.ca/blog/rental-property-tax-deductions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2026-04-10</lastmod>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://creditus.ca/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
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    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
    <lastmod>2026-04-10</lastmod>
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  <url>
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    <lastmod>2026-04-10</lastmod>
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    <lastmod>2026-04-20</lastmod>
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