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  <!-- Homepage -->
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    <loc>https://homecalcs.co.nz/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
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  <!-- Property Owner Calculators -->
  <url>
    <loc>https://homecalcs.co.nz/true-cost-of-selling-nz/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://homecalcs.co.nz/rental-yield-calculator-nz/</loc>
    <lastmod>2026-07-14</lastmod>
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  <url>
    <loc>https://homecalcs.co.nz/interest-rate-stress-test/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://homecalcs.co.nz/nz-mortgage-calculator/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <!-- First Home Buyer Calculators -->
  <url>
    <loc>https://homecalcs.co.nz/kiwisaver-first-home-calculator/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/deposit-progress-tracker/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/nz-borrowing-power-calculator/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/legal-costs-calculator-nz/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Refinancer Calculators -->
  <url>
    <loc>https://homecalcs.co.nz/mortgage-break-fee-calculator/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://homecalcs.co.nz/mortgage-split-calculator/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://homecalcs.co.nz/mortgage-refix-comparison/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/mortgage-overpayment-calculator/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/equity-unlock-calculator-nz/</loc>
    <lastmod>2026-07-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Blog -->
  <url>
    <loc>https://homecalcs.co.nz/blog/</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://homecalcs.co.nz/blog/how-much-can-i-borrow-nz.html</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://homecalcs.co.nz/blog/weekly-vs-fortnightly-mortgage-repayments.html</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/blog/rental-yield-nz.html</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/blog/kiwisaver-first-home.html</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/blog/how-to-fix-your-mortgage-nz.html</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/blog/mortgage-break-fee-nz.html</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/blog/how-to-save-house-deposit-nz.html</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/blog/cost-of-selling-house-nz.html</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/blog/unlocking-home-equity-nz.html</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/blog/mortgage-stress-test-nz.html</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/blog/overpaying-your-mortgage-nz.html</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://homecalcs.co.nz/blog/legal-costs-buying-house-nz.html</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
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