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    <loc>https://lenderoo.ca/mortgage-glossary/gds-ratio</loc>
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    <loc>https://lenderoo.ca/mortgage-glossary/gift-letter</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/gross-rent-multiplier</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://lenderoo.ca/mortgage-glossary/gst-hst-new-housing-rebate</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/guarantor</loc>
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    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/heloc</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/high-ratio-mortgage</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://lenderoo.ca/mortgage-glossary/home-buyers-amount</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/home-inspection</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://lenderoo.ca/mortgage-glossary/insured-mortgage</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://lenderoo.ca/mortgage-glossary/interest-rate</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/land-transfer-tax</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/land-transfer-tax-rebate</loc>
    <lastmod>2026-06-25</lastmod>
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    <loc>https://lenderoo.ca/mortgage-glossary/leasehold</loc>
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    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/lender</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/lien</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://lenderoo.ca/mortgage-glossary/loan-to-value-ratio</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/maturity-date</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/mls</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/monoline-lender</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/mortgage-broker</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/mortgage-discharge</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/mortgage-insurance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://lenderoo.ca/mortgage-glossary/mortgage-portability</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/negative-amortization</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/net-operating-income</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/open-mortgage</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/pre-approval</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/prepayment</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/prepayment-penalty</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/prime-rate</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/principal</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/principal-residence-exemption</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://lenderoo.ca/mortgage-glossary/property-tax</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/refinancing</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/renewal</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://lenderoo.ca/mortgage-glossary/rental-income-qualification</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/rrsp-home-buyers-plan</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/second-mortgage</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/skip-a-payment</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/statement-of-adjustments</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/status-certificate</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/stress-test</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/survey</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/tds-ratio</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/mortgage-term</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/title</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/title-insurance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://lenderoo.ca/mortgage-glossary/trigger-rate</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://lenderoo.ca/mortgage-glossary/vacancy-rate</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://lenderoo.ca/mortgage-glossary/variable-rate-mortgage</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/vendor-take-back-mortgage</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <loc>https://lenderoo.ca/mortgage-glossary/zoning</loc>
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