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    <!-- ===== HOME & CORE TOOLS (1.0) ===== -->
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        <loc>https://mortgage.co.ke/</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
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    <url>
        <loc>https://mortgage.co.ke/calculator</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>1.0</priority>
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    <url>
        <loc>https://mortgage.co.ke/compare</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/checklist</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>1.0</priority>
    </url>

    <!-- ===== CALCULATORS (0.9) ===== -->
    <url>
        <loc>https://mortgage.co.ke/calculator/affordability</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
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    <url>
        <loc>https://mortgage.co.ke/calculator/refinance</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/calculator/stamp-duty</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- ===== GUIDES HUB & GUIDES (0.9) ===== -->
    <url>
        <loc>https://mortgage.co.ke/guides</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/guides/first-time-buyer</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/guides/how-mortgages-work</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
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    <url>
        <loc>https://mortgage.co.ke/guides/interest-rates</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
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    <url>
        <loc>https://mortgage.co.ke/guides/down-payment</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/guides/loan-term</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/guides/mortgage-vs-sacco</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
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    <url>
        <loc>https://mortgage.co.ke/guides/lower-interest</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
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    <url>
        <loc>https://mortgage.co.ke/guides/rent-vs-buy</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
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    <!-- ===== BLOG (0.8) ===== -->
    <url>
        <loc>https://mortgage.co.ke/blog</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- ===== LOAN TYPES (0.8) ===== -->
    <url>
        <loc>https://mortgage.co.ke/loan-types</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/loan-types/fixed-rate</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/loan-types/variable-rate</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/loan-types/government-schemes</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
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    <url>
        <loc>https://mortgage.co.ke/loan-types/construction</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/loan-types/land-purchase</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
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    <!-- ===== SUPPORT PAGES (0.7) ===== -->
    <url>
        <loc>https://mortgage.co.ke/faq</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/contact</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/about</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.7</priority>
    </url>

    <!-- ===== LEGAL PAGES (0.4) ===== -->
    <url>
        <loc>https://mortgage.co.ke/privacy</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/terms</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>
    <url>
        <loc>https://mortgage.co.ke/disclaimer</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>

    <!-- ===== THANK YOU PAGE (LOWEST) ===== -->
    <url>
        <loc>https://mortgage.co.ke/thank-you</loc>
        <lastmod>2026-05-03</lastmod>
        <changefreq>never</changefreq>
        <priority>0.1</priority>
    </url>

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