<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"
        xmlns:news="http://www.google.com/schemas/sitemap-news/0.9">
  
  <!-- Homepage - Highest Priority -->
  <url>
    <loc>https://methodmortgages.ca/</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Key Service Pages - High Priority for AI Discovery -->
  <url>
    <loc>https://methodmortgages.ca/services/home-buying</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://methodmortgages.ca/services/refinancing</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://methodmortgages.ca/services/first-time-buyer</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://methodmortgages.ca/services/investment-property</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://methodmortgages.ca/services/commercial</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://methodmortgages.ca/services/debt-consolidation</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://methodmortgages.ca/services/self-employed</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Tools & Resources - Important for User Intent -->
  <url>
    <loc>https://methodmortgages.ca/calculator</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://methodmortgages.ca/prepayment-calculator</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://methodmortgages.ca/market-trends</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://methodmortgages.ca/glossary</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Educational Content -->
  <url>
    <loc>https://methodmortgages.ca/first-time-buyer-guide</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://methodmortgages.ca/academy</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://methodmortgages.ca/blog</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Company Pages -->
  <url>
    <loc>https://methodmortgages.ca/why-choose-us</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://methodmortgages.ca/quiz</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

</urlset>
