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        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
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  <!-- Homepage - Mortgage Refinance Calculator Canada -->
  <url>
    <loc>https://refinancecalculator.ca/</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://refinancecalculator.ca/og-image.png</image:loc>
      <image:title>Mortgage Refinance Calculator Canada</image:title>
      <image:caption>Free Canadian mortgage refinance calculator for homeowners</image:caption>
    </image:image>
  </url>
  
  <!-- Main Calculator - Refinance Calculator -->
  <url>
    <loc>https://refinancecalculator.ca/calculate</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
    <image:image>
      <image:loc>https://refinancecalculator.ca/og-image.png</image:loc>
      <image:title>Calculate Mortgage Refinance Savings</image:title>
    </image:image>
  </url>
  
  <!-- Break-Even Calculator -->
  <url>
    <loc>https://refinancecalculator.ca/break-even</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://refinancecalculator.ca/og-image.png</image:loc>
      <image:title>Break-Even Calculator for Refinancing</image:title>
    </image:image>
  </url>
  
  <!-- Switch Cost Calculator -->
  <url>
    <loc>https://refinancecalculator.ca/switch-cost</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://refinancecalculator.ca/og-image.png</image:loc>
      <image:title>Mortgage Switch Cost Calculator</image:title>
    </image:image>
  </url>
  
  <!-- Resource Pages -->
  <url>
    <loc>https://refinancecalculator.ca/faq</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  
  <url>
    <loc>https://refinancecalculator.ca/mortgage-tips</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  
  <url>
    <loc>https://refinancecalculator.ca/contact</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- City Pages - Major Canadian Cities -->
  <url>
    <loc>https://refinancecalculator.ca/refinance-in-toronto</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <url>
    <loc>https://refinancecalculator.ca/refinance-in-vancouver</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <url>
    <loc>https://refinancecalculator.ca/refinance-in-montreal</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <url>
    <loc>https://refinancecalculator.ca/refinance-in-calgary</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  
  <url>
    <loc>https://refinancecalculator.ca/refinance-in-edmonton</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  
  <url>
    <loc>https://refinancecalculator.ca/refinance-in-ottawa</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  
  <url>
    <loc>https://refinancecalculator.ca/refinance-in-winnipeg</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://refinancecalculator.ca/refinance-in-quebec-city</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://refinancecalculator.ca/refinance-in-hamilton</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://refinancecalculator.ca/refinance-in-kitchener</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://refinancecalculator.ca/terms-of-service</loc>
    <lastmod>2026-01-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://refinancecalculator.ca/privacy-policy</loc>
    <lastmod>2026-01-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://refinancecalculator.ca/disclaimer</loc>
    <lastmod>2026-01-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
