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    <lastmod>2026-01-13</lastmod>
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  <!-- Fraqtion & PFMH Fund -->
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    <loc>https://planformyhome.ca/fraqtion</loc>
    <lastmod>2026-01-17</lastmod>
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  <url>
    <loc>https://planformyhome.ca/fund</loc>
    <lastmod>2026-01-17</lastmod>
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  <!-- Partner & Agent Pages -->
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    <loc>https://planformyhome.ca/partners</loc>
    <lastmod>2026-01-13</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://planformyhome.ca/agents</loc>
    <lastmod>2026-01-13</lastmod>
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  <!-- First-Time Buyer Calculators -->
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    <loc>https://planformyhome.ca/calculators/mortgage-payment</loc>
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  <url>
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    <loc>https://planformyhome.ca/calculators/land-transfer-tax</loc>
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    <lastmod>2026-01-13</lastmod>
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  <!-- Existing Homeowner Calculators -->
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    <loc>https://planformyhome.ca/calculators/home-equity</loc>
    <lastmod>2026-01-13</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- Investment Calculators -->
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    <loc>https://planformyhome.ca/calculators/rental-yield</loc>
    <lastmod>2026-01-13</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- Simulators & Education -->
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    <lastmod>2026-01-13</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- Info Pages -->
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    <loc>https://planformyhome.ca/about</loc>
    <lastmod>2026-01-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://planformyhome.ca/contact</loc>
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  <url>
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  <!-- Blog Articles -->
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    <loc>https://planformyhome.ca/blog/first-home-guide</loc>
    <lastmod>2026-01-17</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-01-17</lastmod>
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    <priority>0.7</priority>
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    <lastmod>2026-01-17</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://planformyhome.ca/blog/alberta-vs-ontario</loc>
    <lastmod>2026-01-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-01-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2026-01-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://planformyhome.ca/blog/rent-vs-buy-decision</loc>
    <lastmod>2026-01-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Legal Pages -->
  <url>
    <loc>https://planformyhome.ca/privacy</loc>
    <lastmod>2026-01-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://planformyhome.ca/terms</loc>
    <lastmod>2026-01-13</lastmod>
    <changefreq>yearly</changefreq>
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