<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Homepage -->
  <url>
    <loc>https://mortgage-compare.uk/</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Mortgage Rate Pages (High Priority - Updated Frequently) -->
  <url>
    <loc>https://mortgage-compare.uk/rates</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/rates/residential</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/rates/btl</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/rates/secured-loan</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/rates/equity-release</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/rates/islamic-mortgage</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/rates/bridging-finance</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Calculators & Tools (High Priority - Core Functionality) -->
  <url>
    <loc>https://mortgage-compare.uk/calculators</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/affordability</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/affordability/second-charge</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/property-tools/stamp-duty</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/calculators/remortgage</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/btl-rental-coverage</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/calculators/overpay-vs-save</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/calculators/fee-vs-rate</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/calculators/fixed-term-comparison</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/calculators/second-charge-comparison</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/calculators/offset</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Property Tools -->
  <url>
    <loc>https://mortgage-compare.uk/property-insight-pro</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Criteria Tools -->
  <url>
    <loc>https://mortgage-compare.uk/criteria</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog Posts -->
  <url>
    <loc>https://mortgage-compare.uk/blog</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/blog/first-time-buyer-guide</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/blog/mortgage-rate-analysis</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/blog/property-market-insights</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/blog/remortgaging-strategies</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/blog/credit-score-improvement</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/blog/stamp-duty-tax-guide</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/blog/technology-mortgage-services</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Knowledge Centre -->
  <url>
    <loc>https://mortgage-compare.uk/knowledge-centre</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/knowledge-centre/first-time-buyers</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/knowledge-centre/home-movers</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/knowledge-centre/remortgage-product-switch</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/knowledge-centre/remortgage-additional-borrowing</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/knowledge-centre/shared-ownership</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/knowledge-centre/second-charge</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/knowledge-centre/equity-release</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/knowledge-centre/income-and-expenditure</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/knowledge-centre/credit-scoring</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/knowledge-centre/property-assessment</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/knowledge-centre/deposit-guidance</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Company Pages -->
  <url>
    <loc>https://mortgage-compare.uk/about-us</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/about/sophie-harrison</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/careers</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/pricing</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/contact</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/customer-contact</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/partnership-contact</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://mortgage-compare.uk/privacy-policy</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/terms-of-service</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/gdpr</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mortgage-compare.uk/cookie-policy</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
