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		<lastmod>2026-10-29T07:35:09+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/housing-market-crash/</loc>
		<lastmod>2019-07-25T05:30:08+00:00</lastmod>
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		<lastmod>2019-09-24T05:49:54+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/housing-market-nz/</loc>
		<lastmod>2016-07-14T04:29:06+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/housing-market-real-estate-auckland-nz/</loc>
		<lastmod>2016-07-14T04:29:06+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/housing-price-increase/</loc>
		<lastmod>2014-10-01T01:39:42+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/how-much-deposit/</loc>
		<lastmod>2018-07-05T06:42:34+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/immigration/</loc>
		<lastmod>2016-02-28T23:36:04+00:00</lastmod>
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		<lastmod>2023-09-28T17:28:54+00:00</lastmod>
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		<lastmod>2022-12-20T21:24:19+00:00</lastmod>
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		<lastmod>2025-06-26T21:14:08+00:00</lastmod>
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		<lastmod>2024-07-30T00:05:45+00:00</lastmod>
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		<lastmod>2020-04-08T22:53:18+00:00</lastmod>
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		<lastmod>2016-07-14T04:46:57+00:00</lastmod>
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		<lastmod>2016-07-14T04:46:57+00:00</lastmod>
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		<lastmod>2023-10-29T22:50:49+00:00</lastmod>
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		<lastmod>2023-05-29T01:32:01+00:00</lastmod>
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		<lastmod>2016-07-14T04:38:50+00:00</lastmod>
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		<lastmod>2023-09-28T17:30:05+00:00</lastmod>
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		<lastmod>2016-07-14T04:37:01+00:00</lastmod>
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		<lastmod>2021-06-27T22:19:44+00:00</lastmod>
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		<lastmod>2023-12-15T00:41:35+00:00</lastmod>
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		<lastmod>2020-04-08T22:41:43+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/interest-rate/</loc>
		<lastmod>2021-08-04T22:50:12+00:00</lastmod>
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		<lastmod>2026-05-28T22:15:38+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/interest-rates-to-drop/</loc>
		<lastmod>2016-07-14T04:46:54+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/international-regulators/</loc>
		<lastmod>2016-07-14T04:29:14+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/investing-in-property/</loc>
		<lastmod>2018-10-27T02:43:14+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/investing-in-shares/</loc>
		<lastmod>2021-06-27T22:56:51+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/investing-in-small-towns/</loc>
		<lastmod>2018-08-30T23:17:37+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/investing-out-of-auckland/</loc>
		<lastmod>2020-10-20T01:43:16+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/investing-outside-of-auckland/</loc>
		<lastmod>2016-07-14T04:25:23+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/investment/</loc>
		<lastmod>2019-06-03T21:39:43+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/investment-buyers/</loc>
		<lastmod>2018-11-28T01:23:21+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/investment-home-buyers/</loc>
		<lastmod>2020-06-08T17:46:22+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/investment-property/</loc>
		<lastmod>2026-07-30T22:50:11+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/investment-tips-for-property/</loc>
		<lastmod>2017-09-28T03:14:00+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/investments/</loc>
		<lastmod>2019-04-17T03:57:15+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/kiwi-home-loan/</loc>
		<lastmod>2016-07-14T04:39:30+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/kiwi-saver/</loc>
		<lastmod>2016-07-14T04:39:30+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/kiwisaver/</loc>
		<lastmod>2026-03-30T21:50:20+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/kiwisaver-deposit/</loc>
		<lastmod>2016-07-14T04:39:30+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/kiwisaver-first-home/</loc>
		<lastmod>2016-07-14T04:52:45+00:00</lastmod>
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		<lastmod>2016-07-14T04:47:21+00:00</lastmod>
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		<lastmod>2016-07-14T04:47:21+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/lending-growth/</loc>
		<lastmod>2017-05-16T04:16:34+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/lending-up-for-first-home-buyers/</loc>
		<lastmod>2018-05-30T01:29:54+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/leverage/</loc>
		<lastmod>2019-04-14T23:04:42+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/life-insurance/</loc>
		<lastmod>2026-06-29T21:14:49+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/life-insurance-tax/</loc>
		<lastmod>2016-07-14T04:50:00+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/lisa-taylor/</loc>
		<lastmod>2018-01-29T22:02:27+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/loan-assessment/</loc>
		<lastmod>2016-07-14T04:49:20+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/loan-or-gift/</loc>
		<lastmod>2019-02-11T03:19:15+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/loan-repayments/</loc>
		<lastmod>2020-04-08T22:41:43+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/low-deposit/</loc>
		<lastmod>2019-01-23T01:04:14+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/low-deposit-investment-property/</loc>
		<lastmod>2017-04-19T04:49:32+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/low-deposit-options/</loc>
		<lastmod>2016-08-10T22:01:55+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/low-interest-rate/</loc>
		<lastmod>2016-07-14T04:49:50+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/lvr-rules/</loc>
		<lastmod>2020-05-08T22:18:49+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/medical-claims/</loc>
		<lastmod>2023-05-29T01:32:01+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/medical-costs/</loc>
		<lastmod>2023-05-29T01:32:01+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/medical-insurance/</loc>
		<lastmod>2025-11-27T19:06:33+00:00</lastmod>
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		<lastmod>2024-07-09T01:52:44+00:00</lastmod>
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		<lastmod>2026-08-30T22:48:04+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/money/</loc>
		<lastmod>2020-04-08T22:53:18+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/money-creation/</loc>
		<lastmod>2020-04-08T22:53:18+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-2/</loc>
		<lastmod>2025-07-29T05:54:01+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-application/</loc>
		<lastmod>2016-07-14T04:49:20+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-apply/</loc>
		<lastmod>2016-07-14T04:49:20+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-backed-guarantee/</loc>
		<lastmod>2016-08-10T22:01:55+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-borrowers/</loc>
		<lastmod>2016-07-14T04:37:51+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-broker/</loc>
		<lastmod>2016-07-14T04:39:50+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-deposit/</loc>
		<lastmod>2016-07-14T04:39:30+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-fixed-rate-break/</loc>
		<lastmod>2015-11-05T04:40:13+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-free/</loc>
		<lastmod>2026-08-30T22:48:04+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-guarantee/</loc>
		<lastmod>2016-08-10T22:01:55+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-insurance/</loc>
		<lastmod>2016-07-14T04:37:01+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-lending/</loc>
		<lastmod>2017-05-16T04:16:34+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-market/</loc>
		<lastmod>2017-07-28T17:27:45+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-payments/</loc>
		<lastmod>2020-01-29T22:02:20+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-protection/</loc>
		<lastmod>2023-10-29T22:50:49+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-protection-insurance/</loc>
		<lastmod>2023-09-28T17:28:36+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-reduction/</loc>
		<lastmod>2024-12-17T10:36:14+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-repayment-insurance/</loc>
		<lastmod>2024-07-30T00:05:15+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-repayments/</loc>
		<lastmod>2025-10-28T21:33:12+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-restructure/</loc>
		<lastmod>2025-10-28T21:33:12+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgage-tips/</loc>
		<lastmod>2016-07-14T04:47:49+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgages/</loc>
		<lastmod>2016-10-07T00:12:21+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/mortgages-rates-increase-in-nz/</loc>
		<lastmod>2016-07-14T04:29:14+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/mortgagesonline-mortgage-broker-compare-which-bank-is-the-best/</loc>
		<lastmod>2016-07-14T04:51:16+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/movement/</loc>
		<lastmod>2012-07-24T20:33:05+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/moving-house/</loc>
		<lastmod>2016-08-29T23:14:51+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/napier/</loc>
		<lastmod>2017-06-23T03:08:22+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/national-policy-statement-on-urban-development/</loc>
		<lastmod>2021-07-22T01:50:38+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/nett-migration/</loc>
		<lastmod>2018-05-30T01:19:29+00:00</lastmod>
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		<lastmod>2026-02-26T21:57:43+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/new-investor-rules/</loc>
		<lastmod>2017-11-29T04:50:38+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/new-investor-rules-auckland/</loc>
		<lastmod>2016-07-14T04:25:23+00:00</lastmod>
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		<lastmod>2018-06-07T09:44:55+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/new-zealand-rates-increase/</loc>
		<lastmod>2016-07-14T04:29:14+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/non-bank/</loc>
		<lastmod>2019-07-25T21:50:05+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/nz-bank/</loc>
		<lastmod>2016-07-14T04:47:15+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/nz-government/</loc>
		<lastmod>2012-05-01T02:30:57+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/nz-house-prices/</loc>
		<lastmod>2026-05-28T22:15:38+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/nz-housing-bubble/</loc>
		<lastmod>2019-07-25T05:30:08+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/nz-property/</loc>
		<lastmod>2026-07-30T22:31:45+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/ocr/</loc>
		<lastmod>2021-05-28T05:03:48+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/ocr-drops/</loc>
		<lastmod>2016-07-14T04:24:17+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/off-the-plans/</loc>
		<lastmod>2023-11-21T23:13:22+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/offset/</loc>
		<lastmod>2024-06-20T00:51:47+00:00</lastmod>
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		<loc>https://dev.mortgagesonline.co.nz/tag/offset-mortgage/</loc>
		<lastmod>2021-05-12T04:30:34+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/offshore-buyer/</loc>
		<lastmod>2016-06-29T03:45:00+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/offshore-buying/</loc>
		<lastmod>2018-08-30T23:29:13+00:00</lastmod>
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	<url>
		<loc>https://dev.mortgagesonline.co.nz/tag/opes-partners/</loc>
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