<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://clearpathhomeloan.com.au/</loc><lastmod>2026-04-19</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/first-home-buyer/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/refinancing/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/self-employed/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/property-investor/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/upgrading/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/not-sure/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/what-is-lmi/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/how-much-can-i-borrow/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/first-home-guarantee/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/fixed-vs-variable/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-deposit/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/glossary/</loc><lastmod>2026-04-20</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/bad-credit-home-loan/</loc><lastmod>2026-04-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/offset-vs-redraw/</loc><lastmod>2026-04-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/pre-approval/</loc><lastmod>2026-04-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/refinancing-checklist/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.95</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/financial-advisor/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/buyer-seller-agent/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.95</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/buyers-agent/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/accountant/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/selling-agent/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/conveyancer/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/contact/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/privacy/</loc><lastmod>2026-04-19</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/terms/</loc><lastmod>2026-04-19</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/disclaimer/</loc><lastmod>2026-04-19</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <!-- Capital city landing pages (Tier 1a) -->
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-sydney/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.88</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-melbourne/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.88</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-brisbane/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-perth/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-adelaide/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.82</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-canberra/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.82</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-hobart/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.78</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-darwin/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.78</priority></url>

  <!-- Sydney suburb landing pages (Tier 1b) -->
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-chatswood/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-parramatta/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-bondi/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-mosman/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/home-loan-specialist-manly/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>

  <!-- Comparison / long-tail pages (Tier 1c) -->
  <url><loc>https://clearpathhomeloan.com.au/fixed-vs-variable-2026/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/broker-vs-bank-direct/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/pay-lmi-or-wait/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.78</priority></url>

  <!-- Blog (Tier 3b) -->
  <url><loc>https://clearpathhomeloan.com.au/blog/</loc><lastmod>2026-04-19</lastmod><changefreq>weekly</changefreq><priority>0.75</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/blog/rba-2026-rate-cuts-what-it-means/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/blog/first-home-guarantee-2026-guide/</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>

  <!-- Stamp duty by state (Tier 1d) -->
  <url><loc>https://clearpathhomeloan.com.au/stamp-duty-nsw/</loc><lastmod>2026-04-22</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/stamp-duty-vic/</loc><lastmod>2026-04-22</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/stamp-duty-qld/</loc><lastmod>2026-04-22</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/stamp-duty-wa/</loc><lastmod>2026-04-22</lastmod><changefreq>monthly</changefreq><priority>0.82</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/stamp-duty-sa/</loc><lastmod>2026-04-22</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/stamp-duty-tas/</loc><lastmod>2026-04-22</lastmod><changefreq>monthly</changefreq><priority>0.78</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/stamp-duty-nt/</loc><lastmod>2026-04-22</lastmod><changefreq>monthly</changefreq><priority>0.76</priority></url>
  <url><loc>https://clearpathhomeloan.com.au/stamp-duty-act/</loc><lastmod>2026-04-22</lastmod><changefreq>monthly</changefreq><priority>0.78</priority></url>
</urlset>
