<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/blog</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-24</lastmod>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/blog/bank-statements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6881ce01ca460403707e0449/be5ea672-3c64-4d6c-a8d5-1e900d49a8ce/unsplash-image-c2Y16tC3yO8.jpg</image:loc>
      <image:title>Blog - Preparation for Pre-Approval: What's in Your Bank Statements?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/blog/why-do-people-refinance-their-mortgage-in-new-zealand</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6881ce01ca460403707e0449/1e5ce922-d172-4744-a87f-b8cdda09de14/unsplash-image-_-mJjhpcS_g.jpg</image:loc>
      <image:title>Blog - Why Do People Refinance Their Mortgage in New Zealand?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/blog/the-power-of-rounding-up-your-mortgage-repayments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6881ce01ca460403707e0449/32536845-8a70-425d-a542-6d8a5930304c/Example%3A+Remaining+mortgage+balance+over+time+with+standard+vs+rounded+up+repayments</image:loc>
      <image:title>Blog - The Power of Rounding Up Your Mortgage Repayments - Example: $600,000 Mortgage Over 30 Years</image:title>
      <image:caption>Loan: $600,000 Interest rate: 4.49% Term: 30 years Minimum repayment: approximately $3,037 per month If you round this up to $3,200 per month, that is only $160 extra per month. Based on this example: • The loan could be paid off around 3 years earlier • You could save approximately $56,700 in interest This is a lot of money saved from a small monthly increase! ~ This example assumes the interest rate remains at 4.49% for the full 30 year term. In reality, interest rates change over time, so the actual time saved and interest saved may differ.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/blog/how-to-build-a-deposit-for-your-first-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6881ce01ca460403707e0449/556ec155-0691-4b42-acd9-3a0c35e80b4d/unsplash-image-jkwWCG6wYcI.jpg</image:loc>
      <image:title>Blog - How To Build a Deposit For Your First Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/blog/the-hidden-costs-of-buying-a-house-beyond-the-deposit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6881ce01ca460403707e0449/1769063877201-J6CGWR30EDBKFJAZBOAN/unsplash-image-I3HPUolh5hA.jpg</image:loc>
      <image:title>Blog - The Hidden Costs of Buying a House (Beyond the Deposit) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/blog/lvr</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-02</lastmod>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/oldhome456789</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6881ce01ca460403707e0449/0b4b7f6a-3b68-46ee-a6db-4a2a6486ae3c/Mikey+Smith+Brand+%281%29.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6881ce01ca460403707e0449/1753341452153-2YUACAQTAZXCGUBA3UI0/unsplash-image-YDiay8x5Hiw.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/get-in-touch</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-01</lastmod>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-29</lastmod>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/budget-planner</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-18</lastmod>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/calculator</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-18</lastmod>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2026-03-30</lastmod>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/new-page</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-30</lastmod>
  </url>
  <url>
    <loc>https://www.brianamortgageadviser.co.nz/thank-you</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-31</lastmod>
  </url>
</urlset>

