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      <loc>https://totalloans.com.au/blog/what-you-should-know-before-buying-subject-to-finance/</loc>
      <lastmod>2024-05-22</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/not-feeling-the-budget-love-4-ways-you-could-still-get-ahead/</loc>
      <lastmod>2024-05-15</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/low-deposit-scheme-helps-over-150000-families-buy-sooner/</loc>
      <lastmod>2024-05-08</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/heres-why-your-borrowing-power-might-soon-get-a-lift/</loc>
      <lastmod>2024-05-01</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/how-to-know-if-youre-paying-a-fair-price/</loc>
      <lastmod>2024-04-24</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/can-you-remember-your-home-loan-interest-rate/</loc>
      <lastmod>2024-04-17</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/plot-twist-millennials-are-australias-most-active-property-investors/</loc>
      <lastmod>2024-04-10</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/homeowners-now-an-extra-71000-richer-on-average/</loc>
      <lastmod>2024-04-03</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/fomo-fobo-and-foop-how-they-can-hold-you-back/</loc>
      <lastmod>2024-03-27</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/explainer-how-construction-loans-work/</loc>
      <lastmod>2024-03-20</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/why-offset-accounts-are-hitting-new-highs/</loc>
      <lastmod>2024-03-13</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/how-long-does-it-really-take-to-get-a-home-loan/</loc>
      <lastmod>2024-03-06</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/where-are-the-bargain-homes-located-in-your-suburb/</loc>
      <lastmod>2024-02-28</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/home-buyers-rejoice-more-listings-are-hitting-the-market/</loc>
      <lastmod>2024-02-21</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/theyre-back-why-property-investors-account-for-one-in-three-new-home-loans/</loc>
      <lastmod>2024-02-14</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/when-will-the-next-rate-call-be-made/</loc>
      <lastmod>2024-02-07</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/4-tips-for-self-employed-home-loan-applications/</loc>
      <lastmod>2024-01-31</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/first-home-buyers-charge-back-into-the-market/</loc>
      <lastmod>2024-01-24</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/how-your-deposit-size-can-shape-the-rate-you-pay/</loc>
      <lastmod>2024-01-17</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/the-pros-of-having-a-mortgage-broker-on-your-side/</loc>
      <lastmod>2024-01-10</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/5-new-years-resolutions-for-your-home-loan/</loc>
      <lastmod>2024-01-03</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/merry-christmas-seasons-greetings-from-all-of-us-to-you/</loc>
      <lastmod>2023-12-20</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/ho-ho-ho-the-smart-move-that-has-1-in-10-borrowers-feeling-jolly/</loc>
      <lastmod>2023-12-13</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/whats-tipped-for-house-prices-in-2024/</loc>
      <lastmod>2023-12-06</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/more-lenders-sign-up-to-low-deposit-first-home-buyer-scheme/</loc>
      <lastmod>2023-11-29</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/how-to-manage-your-home-loan-over-christmas/</loc>
      <lastmod>2023-11-22</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/the-big-stretch-should-you-extend-your-loan-term/</loc>
      <lastmod>2023-11-15</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/rba-increases-the-cash-rate-by-25-basis-points-up-to-4-35/</loc>
      <lastmod>2023-11-07</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/brokers-help-settle-a-record-7-in-10-new-mortgages/</loc>
      <lastmod>2023-11-01</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/revealed-the-four-cities-tipped-to-be-future-property-hotspots/</loc>
      <lastmod>2023-10-25</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/how-much-can-you-really-save-by-refinancing/</loc>
      <lastmod>2023-10-18</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/one-in-three-first-home-buyers-use-guarantee-schemes/</loc>
      <lastmod>2023-10-11</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/the-one-big-factor-pushing-housing-prices-up/</loc>
      <lastmod>2023-10-04</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/flat-chat-why-units-could-soon-become-hot-property/</loc>
      <lastmod>2023-09-27</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/3-ways-pre-approval-can-give-buyers-an-edge/</loc>
      <lastmod>2023-09-20</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/property-market-heads-to-new-peak/</loc>
      <lastmod>2023-09-13</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/how-does-your-home-loan-compare/</loc>
      <lastmod>2023-09-06</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/low-deposit-first-home-buyers-now-have-82000-in-equity/</loc>
      <lastmod>2023-08-30</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/help-to-buy-scheme-set-to-kick-off-in-2024/</loc>
      <lastmod>2023-08-23</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/more-aussies-turn-to-mortgage-brokers-for-a-hand-managing-rate-hikes/</loc>
      <lastmod>2023-08-16</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/sneaky-rate-hikes-is-your-lender-behind-them/</loc>
      <lastmod>2023-08-09</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/has-the-tide-turned-what-a-second-rba-rate-pause-means-for-homeowners/</loc>
      <lastmod>2023-08-02</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/why-are-fixed-rates-still-rising-and-when-might-they-drop-again/</loc>
      <lastmod>2023-07-26</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/where-homeowners-are-spending-1-billion-a-month/</loc>
      <lastmod>2023-07-19</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/could-apartment-living-help-you-dive-into-the-property-market-sooner/</loc>
      <lastmod>2023-07-12</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/mortgage-holders-breathe-a-sigh-of-relief-as-rba-puts-cash-rate-on-hold/</loc>
      <lastmod>2023-07-04</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/breaking-out-of-mortgage-prison-can-easing-serviceability-buffers-help/</loc>
      <lastmod>2023-06-28</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/homebuying-intentions-climb-as-aussies-untie-themselves-from-rental-crunch/</loc>
      <lastmod>2023-06-21</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/mortgage-serviceability-how-to-jump-through-the-hoops/</loc>
      <lastmod>2023-06-14</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/rba-attempts-to-beat-back-inflation-with-another-rate-hike-up-to-4-10/</loc>
      <lastmod>2023-06-06</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/why-more-aussies-are-turning-their-backs-on-the-mcmansion/</loc>
      <lastmod>2023-05-31</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/is-the-property-market-starting-to-rebound/</loc>
      <lastmod>2023-05-24</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/property-valuation-what-you-need-to-know-when-buying-a-home/</loc>
      <lastmod>2023-05-17</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/heads-up-business-owners-the-asset-write-off-deadline-is-looming/</loc>
      <lastmod>2023-05-10</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/more-home-buyers-set-to-benefit-from-low-deposit-no-lmi-schemes/</loc>
      <lastmod>2023-05-10</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/homeowners-brace-as-rba-raises-cash-rate-to-3-85/</loc>
      <lastmod>2023-05-02</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/tips-to-help-stay-on-top-amidst-the-rate-hike-cycle/</loc>
      <lastmod>2023-04-26</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/property-listings-and-prices-are-bouncing-back/</loc>
      <lastmod>2023-04-19</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/what-is-the-fixed-rate-cliff-and-how-can-refinancing-help/</loc>
      <lastmod>2023-04-12</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/mortgage-holders-granted-a-reprieve-as-rba-puts-interest-rates-on-hold/</loc>
      <lastmod>2023-04-04</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/money-habits-that-may-raise-lenders-eyebrows/</loc>
      <lastmod>2023-03-29</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/time-to-jump-in-first-home-buyer-deposit-saving-times-have-plunged/</loc>
      <lastmod>2023-03-22</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/got-an-eagle-eye-on-house-prices-rate-rises-are-only-part-of-the-story/</loc>
      <lastmod>2023-03-15</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/homeowners-feel-the-pinch-as-rba-lifts-cash-rate-to-3-60/</loc>
      <lastmod>2023-03-07</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/the-latest-twist-in-the-tale-of-national-property-prices-explained/</loc>
      <lastmod>2023-03-01</lastmod>
   </url>
   
   <url>
      <loc>https://totalloans.com.au/blog/take-the-heat-off-rate-hike-fears-with-these-4-tips-for-buyers/</loc>
      <lastmod>2023-02-22</lastmod>
   </url>
   </urlset>