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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1663610765869-I4XOJYFT1XIY34E7401I/property-investment-and-mortgage-financial-concept-2021-09-03-04-07-41-utc+%281%29.jpg</image:loc>
      <image:title>Blog Posts - Why Is Refinancing One of the Best Mortgage Strategies? - If you're looking to save money on your mortgage,</image:title>
      <image:caption>you may consider refinancing mortgage strategies in Canada. Refinancing is the process of taking out a new loan to replace your existing mortgage. This new loan can have different terms than your original loan, saving you money over the life of the loan.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/home-construction-loan-vs-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1665091581335-ZTQXLGB52QV4E8O5IQZ9/taking-out-house-loan-2021-12-09-15-12-46-utc.JPG.jpg</image:loc>
      <image:title>Blog Posts - Home Construction Loan and a Mortgage: Which to Pick? - Construction loans in Canada</image:title>
      <image:caption>are becoming increasingly popular as more people look to build their own homes.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/attain-sustainable-passive-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1665091250141-6A5NW2P855L1XMDHYM3X/couple-moving-to-a-new-home-happy-married-people-2021-08-26-17-43-15-utc.JPG.jpg</image:loc>
      <image:title>Blog Posts - Home Buying Secrets: Attaining a Sustainable Passive Home - Looking to learn more about passive houses</image:title>
      <image:caption>and how they can help reduce your energy costs and carbon footprint? Check out this comprehensive guide as we unpack one of the home buying secrets you never know about: passive houses in Canada!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/buying-a-cottage-or-cabin-in-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1665755767178-P5ZX0AMOW7VX655HILPG/unsplash-image-ExOmPidaHvY.jpg</image:loc>
      <image:title>Blog Posts - What You Need to Know When Buying a Cottage or Cabin in Canada - You may be eyeing a lakefront cottage or perhaps a cabin in the middle of the woods.</image:title>
      <image:caption>Either way, you know that recreational homes are an excellent investment, especially when you're looking forward to spending happy moments with your family in them.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/how-to-get-a-commercial-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1665755951175-YQHPHR7CKWEVWHYO349P/unsplash-image-RnmWQkwtFuE.jpg</image:loc>
      <image:title>Blog Posts - An Essential Guide on How to Get a Commercial Mortgage - A commercial mortgage is a loan used to finance the purchase of a commercial property.</image:title>
      <image:caption>Commercial mortgages are available from various lenders, including banks, credit unions, and private lenders.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/financing-a-vacation-home-or-cottage-how-to-make-your-dream-a-reality</loc>
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    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/should-you-pick-a-fixed-rate-loan-or-a-variable-rate-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1666883586496-CMNSPFUEY9AHJ6RC2OBE/unsplash-image-OQMZwNd3ThU.jpg</image:loc>
      <image:title>Blog Posts - Should You Pick a Fixed-Rate Loan or a Variable-Rate Loan? - Are you on the hunt for a loan?</image:title>
      <image:caption>Well, one thing you must always consider before picking one is the type of rate it has. Some may have fixed rates, while others may offer variable rates.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/everything-you-need-to-know-about-the-mortgage-stress-test</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1666883730099-U6C3BT9CONCHU2O5PJ97/unsplash-image-bmJAXAz6ads.jpg</image:loc>
      <image:title>Blog Posts - Everything You Need to Know about the Mortgage Stress Test - For many Canadians the idea of buying and owning a house is a dream come true.</image:title>
      <image:caption>However, before you get to that point, you need to be capable of bearing the cost of applying for a mortgage and buying a house.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/what-non-residents-should-know-about-mortgages-in-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1666883987906-YFKYPZ15LYEIOW8EDNAH/unsplash-image-sPpe2D7VbpM.jpg</image:loc>
      <image:title>Blog Posts - What Non-Residents Should know about Getting Mortgages in Canada - Can foreigners buy real estate in Canada?</image:title>
      <image:caption>Yes, absolutely!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/tip-on-dealing-with-todays-astronomical-interest-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/3-best-practices-in-applying-for-a-mortgage-in-canada-faster</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-14</lastmod>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/what-to-know-about-the-tax-free-first-home-savings-account</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/3-requirements-immigrants-in-canada-need-for-a-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/how-inflation-affects-mortgage-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/what-to-know-about-private-mortgage-lending</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2022-10-27</lastmod>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/what-you-must-know-about-self-employed-mortgage-in-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/second-mortgage-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1665579476329-S7YJJPIE91523VJEMLVB/unsplash-image-OQMZwNd3ThU.jpg</image:loc>
      <image:title>Blog Posts - Everything You Need to Know About Second Mortgage Loans - What Is a Second Mortgage Loan?</image:title>
      <image:caption>You would think that one mortgage is enough to finance your home. But sometimes, this is not the case. And that's why people end up taking out a second mortgage loan. But second mortgage loans can be risky. So, it's best to fully understand what you're getting yourself into before committing to a second mortgage.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/tips-mortgage-self-employed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1665092397147-G6X9XPW8X9TY720MKDQ4/desperate-young-couple-with-debts-reviewing-their-2021-09-02-19-14-35-utc+%281%29.jpg</image:loc>
      <image:title>Blog Posts - 5 Tips on How to Get a Mortgage for the Self-Employed - Obtaining a mortgage when you’re self-employed can feel overwhelming at first.</image:title>
      <image:caption>You can’t follow the traditional path of earning a steady salary, but it’s still easy to manage. Your corporation might have enough income to generate a salary for you. The mortgage industry is deeply rooted in an antiquated system that has failed many, but industry leaders are also looking for an alternative solution.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/factors-buying-house-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1665579714967-Z42TZ0QBGTWQT4IUXKUD/unsplash-image-bjej8BY1JYQ.jpg</image:loc>
      <image:title>Blog Posts - 4 Common Factors to Consider Before Buying a House in Canada - First-time homebuyers in Canada may feel excited to own their first home.</image:title>
      <image:caption>However, being realistic in considering the factors that may affect the investment should help people choose the house that best fits their needs and preferences. But before buying a home in Canada, which factors should you consider? Here are some ideas.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/canada-newcomer-mortgage-options</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1653668459508-QO03GH5FEICDX817IK5O/homeowners-mortgage-loan-real-estate-parents-ma-2022-02-09-23-50-51-utc+%281%29.jpg</image:loc>
      <image:title>Blog Posts - Newcomer to Canada: Here Are Some Mortgage Options! - Are you in Canada already, or have you not arrived yet?</image:title>
      <image:caption>Whatever the case may be, now is a great time to look into your options for understanding and obtaining a mortgage! There's no such thing as being too early or too late at looking into immigrant mortgage options. Staying informed and having a good grasp of the steps and what's involved can prove beneficial to the home search and mortgage approval.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/how-to-get-a-self-employed-mortgage-in-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1651782989815-JPGXP2W2JMX86N14HRGZ/unsplash-image-05XcCfTOzN4.jpg</image:loc>
      <image:title>Blog Posts - How to get a Self-Employed Mortgage in Canada - Are you someone who is self-employed and is having issues with getting a mortgage?</image:title>
      <image:caption>This might be because your accountant suggested you write off as many expenses as possible to reduce your personal income taxes. That's good for your tax bill, but not so good for your mortgage opportunities. There are many nuances to succeeding with your mortgage as an entrepreneur, but in this article, we're going to cover the first major considerations, including what trade-offs you need to balance when it comes to paying fewer taxes, and also how you can qualify for the mortgage you need.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/get-mortgage-when-self-employed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1653668110693-T6697DPJ2LKGS7EUHBAM/woman-realtor-or-mortgage-consultant-holds-a-minia-2021-12-24-19-39-20-utc+%281%29.jpg</image:loc>
      <image:title>Blog Posts - What to Know About Getting a Mortgage When Self-Employed - 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.levelupmortgages.com/blog-posts/mortgage-options-us-newcomers-to-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1653668815842-CLGAXCIDMG7MKX8QAVZV/pexels-alena-darmel-7641900.jpg</image:loc>
      <image:title>Blog Posts - The Different Mortgage Options for U.S Newcomers to Canada - 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.levelupmortgages.com/blog-posts/refinancing-mortgage-help-with-repayment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1653667088510-OG0G8JXG2BB1BOWL9TYB/adviser-giving-consultation-on-house-mortgage-2021-09-24-03-00-45-utc+%281%29.jpg</image:loc>
      <image:title>Blog Posts - How Refinancing Your Mortgage Can Help You with Repayment - 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.levelupmortgages.com/blog-posts/fixed-variable-interest-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1649971837353-39FP4L68T50WEOIB5WC3/unsplash-image-avvRANuWKkQ.jpeg</image:loc>
      <image:title>Blog Posts - Fixed Interest Rates Vs Variable Interest Rates—Which To Pick? - Are you looking for a mortgage to purchase your new home?</image:title>
      <image:caption>One of the biggest concerns you should have is its interest rate. Sure, different mortgages come with different rates—some higher and some lower. However, you need to be aware of two types of rates: fixed and variable.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/tips-first-time-homebuyer-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1649972194302-9LT6WI892PZUMLWNQA1I/unsplash-image-7tkDoo2L_Eg.jpeg</image:loc>
      <image:title>Blog Posts - 5 Tips to Consider as a First-Time Homebuyer in Canada - For many, buying a home for the first time can be just as exciting as it is exhausting.</image:title>
      <image:caption>It’s exciting because you're taking a leap in the right direction in terms of building equity and security. It's scary because it's a huge financial decision that can be very risky if you're not careful. Rushing into buying a home too quickly can be a mistake. It's important to really think through what you're doing and to make sure that you are prepared. You’re going to be an independent adult, with all the burdens and freedoms that come with that. What do you need to know before moving into the home of your dreams? What can you expect when you’re buying a home? And what should you be aware of right out of the gate? Here are some important considerations for buying your first home in Canada.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/mortgages-credit-score-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1649972446839-2XR5KOG2AZ6KBNU47YFQ/unsplash-image-jpHw8ndwJ_Q.jpeg</image:loc>
      <image:title>Blog Posts - Canadian Mortgages: What are the Credit Score Requirements? - 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.levelupmortgages.com/blog-posts/buy-the-right-home-in-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1649280563905-Z47JSJZ6DUFZZKJ4U4M0/home-buying-broker-holding-the-key-2021-09-03-09-31-23-utc+%281%29.jpg</image:loc>
      <image:title>Blog Posts - 4 Things You Must Do To Buy The Right Home In Canada - For many individuals living in Canada,</image:title>
      <image:caption>owning a home is a dream that they have. Of course, the reason behind this may vary. Some may simply want a home of their own to live in, while others see it as a lucrative business opportunity to up their income. Regardless, as a homeowner, there are a lot of responsibilities, and it isn't for everyone.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/getting-a-second-mortgage-in-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1648049558452-W8AM7BEIOHYZ8SBUMUAE/successful-positive-deal-lawyer-financial-advisor-2021-10-28-16-23-10-utc+%281%29.jpg</image:loc>
      <image:title>Blog Posts - Getting a Second Mortgage in Canada: Here's What to Consider - What is a Second Mortgage?</image:title>
      <image:caption>A second mortgage is another loan you can take out based on the equity of your house. If you take out a second mortgage, you'll be using the equity in your house as collateral. This means that if you fail to pay back this loan, the lender can sell your house to pay for the remaining debts. It's also important to note that a second mortgage is much costlier than the first mortgage since the borrower undertakes a more serious risk.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/strategies-in-first-time-homebuying</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1646760816252-FNSVMNHJH2II09TOHU8A/pexels-gustavo-fring-7489107.jpg</image:loc>
      <image:title>Blog Posts - Follow These Foolproof Strategies in First-Time Homebuying - Undergo an Actual Pre-Approval</image:title>
      <image:caption>You might think that you get pre-approved by your mortgage lender when you first meet with them, but that isn't the case. A pre-approval is a specific term that is different from a prequalification. When pre-approved, you are given a specific number based on your financial situation. You can then go out and follow your dream of buying a home. However, if you purchase a home without being pre-approved, you could be in for some issues. For example, if you are pre-approved for 500 thousand dollars and buy a 600-thousand home, you could run into some problems with the bank.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/contract-worker-loans-self-employed-persons</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1645718858356-3L4EUJQARM0GWVAFRQFI/teacher-self-employed-female-working-on-laptop-rem-2021-10-29-21-46-03-utc+%281%29.jpg</image:loc>
      <image:title>Blog Posts - Loans for Contract Workers: Self Employed Persons in Canada - It's not impossible to get a loan in Canada if you're self-employed.</image:title>
      <image:caption>Usually, that just means more documentation is required. Largely, it's so that clear proof comes through about your income. If you had a regular employer you'd get paychecks and the like; since you employ yourself, you need to prove how consistent your pay is and for how much. Now that you’re self-employed, you might have to put in some extra time, but you can do it. Getting along has to be approached much like they are able to be self-employed. It's entirely possible for the chances of being approved to improve.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/newcomers-challenges-when-buying-a-house</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1645458025468-V3ZUQNTRQEMEWVLKNY4D/female-realtor-shaking-hands-with-couple-intereste-2021-08-26-16-15-36-utc+%281%29.jpg</image:loc>
      <image:title>Blog Posts - The Challenges Newcomers in Canada Face When Buying a House - Welcome to Canada, your home sweet home!</image:title>
      <image:caption>Or so you would think, considering the dramatic increase in newcomers settling down across the great nation. If you’re one of these new Canadians, or even if you’re thinking of making the move, there are a few challenges we all share, and it might be time to prepare yourself for them ahead of time. What are they?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/newcomers-looking-get-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1645457343718-VC01EE7111NQLEFW3BVT/unsplash-image-jpHw8ndwJ_Q.jpg</image:loc>
      <image:title>Blog Posts - Available Options for Newcomers Looking to Get a Mortgage</image:title>
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  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/home-renovation-loans-options-in-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1644519427183-O8X526T65NC39QHABPN1/pexels-mart-production-7415022.jpg</image:loc>
      <image:title>Blog Posts - Home Renovation Loans: Knowing Your Options in Canada - Did you know that you can get a loan to renovate a home that you are purchasing?</image:title>
      <image:caption>You can add the costs to your mortgage using what is called a Purchase Plus Improvements mortgage. Of course, this only applies to properties you intend to purchase in Canada.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/when-to-lock-variable-to-fixed-rate-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/061d95a9-2729-4e9c-a7be-6ff317199518/paola-aguilar-O-FR79xcGh8-unsplash.jpg</image:loc>
      <image:title>Blog Posts - When should you lock in your variable to a fixed rate mortgage? - If you are buying a home in 2022, which option will save you the most money?</image:title>
      <image:caption>If you understand the innate differences between fixed and variable rates then the below breakdown will help you make the best-educated decision. First, let’s address if it’s worth it for you even if the direst of rate hike predictions come true.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/0a70ef1b-ad84-47b6-ad87-4f68ea5528f2/Level+Up+Mortgages+Rate+Increases.png</image:loc>
      <image:title>Blog Posts - When should you lock in your variable to a fixed rate mortgage? - 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.levelupmortgages.com/blog-posts/credit-score-vs-credit-rating</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1644519851502-OIUH4I1XNXW04MX7BAT3/pexels-karolina-grabowska-4968391.jpg</image:loc>
      <image:title>Blog Posts - Understanding Credit Score vs. Credit Rating - Credit Score vs. Credit Rating</image:title>
      <image:caption>The terms credit score and credit rating are more or less used interchangeably in casual conversation, but there is a difference. A credit score ranges from 300 to 900. Nine indicates the highest risk for payment default, while a credit rating is one to nine and is specific to individual accounts or tradelines that appear on a credit report.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/guide-to-first-time-home-buyer-incentive</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1643053504667-SJVZ3N0L003H2BY3PE1F/maria-ziegler-jJnZg7vBfMs-unsplash.jpg</image:loc>
      <image:title>Blog Posts - Beginner’s Guide to First-Time Home Buyer Incentive - One of the best ways to make buying a house easier is the First-Time Home Buyer Incentive.</image:title>
      <image:caption>While buying a house can be a rather daunting experience, there are ways to make it easier. Considering how grueling this process can be, it would be in your best interest to do all you can to make buying a house go more smoothly. One of the best ways to make buying a house easier is the First-Time Home Buyer Incentive.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/c77b8831-496d-450f-9b7e-52a927517c72/FTHB.png</image:loc>
      <image:title>Blog Posts - Beginner’s Guide to First-Time Home Buyer Incentive - 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.levelupmortgages.com/blog-posts/everything-to-know-about-purchase-and-improvement-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1642612441931-H3LY57BLXKDEWZ6NLK3R/pexels-mikhail-nilov-7731349.jpg</image:loc>
      <image:title>Blog Posts - Here’s Everything to Know About Purchase and Improvement Loans - Consider the following scenario:</image:title>
      <image:caption>you've been looking for a home and have seen numerous, each time acquiring a better picture of your perfect home.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/second-mortgage-works</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1644518577107-WHCR8KSIR7H4ZDG2JY1U/pexels-kindel-media-7578860.jpg</image:loc>
      <image:title>Blog Posts - How a Second Mortgage Works - As a homeowner who wishes to unlock the equity</image:title>
      <image:caption>that you’ve already built up in your current property, you might have been toying with the idea of getting a second mortgage.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/guarantor-vs-a-co-signer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1644519079871-2V20B2H740588Q2GB7TW/pexels-cytonn-photography-955389.jpg</image:loc>
      <image:title>Blog Posts - What’s the Difference Between a Guarantor and a Co-Signer? - Buying your dream home is something not all people have the means to do for many reasons.</image:title>
      <image:caption>They could be in a financial state where getting approved for a mortgage is extremely difficult due to bad credit or having a low income</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/repair-your-bruised-credit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1640633000737-BJBD71SL1K44T0RS6D0B/rupixen-com-Q59HmzK38eQ-unsplash.jpg</image:loc>
      <image:title>Blog Posts - How to Repair Bruised Credit - 57% of Canadians don’t check their credit scores.</image:title>
      <image:caption>Your credit score can determine whether or not you are granted a residential lease or a mortgage?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/closing-a-credit-card-can-affect-credit-score</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1640632598982-ZVPPHG6X3XS2XZYUVF8C/pexels-alena-darmel-7641853.jpg</image:loc>
      <image:title>Blog Posts - How Closing Your Credit Card Can Affect Your Credit Score - One of the most common questions in personal finance is whether to cancel unused credit cards.</image:title>
      <image:caption>After all, if you aren't using the card, why keep it?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/mortgages-and-property-division-work-during-a-divorce</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1640628673609-CN5WLWUDDXLGVEHC5E6Y/pexels-rodnae-productions-8293778.jpg</image:loc>
      <image:title>Blog Posts - How Mortgages and Property Division Work During a Divorce - Unfortunately, you and your partner will never be free of your shared debt obligations.</image:title>
      <image:caption>It’s just like a marriage: no matter how badly things go, you can’t get out of your mortgage. And your mortgage is just like a relationship: it will take what it is entitled to. Spouses can dissolve their marriages, but unfortunately, they can’t dissolve their mortgages.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/heres-how-you-can-buy-a-house-with-no-down-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1640633354420-JGMS45EB9TW18WBOKARE/pexels-kindel-media-7578973.jpg</image:loc>
      <image:title>Blog Posts - Here’s How You Can Buy a House with No Down Payment - Buying a house requires a down payment, much to everyone's worry.</image:title>
      <image:caption>Even the smallest percentage of a down payment for a home would end up being a big amount that not everyone can afford.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/heres-how-you-build-your-credit-score</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1637853711153-0GZAEFR4AQRLM9O8SUCT/gabrielle-henderson-HJckKnwCXxQ-unsplash.jpg</image:loc>
      <image:title>Blog Posts - New to Canada: Here’s How You Build Your Credit Score - Building a credit score is a difficult task.</image:title>
      <image:caption>It involved paying bills on time, having a good record with your bank, and more. However, a lot of times, when you move, your credit score in another location is not acknowledged at your new place.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/non-residents-guide-to-getting-a-mortgage-in-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1637269936973-MO8WARNMM8XU3555VOE9/pexels-ketut-subiyanto-4246218.jpg</image:loc>
      <image:title>Blog Posts - A Non Resident’s Guide to Getting a Mortgage in Canada - In this Non-residents guide to getting a mortgage in Canada,</image:title>
      <image:caption>we'll review how to assess the current market, find the right lender, and plan for taxes and down payment. But first, let’s define what a Canadian non-resident is. Simply put, a non-resident is someone who routinely or lives typically outside of the country.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/construction-mortgages-in-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/46b58d6a-0a73-47f6-84ef-3564a119a46b/Everything+You+Need+to+Know+About+Construction+Mortgages+in+Canada</image:loc>
      <image:title>Blog Posts - Everything You Need to Know About Construction Mortgages in Canada - When it comes to shopping for your dream home or finding the right cottage property,</image:title>
      <image:caption>it could take months searching all over town for a house that is just the right one for you, only to come up empty-handed. Why?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/rrsp-loans-home-buyers-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1628514255457-9XDIHZW1ZCH0RW6J3SW1/RRSP+Loans+Can+Get+You+Thousands+of+Dollars+For+Your+Home+Purchase+Case+Study.jpeg</image:loc>
      <image:title>Blog Posts - RRSP Loans Can Get You Thousands of Dollars For Your Home Purchase: Home Buyers Plan - Are you thinking about buying a home within the next year,</image:title>
      <image:caption>but can’t seem to save the down payment and closing costs fast enough? Here is a trick to get you there much faster by using the Home Buyers Plan which smartly leverages RRSP loans and gets you a tax refund in the thousands. In the case study below, a young couple made $21,000 appear overnight by smartly using RRSP loans and then applying for a mortgage.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/mortgage-strategies-selling-and-buying</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1667505482878-TXUPZBOFUILCML2TN1SQ/unsplash-image-3Ignkeds3w8.jpg</image:loc>
      <image:title>Blog Posts - 5 Mortgage Strategies To Consider When Selling and Buying Real Estate At Once - As people make a furious rush to either upsize or downsize in a hot market,</image:title>
      <image:caption>there are some often overlooked mortgage strategies to consider when buying and selling real estate at once. Failing to plan ahead can cause some serious stress and jeopardize the potential of your new home.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/canadian-foreign-and-local-housing-taxes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1620745863444-0RN0KJD66VJIAO99KTDL/Canadian+Foreign+and+Local+Housing+Taxes+You+Can%27t+Afford+to+Ignore.jpg</image:loc>
      <image:title>Blog Posts - Canadian Foreign and Local Housing Taxes You Can't Afford to Ignore - If you are a foreign investor or homeowner you’ll want to be</image:title>
      <image:caption>acutely aware that Canada has many housing taxes that have been introduced throughout the recent years. While most provinces will have similar approaches, **below is how Ontario and British Columbia** set the various taxes that apply when you just buy a home and on a yearly basis for both locals and foreigners.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1620744629943-Q8ADX63OLP8CIRPRCNYL/Toronto+LTT.png</image:loc>
      <image:title>Blog Posts - Canadian Foreign and Local Housing Taxes You Can't Afford to Ignore - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1620745043357-YU5ENQ5XM02VE2G44ZUW/BC+PTT.png</image:loc>
      <image:title>Blog Posts - Canadian Foreign and Local Housing Taxes You Can't Afford to Ignore - 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.levelupmortgages.com/blog-posts/cmhmfirsttimehomebuyer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1667506302935-5WO83CRCJLA71BCXVMT5/unsplash-image-1ddol8rgUH8.jpg</image:loc>
      <image:title>Blog Posts - What New First-Time Homebuyer Programs Save You Thousands? - There are many First-Time Home Buyer programs currently out there but some of them might not be worth it for you.</image:title>
      <image:caption>The first half of this article will focus on the most controversial one and at the end, you’ll see other programs to consider.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1579799221140-AMFV41SRX5P3CVGH380U/Screen+Shot+2020-01-23+at+8.47.52+AM.png</image:loc>
      <image:title>Blog Posts - What New First-Time Homebuyer Programs Save You Thousands?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/p4xn33gyy3yl69uvvdacxmtl1lu3uc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1618258872876-E17QGVOWB16ZC54PLNDZ/level+up+mortgages.jpg</image:loc>
      <image:title>Blog Posts - Starting June 1, 2021 You Might Need To Save $20,000-$45,000 More To Afford The Same Home - Starting June 1, 2021 you might need to save $20,000-$45,000 more to afford the same home</image:title>
      <image:caption>Starting June 1, 2021 you might need to save $20,000-$45,000 more to afford the same home after an announcement last week by the Office of the Superintendent of Financial Institutions (OSFI). As of now, this only applies if you are planning to have 20% down payment or more.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/what-to-consider-before-a-firm-subject-free-cash-offers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1615493476906-9R2O1MNDA1YH6LCNB923/What+To+Consider+Before+A+Firm+Subject-Free+Cash+Offers+Level+Up+Mortgages.jpg</image:loc>
      <image:title>Blog Posts - What To Consider Before A Firm Subject-Free Cash Offers - Before you consider putting in a firm subject-free cash offer,</image:title>
      <image:caption>you need to understand the risks involved and understand that usually this can backfire because of something being wrong with the property instead of your paperwork.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/fixed-rates-shoot-up-3-overnight</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1615815236398-IJFHCILHREXIAB6VMDI9/closeup-shot-person-thinking-buying-selling-house.jpg</image:loc>
      <image:title>Blog Posts - Fixed Rates Shoot Up .3% Overnight While Variable Rates Rumoured To Decrease by .25% - All the murmurs of fixed rates rising finally came to fruition</image:title>
      <image:caption>as rates jumped as high as .3% overnight as the rate hike dam burst. This means that someone seeking a $500,000 mortgage needs to pay almost $1000 more a year than they did yesterday - procrastinating is getting expensive. Get pre-approved to have your rate reserved and consider a variable rate which is rumoured to go down in the coming months.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1614346798238-5M0H7IFJMBUDHXDHZSWE/Screen+Shot+2021-02-26+at+8.21.01+AM.png</image:loc>
      <image:title>Blog Posts - Fixed Rates Shoot Up .3% Overnight While Variable Rates Rumoured To Decrease by .25%</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/armani-casa-interview-with-nora-szeleczky</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1613033659580-M0AIXTFSFTLV4784N91U/DSC_3158+%282%29.jpg</image:loc>
      <image:title>Blog Posts - Armani Casa Interview with Nora Szeleczky - As you start to consider buying your personal home or investment property</image:title>
      <image:caption>it’s important to consider how world-class design can impact the space. In an exclusive interview with the Director of Armani Casa, Nora Szeleczky, we uncover how the global Italian fashion giant approaches home decor so you can live boldly or home stage your place at a new level.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1613033502645-2VDMCQI5XWDJ799UHNNT/1597532329047.jpeg</image:loc>
      <image:title>Blog Posts - Armani Casa Interview with Nora Szeleczky</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1612519787977-Q9N0JYL614R5G5O1FUS3/DSC_3078%2B%25281%2529.jpg</image:loc>
      <image:title>Blog Posts - Armani Casa Interview with Nora Szeleczky</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/record-reverse-mortgage-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1615814923139-GKRH9A8UQ0VGPSW9JDKN/young-man-and-woman-working-together-on-laptop-paying-utility-bills-via-internet-or-using-online-mortgage-calculator-to-save-money-on-home-loan-looking-at-screen-with-serious-concentrated-expression.jpg</image:loc>
      <image:title>Blog Posts - Record Reverse Mortgage Rates - The addition of a 2nd reverse mortgage provider</image:title>
      <image:caption>combined with the COVID-19 pandemic has been a catalyst in setting record low reverse mortgage rates which provide a steady stream of cash flow for baby boomers who have worked hard enough in their life but simply have not been able to save enough money to enjoy their golden years.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1610072311840-PKLEVXHCRTYWFLZO7KZ5/Equitable%252BBank%252BRates</image:loc>
      <image:title>Blog Posts - Record Reverse Mortgage Rates</image:title>
      <image:caption>Source: https://www.equitablebank.ca</image:caption>
    </image:image>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1606953776818-9X4JK79QE9OQHGZ1WMJ4/woman-687560_1920.jpg</image:loc>
      <image:title>Blog Posts - Fixed Rate vs. Variable Rate: What One Should I Choose? - 75% of Canadians choose fixed-rate vs variable-rate mortgages</image:title>
      <image:caption>because they want the "peace of mind" of paying the same every month and the rate not changing on them...but do they have the full picture? And what is best for you?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/self-employed-afford-bigger-mortgages</loc>
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    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1610658354163-CO1PMDJH0B07NXN23HYA/self-employed.jpg</image:loc>
      <image:title>Blog Posts - How The Self-Employed Can Afford Bigger Mortgages | Gross Up Strategies and Stated Income Programs</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/mortgage-costs-in-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1615815817147-5CB9B8KWROJOIG7KVZ81/blog+page+banner+levelup+mortgages.jpg</image:loc>
      <image:title>Blog Posts - The Breakdown on Mortgage Costs in Canada - How to Calculate Closing &amp;amp; Total Monthly Costs - Any mortgage calculator can whip up estimated monthly mortgage payments</image:title>
      <image:caption>but what is often left as a surprise with many future homeowners is the addition of one-time closing and total recurring monthly costs in which the latter can account for approximately 40% of the monthly mortgage costs! Most mortgages in Canada are in the $300,000-$500,000 total so let’s take an example of where your total costs might sit as we take into account the full picture of costs you should be budgeting for.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/mortgage-affordability</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/collateral-mortgages</loc>
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    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1586970477694-UL0FSITFIYPVE0TB8GRI/Level+Up+Collateral+Mortgage</image:loc>
      <image:title>Blog Posts - How Collateral Mortgages Help You Access Cash Without Breakage Penalties</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/getting-you-mortgage-pre-approval-now</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/refinancing-saves-money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/cashflow-strategies-for-self-employed-people</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1587591642711-DBD7AA5O0MFBSCOUTQRS/Trudeau+Level+Up+Mortgages.png</image:loc>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/coronavirus-and-real-estate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1583872984898-AU14VIQ3VKBNNQPMUR7O/Coronavirus_AP_20028490325139_2500.jpg</image:loc>
      <image:title>Blog Posts - The Coronavirus and Mortgage Rates: Is Now the Perfect Time to Buy? - There may be a silver lining of the Coronavirus pandemic when it comes to real estate:</image:title>
      <image:caption>those who are in the market for a new home or investment property may be in for some big savings. Along with the outbreak of COVID-19, we’ve seen variable mortgage rates drop to as low as two percent— which means now could be the perfect time to refinance or purchase a new home. If you’re curious how and why the Coronavirus is affecting the real estate market and what this could mean for you, read on.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/build-or-repair-your-credit-score</loc>
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    <lastmod>2022-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1611741311923-AGZGFYF63EMF56SBRVCH/mortgage-consumers.jpg</image:loc>
      <image:title>Blog Posts - How to Build or Repair Your Credit Score So That You Can Get the Best Mortgage Rates - Only one-third of Canadians check their credit score before applying for a mortgage.</image:title>
      <image:caption>Even fewer actually know what factors can improve or damage their credit score. This article will ensure you have a good understanding of these facts so that you’re not surprised by needing to pay a higher mortgage rate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/lessons-to-learn-from-bianca-andreescucanadas</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-21</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/a1ade880-28da-46d0-a911-54879482006c/Credit%3A+Hoi+Pham</image:loc>
      <image:title>Blog Posts - 5 Lessons You Can Learn From Bianca Andreescu—Canada’s Tennis Star, About Getting The Mortgage You Want - Self-employed Canadians are finding it increasingly difficult to qualify for their ideal mortgage</image:title>
      <image:caption>as stress tests (which qualify you for a mortgage loan) and financing tighten up. But that doesn’t stop entrepreneurs like you who are competitive and persistent. Instead of giving up or taking no for an answer, you find inspiration and seek answers by looking to other people's wins and how they got ahead.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1575741768813-BJFH0T9P8UPYC3X3SC09/Screen+Shot+2019-12-07+at+9.51.25+AM.png</image:loc>
      <image:title>Blog Posts - 5 Lessons You Can Learn From Bianca Andreescu—Canada’s Tennis Star, About Getting The Mortgage You Want</image:title>
    </image:image>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-03</lastmod>
    <image:image>
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      <image:title>Blog Posts - Newcomers to Canada: Everything You Need to Know About Buying a Home - New to Canada? Here’s How to Get Your First Mortgage</image:title>
      <image:caption>If you’re new to Canada and want to start looking into your mortgage options, you’re in luck. Given the increasingly closed-off immigration policies in America, Canada knows that its policy to openly encourage immigration comes at an opportune moment. There are various newcomer mortgage products and specialized lenders that have flexibility in credit history, employment history, and even on early immigration status.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/blog-posts/three-things-self-employed-people-cant-forget</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2022-11-03</lastmod>
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      <image:title>Blog Posts - Three Things Self Employed People Can't Afford To Forget When Mortgage Planning - With the stress and hard work of being Self-employed,</image:title>
      <image:caption>people often forget to plan for the foundations of setting themselves up for their future mortgage. Additionally, Self-employed Canadians are finding it increasingly difficult to qualify for their ideal mortgage as stress tests and financing get tougher. It’s hard to balance out saving taxes with reduced income declarations and the realities of stress tests.  Here are three foundational things to not forget to do before you’re ready to actively find a mortgage that’s best for you.</image:caption>
    </image:image>
  </url>
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      <image:title>Home - One Application. Every Lender. No Credit Checks</image:title>
      <image:caption>We check every mortgage lender with just one application—no credit score checks involved. Avoid multiple credit inquiries and wasted time when shopping on your own. We find the best available rates, including lenders currently offering 0.30% lower than your bank.</image:caption>
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      <image:title>Home - Low Rates, No Hidden Costs</image:title>
      <image:caption>Many banks offer low rates with costly strings attached—higher taxes, forced asset sales, and hidden fees. Our 5-year Mortgage Strategy Plan reveals hidden fine print and identifies mortgage products that help you leverage smarter with fewer fees. Remain flexible, save time and money, and avoid future financial roadblocks.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/d856bbec-1505-4ba2-9a13-56ca7d866f07/pexels-rdne-stock-project-8293750.jpg</image:loc>
      <image:title>Home - Approvals in As Little As 48 Hours</image:title>
      <image:caption>In a low-inventory market, speed is everything—especially when your bank adds last-minute surprises. Don’t miss out on a home that could increase significantly in value next year. Access our network of bank executives and non-bank lenders to get priority approval and top rates—fast.</image:caption>
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      <image:title>Home - Join Our Investors Club</image:title>
      <image:caption>As our client, access a $10,000+ value: cash flow advisors, investing courses, off-market deals, and more. Get first access to Airbnb properties in Canada and abroad—earn income and escape the winter. Attend exclusive Health &amp; Wealth events with investors, entrepreneurs, and value-driven people focused on personal growth, wealth, and well-being.</image:caption>
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      <image:title>Home - Nationally Recognized Mortgage and Cash Flow Expert</image:title>
      <image:caption>Recognized for our unique mortgage experience and mission to holistically “level up” your cash flow and life flow through home ownership. Features include CTV, Canadian Mortgage Professional Magazine, President’s Club, and annual Alaska and Hawaii retreats with Canada’s top influencers.</image:caption>
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      <image:title>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>
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      <image:title>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>
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      <image:title>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>
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      <image:title>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>
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  <url>
    <loc>https://www.levelupmortgages.com/about</loc>
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    <lastmod>2025-09-19</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/e4add634-2349-4b42-8b75-709298524137/PDavidescu.jpg</image:loc>
      <image:title>About - Can Paul Davidescu Help You?</image:title>
      <image:caption>Have you, the entrepreneur or tech executive, been thinking about buying or investing in property, but worried about having enough money in your pocket to live and invest in other things? With our holistic revenue and real estate purchase consulting and exclusive self-employed-focused financing solutions, we make sure that business owners, investors, and newcomers can break through costly false assumptions quickly to access more mortgage financing faster.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/6d05089e-a255-4763-a06e-f3dbe6a6a2b9/Screenshot+2025-03-27+at+1.05.38%E2%80%AFPM.jpg</image:loc>
      <image:title>About - Eliangeli Ortega</image:title>
      <image:caption>Department:  Sales Birthplace: Puerto Cabello, Venezuela Current home(s):  Mexico City, Mexico What gives me flow: Lifting weights with my favorite playlist, visiting the Caribbean Sea, and a new friendship that sparks out of nowhere!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/51a9eda1-9b44-4089-a90f-76b24ea170c2/Eric+Wilson.jpg</image:loc>
      <image:title>About - Eric Wilson</image:title>
      <image:caption>Department: Mortgage Specialist Birthplace: Windsor, ON Current home(s): Kelowna &amp; Squamish What gives me flow: The outdoors and touring people around nature!</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/fc4d3034-afe0-48b2-9637-3685600b4a4c/Screenshot+2025-04-12+at+5.42.30%E2%80%AFPM.png</image:loc>
      <image:title>About - Give-First Relationships Unlock New Powers</image:title>
      <image:caption>How can you do something for a teammate or client before you ask them for something? To give first means you have planned to give by being acutely aware of their goals. Projects and stressors. Make others feel like you understand them, and are vested in their growth and joy.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/4c2fed77-b7da-4361-a57c-5939e7902147/Screenshot+2025-04-12+at+5.49.46%E2%80%AFPM.png</image:loc>
      <image:title>About - Swift Communication Teleports Us To New Realms</image:title>
      <image:caption>The art of communication is the empathetic key to trust, creativity, and needless stress. Obsessing around communication elevates our team and customer experience to new realms.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/3aea9800-1e2f-4a68-a7d0-e7cbf192c59c/Screenshot+2025-04-12+at+5.50.02%E2%80%AFPM.png</image:loc>
      <image:title>About - Own Your Work And Always Replenish Your Energy</image:title>
      <image:caption>Everyone is an entrepreneur and owns something in our company. Be brave, take ownership of challenges, be confident, and be realistic with what work you can take responsibility for as we thrive in our divide-and-conquer mentality. Most importantly, self-care is essential to ensure you own your work and life sustainably.</image:caption>
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      <image:title>About - It’s Game Over Without Details, Results, &amp; Follow-Through</image:title>
      <image:caption>Details matter. From internal grammar to the gift, our clients get when they move into their new home. You are your word so follow through with it. Results are the undeniable truth to never forget.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/eaf3222b-0644-416f-bd32-d02699a6a297/Screenshot+2025-04-12+at+5.50.58%E2%80%AFPM.png</image:loc>
      <image:title>About - Multiplayer Collaboration To Conquer Your Boss Level</image:title>
      <image:caption>Teamwork is our co-op mode—by combining skills and supporting each other, we overcome challenges no solo player could. Just like in the best games, every team member brings unique strengths to the party. When we sync up, strategies, and back each other up, we unlock levels of success no one can reach alone.</image:caption>
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      <image:title>About - Simple. Focused. Pushing To Discomfort</image:title>
      <image:caption>How well can you keep things simple, stay focused, and push yourself to a new level of discomfort? Do you procrastinate or exhibit perfectionist or spray-and-pray tendencies?</image:caption>
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      <image:title>About - Ben Pakulski</image:title>
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    <loc>https://www.levelupmortgages.com/contact</loc>
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    <lastmod>2025-05-02</lastmod>
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      <image:title>Contact Us</image:title>
      <image:caption>LOCATION: 68 Water St #401, Vancouver, BC V6B 1A4 555 Richmond Street W, Toronto, ON M5V 3B1   OFFICE HOURS: Monday - Friday | 9 AM - 6 PM   CONTACT: 604-809-3188 | paul.davidescu@mortgagepal.ca</image:caption>
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    <lastmod>2024-05-29</lastmod>
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      <image:title>Blog - Expert Tips for First-Time Home Buyers Looking for a Smooth Mortgage Process</image:title>
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    <loc>https://www.levelupmortgages.com/mortgage-faq</loc>
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      <image:title>Mortgage FAQ</image:title>
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      <image:title>Mortgage FAQ - Want to find out more about mortgages?</image:title>
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      <image:title>Mortgage FAQ</image:title>
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    <loc>https://www.levelupmortgages.com/joinlevelupmortgages</loc>
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    <lastmod>2025-03-27</lastmod>
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      <image:title>Join Our Team</image:title>
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      <image:title>Join Our Team - 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>
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      <image:title>Join Our Team - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/d0d46970-c46c-4a88-a761-727ce998ab58/Untitled+design+%284%29.png</image:loc>
      <image:title>Join Our Team - 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>
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  <url>
    <loc>https://www.levelupmortgages.com/fthb</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/2bee73f0-a8a3-4e82-a990-88cf5a2058e6/Screenshot+2025-04-01+at+3.38.02%E2%80%AFPM.png</image:loc>
      <image:title>First Time Home Buyer - Incentives</image:title>
      <image:caption>Tax credits, grants, and rebates available exclusively for first-time buyers. Buying your first home comes with a range of financial benefits designed to ease your entry into the market. From the First-Time Home Buyer Tax Credit (FTHB) to GST/HST rebates and land transfer tax exemptions, there are numerous incentives to reduce your upfront and long-term costs. Some provinces and municipalities even offer down payment assistance programs, making homeownership more accessible than ever. These programs are often stackable, meaning you can combine them for maximum value. ✅ Examples: $10,000 FTHB tax credit &amp; FHSA: Save up to $40,000 tax-free RRSP Home Buyers’ Plan: Withdraw up to $60,000 for your down payment BC Property Transfer Tax exemption for first-time buyers</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/674b4252-3a2e-4b05-9f1b-36314c5d482e/Screenshot+2025-04-01+at+3.29.38%E2%80%AFPM.png</image:loc>
      <image:title>First Time Home Buyer - New Policies</image:title>
      <image:caption>Access to the latest policies favoring first-time homeowners. Recent federal and provincial policy updates have made it easier to buy your first home. In 2025, the First-Time Home Buyer Incentive Program was discontinued due to low uptake, making way for more relevant and accessible options like the First Home Savings Account (FHSA). In provinces like British Columbia, property transfer tax thresholds have been raised, providing relief to more buyers. Additionally, new amortization flexibility for pre-sale buyers and those with low down payments helps reduce monthly mortgage costs.  What's New in 2025: Elimination of the FTHBI (ineffective shared-equity plan) Enhanced FHSA benefits Longer amortization options for insured mortgages Streamlined qualification rules for pre-construction buyers</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/9aefbc16-6de3-4d7e-94bd-aaf028d9b0b2/Screenshot+2025-04-01+at+3.32.37%E2%80%AFPM.png</image:loc>
      <image:title>First Time Home Buyer - Investment Opportunities</image:title>
      <image:caption>Learn how buying your first property can be your first investment step. Purchasing a home isn't just about having a place to live—it’s a powerful step toward building wealth and equity. Real estate often appreciates over time, and by buying early, you start growing your net worth sooner. As a first-time buyer, your home can also double as an investment property in the future, whether through rental income, leveraging equity for another purchase, or resale profits. Some new programs even support first-time investor education, helping you think long-term from day one.  Why It’s Smart: Turn monthly rent into equity Hedge against inflation with real estate appreciation Explore rental or Airbnb potential &amp; Access HELOCs (Home Equity Lines of Credit) as equity builds</image:caption>
    </image:image>
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  <url>
    <loc>https://www.levelupmortgages.com/cmhc-multifamily</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/62334951-dbf2-466a-b6cc-19ade661d005/Screenshot+2025-04-01+at+10.41.21%E2%80%AFPM.png</image:loc>
      <image:title>CMHC Multi-Family - Lower Interest Rates</image:title>
      <image:caption>CMHC-insured loans often qualify for significantly lower interest rates compared to conventional multifamily loans.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/f75605ad-9990-4572-ae8b-0bec3de5af49/Screenshot+2025-04-01+at+10.43.47%E2%80%AFPM.png</image:loc>
      <image:title>CMHC Multi-Family - Higher Leverage (Up to 85% LTV)</image:title>
      <image:caption>Secure up to 85% Loan-to-Value, minimising the equity you need to invest upfront.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/54928e7e-fd81-4d24-915c-2447abc195dd/Screenshot+2025-04-01+at+10.46.21%E2%80%AFPM.png</image:loc>
      <image:title>CMHC Multi-Family - Extended Amortisation (Up to 40 Years)</image:title>
      <image:caption>Benefit from longer amortisation periods to improve cash flow and project feasibility.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/29c0dcff-3dc5-4084-9fd7-bd28d845dabe/Screenshot+2025-04-01+at+10.48.15%E2%80%AFPM.png</image:loc>
      <image:title>CMHC Multi-Family - Increased Lender Confidence</image:title>
      <image:caption>With CMHC insurance backing, lenders offer better terms and higher loan amounts.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/1aeaff69-ab91-4be2-be46-1e9705bd839d/Screenshot+2025-04-01+at+10.48.45%E2%80%AFPM.png</image:loc>
      <image:title>CMHC Multi-Family - Sustainability Incentives</image:title>
      <image:caption>Additional benefits for environmentally friendly and energy-efficient buildings.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/81c813d1-869a-402c-aaa2-e0bf3e061c28/Screenshot+2025-04-01+at+10.48.51%E2%80%AFPM.png</image:loc>
      <image:title>CMHC Multi-Family - Ideal for Long-Term Investors</image:title>
      <image:caption>CMHC helps you build wealth through stable, cash-flowing multifamily investments.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/bd1e96ae-b06f-4b20-a1cd-fe261156d757/Screenshot+2025-04-10+at+2.19.08%E2%80%AFPM.png</image:loc>
      <image:title>CMHC Multi-Family - Insights from the 2024 Multi-Family Conference</image:title>
      <image:caption>The 2024 Multi-Family Conference (MFC) in Toronto brought together leading minds in commercial real estate to discuss trends, strategies, and actionable insights for investors and business minds alike. The three-day conference had a perfect blend of hands-on workshops, and inspiration from the likes of Jordan Belfort (aka the Wolf of Wall street), Shark Tank’s humble 9-figure businessman Robert Herjavec, and celebrity super-connector, JT Foxx. This blog synthesizes my notes to highlight some key learnings from the conference that you can take away and put into action. Whether you're looking to understand how to analyze multi-family deals, build a network of trusted professionals, or navigate the nuances of financing, this document provides the essential knowledge to make your foray into helping bolster the increasingly government-backed supply home supply crisis.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/buy-in-mexico</loc>
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    <priority>0.75</priority>
    <lastmod>2025-05-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/7765aeaa-8758-46bb-a081-6dd88b8c3665/Screenshot+2025-04-10+at+4.10.25%E2%80%AFPM.png</image:loc>
      <image:title>Buy in Mexico - The Do's and Don'ts of Mexican Property Investment</image:title>
      <image:caption>The allure of Mexican real estate has grown significantly, attracting both Canadian and American investors. With its diverse landscapes, affordable properties, and increasing demand, Mexico presents a promising opportunity for those looking to invest. However, navigating this market requires a deep understanding of the legal, financial, and logistical intricacies involved. In a recent discussion, industry expert Brian Menges shared invaluable insights on how to approach investing in Mexico with confidence. Read More→ Aug 15, 2024</image:caption>
    </image:image>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/a395985f-37d3-487e-9323-973fe8e089c3/Screenshot+2025-04-02+at+12.41.54%E2%80%AFAM.png</image:loc>
      <image:title>Self-Employed - The Ultimate Self-Employed Mortgage Guide</image:title>
      <image:caption>Challenges self-employed buyers face. Insider tips to increase mortgage eligibility. Real-world case studies and lender-approved strategies.</image:caption>
    </image:image>
  </url>
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    <lastmod>2025-05-06</lastmod>
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    <loc>https://www.levelupmortgages.com/alternative-lending</loc>
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    <lastmod>2025-05-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/68b0fbc8-5eec-416a-9028-830d6f11e781/Screenshot+2025-05-01+at+6.38.22%E2%80%AFPM.png</image:loc>
      <image:title>Alternative Lending - Flexible Eligibility</image:title>
      <image:caption>Unlike banks, alternative lenders look at more than just credit scores—like cash flow or business potential. This makes it ideal for freelancers and entrepreneurs.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/b31d198f-cda5-42b3-b0e4-14db8c8753c8/Screenshot+2025-05-01+at+6.43.56%E2%80%AFPM.png</image:loc>
      <image:title>Alternative Lending - ⚡Fast Approval</image:title>
      <image:caption>Applications are processed quickly, often in 24–72 hours. Perfect for emergencies or last-minute growth needs.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/bfcf78a6-9c60-41fa-9965-b3bda08e3561/Screenshot+2025-05-01+at+6.44.59%E2%80%AFPM.png</image:loc>
      <image:title>Alternative Lending - ⚠️ Know the Fine Prim</image:title>
      <image:caption>Watch for hidden fees, early repayment penalties, and unclear terms. Always read the contract thoroughly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/3e83b478-e306-4ffb-aaa1-431ee8b65ee5/Screenshot+2025-05-01+at+6.40.29%E2%80%AFPM.png</image:loc>
      <image:title>Alternative Lending - Higher Interest Rates</image:title>
      <image:caption>Expect to pay more in interest. These loans carry higher risk for the lender, which gets reflected in the cost.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/004bd024-1ab5-408a-91d2-3112e897622b/Screenshot+2025-05-01+at+6.43.25%E2%80%AFPM.png</image:loc>
      <image:title>Alternative Lending - Shorter Terms</image:title>
      <image:caption>Repayment periods are often short—ranging from 6 months to 3 years—requiring discipline and steady cash flow.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/8dc5b895-1d2d-495a-99a9-47a93662ad69/Screenshot+2025-05-01+at+6.46.39%E2%80%AFPM.png</image:loc>
      <image:title>Alternative Lending - Great for Growth</image:title>
      <image:caption>Great for funding expansions, inventory, or opportunities that traditional banks might not support.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/refinancing-renewing</loc>
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    <priority>0.75</priority>
    <lastmod>2025-05-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/3f9c0306-1d1c-466c-aad2-8b054cd16902/undraw_sweet-home_ezw3.png</image:loc>
      <image:title>Refinancing or Renewing - Straight From Our Blog: The Hidden Benefits of a Proper Mortgage Review</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/new-to-canada</loc>
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    <lastmod>2025-05-06</lastmod>
  </url>
  <url>
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    <lastmod>2025-05-06</lastmod>
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      <image:title>Kootenay Home Dreams</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/e90e2372-7949-44bf-8871-cf9c53489faf/Screenshot+2025-04-21+at+10.28.58%E2%80%AFPM.png</image:loc>
      <image:title>Kootenay Home Dreams</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/04b47990-c99c-480e-89d0-aefbc11f0178/Screenshot+2025-04-21+at+10.33.52%E2%80%AFPM.png</image:loc>
      <image:title>Kootenay Home Dreams - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/f3c9b324-da8c-4dd3-85f5-609a0dce52b1/Screenshot+2025-04-21+at+10.52.01%E2%80%AFPM.png</image:loc>
      <image:title>Kootenay Home Dreams - Mortgage with a seasonal Job</image:title>
      <image:caption>Helping a Bike Rental Employee Qualify for a Mortgage in the Kootenays - Watch How we can Help you at any place.</image:caption>
    </image:image>
  </url>
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    <loc>https://www.levelupmortgages.com/income-stability</loc>
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    <lastmod>2025-05-06</lastmod>
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      <image:title>Income Stability with Two Seasonal Jobs - ♟️Strategies</image:title>
      <image:caption>Mortgage Structure Adjustments  Storytelling Focus</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d7e73189122d012b272989c/f31a8044-6c4c-4b1f-8036-294830a4efcf/Screenshot+2025-05-01+at+6.04.45%E2%80%AFPM.png</image:loc>
      <image:title>Income Stability with Two Seasonal Jobs - Proving Income Stability with Two Jobs !!</image:title>
      <image:caption>When lenders assumed it wasn’t sustainable, we proved otherwise and helped our client move closer to homeownership.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/patience-yoka-client-since-3-years</loc>
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    <lastmod>2025-05-06</lastmod>
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      <image:title>Patience Yoka - Client Since Three Years</image:title>
      <image:caption>“With a traditional bank, it would have just been a transaction. With you, it’s a relationship.” “He made me feel like a millionaire — before I even had the millions.” “He doesn't owe me this, but he chooses to show up. Every time.” “It’s been 3–4 years and he still answers the phone, still sends videos, still invites me to real estate events. That’s Leveling Up.”</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.levelupmortgages.com/buy-2-properties-with-5-down-payment</loc>
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    <lastmod>2025-05-06</lastmod>
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      <image:title>Buy Two Properties with 5% Down Payment - How Our Clients Acquired Two Properties in Two Years — Without Needing 20% Down</image:title>
      <image:caption>Using smart strategy, life changes, and understanding lender rules, our clients accelerated their real estate journey — faster and with less upfront capital.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.levelupmortgages.com/podcast</loc>
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      <image:title>Podcast - 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>
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    <loc>https://www.levelupmortgages.com/calculator-hub</loc>
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  <url>
    <loc>https://www.levelupmortgages.com/purchase-calculator</loc>
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  <url>
    <loc>https://www.levelupmortgages.com/closing-costs-calculator</loc>
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  <url>
    <loc>https://www.levelupmortgages.com/land-transfer-calculator</loc>
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  <url>
    <loc>https://www.levelupmortgages.com/marketplace</loc>
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      <image:title>marketplace</image:title>
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    <loc>https://www.levelupmortgages.com/privacy-policy</loc>
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    <lastmod>2025-05-05</lastmod>
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  <url>
    <loc>https://www.levelupmortgages.com/buy-two-properties-with-5-down-payment-copy</loc>
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    <lastmod>2025-05-06</lastmod>
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      <image:title>A Non-Resident Doctor’s Mortgage Journey - Navigating Non-Resident Refinancing: A Doctor’s Cautionary Tale from California</image:title>
      <image:caption>Using smart strategy, life changes, and understanding lender rules, our clients accelerated their real estate journey — faster and with less upfront capital.</image:caption>
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