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        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
                            http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!-- Core Homepage -->
  <url>
    <loc>https://www.aloancalculator.co.uk/</loc>
    <lastmod>2025-08-21T12:00:00+00:00</lastmod>
    <priority>1.0</priority>
    <changefreq>weekly</changefreq>
  </url>

  <!-- Calculator Pages -->
  <url>
    <loc>https://www.aloancalculator.co.uk/remortgage-calculator</loc>
    <lastmod>2025-08-21T12:00:00+00:00</lastmod>
    <priority>0.9</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.aloancalculator.co.uk/car-finance-calculator</loc>
    <lastmod>2025-08-21T12:00:00+00:00</lastmod>
    <priority>0.9</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.aloancalculator.co.uk/student-loan-calculator</loc>
    <lastmod>2025-08-21T12:00:00+00:00</lastmod>
    <priority>0.9</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.aloancalculator.co.uk/personal-loan-calculator</loc>
    <lastmod>2025-08-21T12:00:00+00:00</lastmod>
    <priority>0.9</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.aloancalculator.co.uk/equity-release-calculator</loc>
    <lastmod>2025-08-21T12:00:00+00:00</lastmod>
    <priority>0.9</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.aloancalculator.co.uk/car-affordability-calculator</loc>
    <lastmod>2025-08-21T12:00:00+00:00</lastmod>
    <priority>0.8</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.aloancalculator.co.uk/student-loan-refund-calculator</loc>
    <lastmod>2025-08-21T12:00:00+00:00</lastmod>
    <priority>0.8</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.aloancalculator.co.uk/payday-loan-calculator</loc>
    <lastmod>2025-08-21T12:00:00+00:00</lastmod>
    <priority>0.8</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.aloancalculator.co.uk/bridging-loan-calculator</loc>
    <lastmod>2025-08-21T12:00:00+00:00</lastmod>
    <priority>0.8</priority>
    <changefreq>monthly</changefreq>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://www.aloancalculator.co.uk/terms-and-conditions</loc>
    <lastmod>2025-08-21T00:00:00+00:00</lastmod>
    <priority>0.3</priority>
    <changefreq>yearly</changefreq>
  </url>
  <url>
    <loc>https://www.aloancalculator.co.uk/privacy-policy</loc>
    <lastmod>2025-08-21T00:00:00+00:00</lastmod>
    <priority>0.3</priority>
    <changefreq>yearly</changefreq>
  </url>
  <url>
    <loc>https://www.aloancalculator.co.uk/cookie-policy</loc>
    <lastmod>2025-08-21T00:00:00+00:00</lastmod>
    <priority>0.3</priority>
    <changefreq>yearly</changefreq>
  </url>

</urlset>
