<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core Pages -->
  <url>
    <loc>https://www.equifin.com.au/</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.equifin.com.au/first-home</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.equifin.com.au/refinancer</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.equifin.com.au/business-financing</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Tools -->
  <url>
    <loc>https://www.equifin.com.au/smart-mortgage-calculator</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.equifin.com.au/first-home-buyer-planner</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.equifin.com.au/refinance-simulation</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blogs (served from /resources) -->
  <url>
    <loc>https://www.equifin.com.au/resources</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.equifin.com.au/resources/lender-watchlist</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.equifin.com.au/resources/glossary-of-australian-property-and-mortgage-jargon</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.equifin.com.au/resources/2025-property-market-wrap</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Company -->
  <url>
    <loc>https://www.equifin.com.au/about</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.equifin.com.au/contact</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.equifin.com.au/schedule-appointment</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://www.equifin.com.au/complaints</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://www.equifin.com.au/privacy-policy</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.equifin.com.au/terms-of-service</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
