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

  <!-- Homepage — highest priority -->
  <url>
    <loc>https://www.ab-mortgage.ca/</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Calculators -->
  <url>
    <loc>https://www.ab-mortgage.ca/affordability-calculator</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.ab-mortgage.ca/mortgage-calculator</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.ab-mortgage.ca/refinance-calculator</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.ab-mortgage.ca/amortization-calculator</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- PDF Guide -->
  <url>
    <loc>https://www.ab-mortgage.ca/home-buyers-guide-en.pdf</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://www.ab-mortgage.ca/privacy-policy</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- AI discoverability -->
  <url>
    <loc>https://www.ab-mortgage.ca/llms.txt</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

</urlset>
