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

  <!-- Homepage -->
  <url>
    <loc>https://nexusmortgage.sg/</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Blog index -->
  <url>
    <loc>https://nexusmortgage.sg/blog/</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog posts (live only) -->
  <url>
    <loc>https://nexusmortgage.sg/blog/blog-hdb-vs-bank-loan.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/blog/blog-mas-stress-test-2026.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/blog/blog-first-time-hdb-buyer-guide.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/blog/blog-tdsr-msr-explained.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/blog/blog-cpf-oa-hdb-guide.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/blog/blog-when-to-refinance-singapore.html</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/blog/blog-home-loan-rates-singapore.html</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

</urlset>
