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<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Homepage -->
  <url>
    <loc>https://nexusmortgage.sg/</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ────────── Core landing & lead-gen ────────── -->

  <!-- Free personalised mortgage report (lead-gen calculator) -->
  <url>
    <loc>https://nexusmortgage.sg/free-report/</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Live bank rates -->
  <url>
    <loc>https://nexusmortgage.sg/mortgage-rates/</loc>
    <lastmod>2026-05-09</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Services overview -->
  <url>
    <loc>https://nexusmortgage.sg/services/</loc>
    <lastmod>2026-04-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Service detail pages -->
  <url>
    <loc>https://nexusmortgage.sg/services/hdb-home-loan/</loc>
    <lastmod>2026-05-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/services/private-property-loan/</loc>
    <lastmod>2026-05-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/services/refinancing/</loc>
    <lastmod>2026-05-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/services/commercial-property-loan/</loc>
    <lastmod>2026-05-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ────────── Calculators & tools ────────── -->

  <!-- Affordability calculator -->
  <url>
    <loc>https://nexusmortgage.sg/affordability/</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Refinance savings calculator -->
  <url>
    <loc>https://nexusmortgage.sg/refinance-calculator/</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Equity / Cash-Out Loan -->
  <url>
    <loc>https://nexusmortgage.sg/equity-loan/</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ────────── Information pages ────────── -->

  <!-- Contact -->
  <url>
    <loc>https://nexusmortgage.sg/contact/</loc>
    <lastmod>2026-04-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- About -->
  <url>
    <loc>https://nexusmortgage.sg/about/</loc>
    <lastmod>2026-04-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ────────── Blog ────────── -->

  <!-- Blog index -->
  <url>
    <loc>https://nexusmortgage.sg/blog/</loc>
    <lastmod>2026-05-09</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog posts (live, sorted by recency) -->
  <url>
    <loc>https://nexusmortgage.sg/blog/ec-mop-2026-changes/</loc>
    <lastmod>2026-05-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/blog/ipa-mortgage-broker-singapore/</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/blog/self-employed-tdsr-singapore/</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/blog/hdb-resale-q1-2026-mortgage/</loc>
    <lastmod>2026-04-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/blog/decoupling-private-property-singapore/</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/blog/home-loan-rates-singapore/</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://nexusmortgage.sg/blog/best-home-loan-first-time-buyer/</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

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

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

  <url>
    <loc>https://nexusmortgage.sg/blog/hdb-vs-bank-loan/</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

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

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

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

</urlset>
