<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://cathymacdonald.com/about-me</loc>
    
    <lastmod>2026-08-19T16:14:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/get-in-touch</loc>
    
    <lastmod>2026-08-20T15:13:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-home-prices-softer-than-expected</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-home-prices-softer-than-expected2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-housing-market-could-prove-more-resilient</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-housing-market-could-prove-more-resilient2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-building-picks-up-slightly</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-building-picks-up-slightly2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-homes-builders-get-blogging</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-homes-builders-get-blogging2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-cite-rising-cost-of-living-top-concern</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-cite-rising-cost-of-living-top-concern</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/economy-gathering-momentum</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ecenomy-gathering-momentum</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tighter-mortgage-rules-may-save-us-from-ourselves</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tighter-mortgage-rules-may-save-us-from-ourselves2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/jim-flaherty-confident-books-balanced-by-2015</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/jim-flaherty-confident-books-balanced-by-20152</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-real-estate-broker-named-worlds-best</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-real-estate-broker-named-worlds-best2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/major-cities-enjoy-economic-rebound</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/major-cities-enjoy-economic-rebound2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/money</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/money2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/5-secrets-of-successful-savers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/5-secrets-of-succcessful-savers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-sales-slid-in-2010-but-prices-firm</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-sales-slid-in-2010-but-prices-still-firm</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/hands-off-my-heloc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/whats-affecting-your-credit-score</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/whats-affecting-your-credit-score2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-home-market-rules</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-home-market-rules2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-harper-government-takes-prudent-action</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-harper-government-takes-prudent-action2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/before-buying-consider-your-life-in-the-future</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/before-buying-consider-your-life-in-the-future2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-buyers-are-admirably-wise-survey-suggests</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-starts-slip-but-2010-strong-for-ottawa</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/economic-outlook</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/money-building-permits-stumble</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/saving-for-retirement</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-prices-continue-to-drop</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/dont-let-sunk-costs-weigh-you-down</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/she-wants-to-save-he-wants-to-pay-down-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/a-tale-of-two-housing-markets</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/remedies-for-holiday-debt-hangovers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/difficult-choices-splurge-or-save</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-housing-market-landed-safely</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-reduce-holiday-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/november-resale-home-activity-up-nearly-5</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/banks-wont-lead-way-on-fixing-debt-problem</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-sales-rise-in-november</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-canada-avoided-housing-bubble-and-crash</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-banks-discuss-measures</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/carny-warns-about-consumer-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ontarios-surge-drives-housing-starts-higher</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-market-to-see-greater-stability</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-overnight-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fixed-rates-have-slight-edge-says-economist</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-market-rebounds</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-mortgage-debt-rises-to-over-1-trillion</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-economic-has-slowed-sharply-says-oecd</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawas-housing-portrait</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-sub-markets-analysis</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-market-forcasting</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/city-of-ottawa-presentation</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canada-housing-market-conditions</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/severing-your-lot-get-advice</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/montreal-housing-prices-surge</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/nine-steps-to-a-better-credit-score</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/travel-agents-and-stockbrokers-are-nearly-obsolete</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/severing-your-lot-get-advice-chop-chop</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-starts-fall-to-lowest-level-in-a-year</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/a-model-of-stability</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/weekly-market-insight-nov-12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-housing-prices-unchanged-in-september</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-starts-stall-in-october</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/jobs-returning-but-slow-pace-still-a-concern</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/jobs-returning-but-slow-pace-still-a-concern2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/weekly-market-update-nov-5-2010</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/a-starting-point</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-debt-tops-1-trillion</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-biggest-money-mistakes-couples-make</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-biggest-money-mistakes-couples-make2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-housing-sales-drop-in-october</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/condominium-market-in-canada-heating-up-remax</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/extra-extra-read-all-about-it</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/extra-extra-read-all-about-it2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-buyers-wrongly-believe-hst-applies-to-resales</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/weekly-market-insight-october-22-2010</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/homebuyer-tradeoffs-what-will-you-sacrifice</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-vs-budget-how-much-house-can-you-afford</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-vs-budget-how-much-house-can-you-afford2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/shift-in-mortgage-landscape-to-benefit-canadians</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/shift-in-mortgage-landscape-to-benefit-canadians2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/deal-will-open-up-mls-listings-to-private-sales</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/b-of-c-says-third-quarter-growth-was-worst-since</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/b-of-c-says-third-quarter-growth-was-worst-since2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/your-options-in-the-brave-new-real-estate-world</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/your-options-in-the-brave-new-real-estate-world2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canada-warned-to-take-steps-to-secure-economy</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canada-warned-to-take-steps-to-secure-economy2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/b-of-c-maintains-overnight-rate-target-at-1</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/b-of-c-maintains-overnight-rate-target-at-1-per-ce</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/weekly-market-insight-october-15-2010</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/there-has-been-a-bottoming-out</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/there-has-been-a-bottoming-out2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cndns-get-creative-as-loonie-flirts-with-parity</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cndns-get-creative-as-loonie-flirts-with-parity2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-economy-appears-to-be-on-the-mend</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-economy-appears-to-be-on-the-mend2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/marketwatch</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/marketwatch2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bankruptcies-down-dramatically-from-last-year</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bankruptcies-down-dramatically-from-last-year2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/weekly-market-insight-october-8-2010</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-are-the-lucky-ones</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-are-the-lucky-ones2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/currency-war-could-be-latest-threat-to-global</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/currency-war-could-be-latest-threat-to-global2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/caamp-stats</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rule-changes-give-people-more-options</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-ponders-further-tightening-of-mortgage-rule</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/flaherty-wont-tighten-mortgage-rules-yet</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/weekly-market-insight-september-24-2010</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/things-you-think-add-value-to-your-home-but-dont</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/real-estate-fees-not-headed-for-basement</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-economy-goes-into-reverse-in-july</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/weekly-market-insight-october-1-2010</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-foresees-short-term-relief-on-home-costs</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bubble-or-notmarkets-in-for-rude-awakening</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/recovery-declining-dramatically-economist</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/inflations-downward-slide-could-force-pause-in</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fewer-canadians-filing-for-bankruptcy</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/inflation-rate-dips-to-17</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/is-your-property-ready-for-winter</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-sales-grow-in-august-prices-remain-flat</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/facing-the-surprise-costs-of-home-ownership</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tentative-evidence-allays-fears-of-second-recessio</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/jobless-rate-jumps-in-capital-region</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-trade-deficit-hits-new-high</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-hikes-rates-sees-slower-recovery</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-bubble-or-no-bubble</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/boc-rate-to-hold-at-1-well-into-2011-analyst</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/boc-increases-overnight-rate-target-to1-per-cent</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-expected-to-hike-then-pause-on-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/favourable-us-data-suggests-cdn-rate-increase</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-lower-your-property-taxes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/10-easy-ways-to-build-a-credit-history</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/no-housing-bust-here</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/making-sense-of-real-estate-lingo</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/variable-rate-may-no-longer-win2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-prices-in-hottest-cdn-markets-a-concern</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/clipboard-kings</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/north-american-international-economic-highlights</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-prices-continue-to-rise</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-prices-continue-to-rise2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/us-needs-to-reset-mortgage-mess</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/boc-butts-heads-with-bond-market</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-sink-30-in-july</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-banks-arent-paying-higher-interest-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-house-prices-rise-slightly-in-june</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-market-keeps-cooling</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/loonies-rise-makes-sense-flaherty-says</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/5-expenses-that-will-consume-50-of-your-earnings</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-starts-fall-in-july</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bumps-ahead-for-deficit-cutting-td</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/crea-cuts-home-sales-forecast</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-banks-leap-at-us-rivals-weakness</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/house-prices-42-over-peakhow-cities-are-fairing</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/retirement-not-an-option-for-many</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/variable-rate-may-no-longer-win</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/summer-home-maintenance</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/pay-off-your-debt-dont-just-pay-it-down</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/10-worst-first-time-homebuyer-mistakes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-back-away-from-borrowing</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-increases-overnight-rate-target</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-to-expect-from-bank-of-canada</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/keep-the-condo-pay-down-the-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-pick-a-home-renovator</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-data-bank-rate-hike</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/week-ahead-rate-hike-in-the-cards</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/week-ahead-rate-hike-in-the-cards2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-score-better-than-americans-on-credit</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-sales-continue-to-drop</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/upbeat-survey-may-pave-way-for-interest-rate-hike</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/recession-battered-canadians-growing-conservative</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/june-drop-in-housing-starts</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/high-marks-for-canadas-real-estate-market</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-new-face-of-debt2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-economy-adds-93200-jobs-in-june</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canada-new-housing-prices-rise</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/drop-in-home-sales-may-be-sign-of-peak</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/loonie-could-fall-to-us87-top-forecaster-predict</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/house-prices-and-sales-to-decline</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/building-permits-fall-in-may</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-time-homebuyers-want-new-detached-homes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rental-suite-can-help-you-pay-off-that-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-ownership-headaches-and-tax-breaks</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ten-home-repairs-that-will-save-you-money</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/consumers-edgy-in-canada-us</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/household-credit-growth-slow-cibc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-the-impact-of-the-hst-will-differ-between</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/it-may-burst-your-bubble</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/insurance-tips-for-home-buyers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/whats-taxable-under-the-hst-and-whats-not2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/five-things-to-ask-before-you-sign-a-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/household-net-worth-recovers-from-recession</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-inflation-going-nowhere-fast</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-canadians-are-growing-richer</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/resales-slow-dramatically-in-may-after-a-hot-april</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-financial-hub-preparing-for-g20-lockdown</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-sales-sputter-in-may</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/maybe-your-mortgage-needs-a-check-up</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-new-face-of-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-banking-system-healthiest-in-the-world</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canada-modestly-impacted-by-european-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/managing-debt-while-rates-grow</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/wells-fargo-closes-outlets-in-canada</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/europes-debt-could-undermine-economic-recovery</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rbc-predicts-rapid-economic-growth</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/hang-in-there</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/forget-market-timing</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/is-it-too-early-to-be-moving-away-from-stimulus-to</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/wal-mart-new-kid-on-bank-block</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/pension-shortfall-hits-middle-class</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/renovations-that-sell</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/house-prices-have-peaked-for-the-year</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/carneys-big-call</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canada-wont-fall-victim-to-foreclosure-wave</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ontarios-hot-housing-market</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/homes-overpriced-bank-report-says</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/banks-reduce-some-mortgage-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-rates-is-it-time-to-gird-our-loins</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-housing-listings-soar</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fixed-or-float</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-home-prices-edge-up-in-march</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/making-a-house-a-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-starts-edge-higher-in-april</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/whats-taxable-under-the-hst-and-whats-not</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-the-ontario-hst-will-impact-you-in-2010</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-buyers-not-worried-about-higher-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/resale-home-listings-prices-on-the-rise</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/most-canadians-willing-to-pay-more-for-green-house</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-dollar-will-stay-strong</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/impact-of-new-mortgage-rules-limited</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/homes-for-sale-hit-record-in-march-crea</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-score-the-best-mortgage-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/house-prices-jump-103-in-q1</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/varriable-rate-mortgages-almost-always-win</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/five-year-yields-hit-high</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rbc-td-hike-mortgage-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/days-of-rock-bottom-interest-rates-are-numbered</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/loonie-chases-parity</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/best-of-both-worlds-in-ottawa</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/frantic-housing-market-ready-for-calm</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cost-of-owning-a-home-up-slightly-in-late-2009-rb</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/real-estate-market-blows-off-some-steam</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/loonie-to-fly-above-parity-by-summer-cibc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canada-home-prices-rise-04-in-january</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-property-market-momentum-continues</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-housing-starts-surge-in-february</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/market-update-march-2-2010</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/economy-hotter-than-estimated-bank-of-canada-says</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-building-to-pick-up-speed-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/interest-rate-remains-unchanged</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-fourth-quarter-economic-growth-is-fastest</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-economy-expands-5-in-q4</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/countdown-begins-to-interest-rate-hikes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-trouble-with-economic-forecasting</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/flaherty-tightens-mortgage-rules</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/government-of-canada-takes-action-to-strengthen-ho</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/flaherty-to-toughen-mortgage-rules</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-mortgage-rules-introduced-to-lessen-mortgage-c</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-rebound-in-canada-spurs-talk-of-a-new-bubb</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/crea-forecasts-record-home-market-this-year</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/banks-urge-ottawa-to-tighten-mortgage-rules</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/flaherty-urged-to-keep-spending-tabs-open</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/finally-canadas-financial-system-gets-respect</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/</loc>
    
    <lastmod>2026-10-27T13:59:34+00:00</lastmod>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://cathymacdonald.com/our-brokers</loc>
    
    <lastmod>2026-08-13T13:33:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/mortgage-rates</loc>
    
    <lastmod>2026-08-13T13:41:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/calculators</loc>
    
    <lastmod>2026-08-19T11:52:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/contact</loc>
    
    <lastmod>2026-10-23T10:04:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre</loc>
    
    <lastmod>2026-08-12T19:51:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/first-time-buyer-guide</loc>
    
    <lastmod>2026-08-19T14:23:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/renewal-checklist</loc>
    
    <lastmod>2026-08-19T14:23:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/refinancing-explained</loc>
    
    <lastmod>2026-08-19T14:23:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news</loc>
    
    <lastmod>2026-09-15T09:56:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/privacy</loc>
    
    <lastmod>2026-08-12T19:51:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/mortgage-maturity</loc>
    
    <lastmod>2026-08-20T15:18:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/debt-consolidation</loc>
    
    <lastmod>2026-08-20T15:18:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/apply</loc>
    
    <lastmod>2026-08-20T15:19:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/bad-credit-and-bankruptcy</loc>
    
    <lastmod>2026-09-10T09:37:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/understanding-your-credit-score</loc>
    
    <lastmod>2026-09-10T09:36:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/mortgage-types-explained</loc>
    
    <lastmod>2026-09-10T09:38:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/mortgage-terms-glossary</loc>
    
    <lastmod>2026-09-10T09:38:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/protecting-yourself-from-mortgage-fraud</loc>
    
    <lastmod>2026-09-10T09:36:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/land-transfer-tax-and-first-time-buyer-refund</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/mortgage-default-insurance-cmhc</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/switching-lenders-at-renewal</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/prepayment-privileges-and-penalties</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/purchase-plus-improvements</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/rrsp-home-buyers-plan</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/standard-vs-collateral-charges</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/steps-to-buying-a-home</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/what-youll-need-for-your-mortgage-application</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/which-professionals-youll-need</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/refinance-vs-heloc-vs-second-mortgage</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/closing-costs-and-up-front-costs</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/info-centre/reverse-mortgages-explained</loc>
    
    <lastmod>2026-09-09T16:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/home-buyers-guide</loc>
    
    <lastmod>2026-09-25T09:42:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-announcement</loc>
    
    <lastmod>2026-10-28T10:22:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/economists-say-they-continue-to-be-surprised-by-canadas-housing-market</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/economists-say-they-continue-to-be-surprised-by-canadas-housing-market2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-renovation-spending-up-to-a-record-63-billion</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-renovation-spending-up-to-a-record-63-billion2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-june-28</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-ontario-landlords-can-avoid-bad-tenants</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-june-24</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/2014-cmhc-mortgage-consumer-survey</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-june-21</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/growth-of-mortgage-debt-slowed-in-q1</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/growth-of-mortgage-debt-slowed-in-q12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bad-weather-cant-put-a-dent-in-canadian-housing-sales</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-june-14</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-protect-yourself-against-rising-energy-prices</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-protect-yourself-against-rising-energy-prices2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/is-your-house-a-home-or-a-nest-egg</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-homebuilding-beats-expectations-in-may</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cottage-sales-lift-after-chilly-start-to-the-season</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-prepare-your-home-for-a-quick-profitable-summer-sale</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/caamps-spring-report-20142</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/caamps-spring-report-2014</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-agrees-to-make-more-information-public</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-may-27</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/disclose-problems-if-youre-selling-a-house</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/five-ways-to-make-your-deck-last-longer</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/condo-culture-youve-got-mail-or-will-if-a-condo-meeting-is-planned</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-major-landscaping-changes-could-save-you-tax</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-heat-up-in-april</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/buying-or-renovating-a-home-look-for-cash-back-from-the-taxman</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/your-2014-financial-spring-cleaning-checklist</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/homebuilding-rebounds-quicker-than-expected</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-use-your-tax-refund-a-quick-guide-for-busy-people</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/small-kitchen-makeovers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/more-changes-in-store-for-cmhc-mortgage-default-insurance</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/moving-for-work-think-about-these-factors-first</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/financial-literacy-plan-gains-its-first-leader</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/real-estate-outlook-lifts-consumer-confidence</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/do-you-need-balance-protection-insurance-for-your-credit-card</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/spring-cleaning</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-time-home-buyers-feeling-more-confident-poll2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-time-home-buyers-feeling-more-confident-poll</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-value-of-homeownership-is-still-worth-the-wait</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/real-estate-market-turning-the-corner-as-canadian-home-sellers-come-out-of-hibernation</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/secrets-to-mortgage-savings-part-2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/thank-you-ottawa3</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/secrets-to-mortgage-savings-part-1</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute20</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/effectively-planning-to-buy-a-home-on-your-own2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/effectively-planning-to-buy-a-home-on-your-own</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/when-it-comes-to-home-buying-is-smaller-is-better</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/realtors-say-canadas-housing-market-can-still-grow</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-rates-fixed-or-variable</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ten-things-you-may-not-know-about-tfsas</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-avoid-a-home-renovation-nightmare</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-are-the-five-components-of-a-balanced-budget</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-housing-starts-pick-up-in-february</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/more-canadians-filing-taxes-electronically-but-paper-not-obsolete</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/gauging-home-affordability</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-holds-interest-rate-steady-at-1-again</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/keep-your-home-flood-free-this-spring</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-to-raise-mortgage-insurance-premiums</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/making-a-case-for-the-home-buyers-plan2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-most-costly-tfsa-blunder-many-canadians-make</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/making-a-case-for-the-home-buyers-plan</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-february-22</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/five-ways-to-limit-your-risk-of-credit-or-debit-card-fraud</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/gen-y-is-redefining-home-ownership</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-think-their-homes-will-fund-their-retirement</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-inspector-qualifications-in-ontario</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-sales-fall-in-january-but-up-from-last-year</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/federal-budget-2014-ottawa-plans-boost-for-small-banks</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-february-11</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tfsa-or-rrsp-heres-how-to-decide</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/smart-debt-vs-household-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-housing-starts-and-prices-to-stabilize-in-2014</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/vancouver-sellers-are-reminded-to-price-homes-right</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/pricing-your-home-properly</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/six-things-to-consider-for-rrsp-season</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-february-1</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/planning-your-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/luxury-home-sales-on-the-rise</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/meaningful-change-coming-to-home-inspection-industry</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bcresidents-plan-to-save-the-most-this-year-followed-by-albertans</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-plan-to-save-more-this-year-than-in-2013-poll-finds</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-holds-rate-at-1</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/should-you-contriute-to-an-rrsp-or-pay-off-the-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/talk-of-rising-interest-rates-no-reason-for-homeowners-to-panic</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/getting-your-rrsp-tax-refund-in-advance</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-get-out-of-debt-asap</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-january-14</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-you-need-to-know-before-and-after-buying-a-condo</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-you-need-to-know-before-and-after-buying-a-condo2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/three-common-rrsp-mistakes-youll-want-to-avoid</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/10-accessories-to-better-organize-your-closet</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/protecting-your-home-against-the-bitter-cold</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-chief-poloz-says-rates-on-hold-until-economic-data-improves</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/toronto-home-prices-up-almost-9-from-last-year</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-4</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/paying-down-debt-top-priority-for-canadians-in-2014</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/former-goldman-sachs-investment-banker-appointed-to-head-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/more-canadians-have-tfsas-but-many-hazy-on-details</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show39</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/women-dominating-the-condo-market</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/start-the-year-off-on-the-right-fiscal-foot</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-housing-market-stronger-than-expected-this-year-and-will-be-stronger-in-2014-crea</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/should-you-help-buy-your-kids-a-house</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-december-9</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/these-nine-year-end-tax-tips-could-save-you-money</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-consumer-confidence-nears-year-high</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-december-7</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-prepaid-credit-card-rules-coming</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-keeps-interest-rate-at-1</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-to-introduce-risk-fee-on-cmhc-insurance</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-november-30</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/selling-your-home-in-the-winter-months</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-top-job-satisfaction-survey</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/this-holiday-dont-put-anything-you-cant-afford-on-your-credit-card</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/thirty-year-mortgages-remain-a-focus-for-osfi</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-november-23</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-truth-about-your-credit-score</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/boc-chief-stephen-poloz-says-canadian-housing-market-not-a-bubble-predicts-soft-landing</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-november-19</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/want-the-kids-to-inherit-the-house-avoid-these-common-tax-mistakes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-november-16</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-to-consider-when-buying-a-resale-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/winterize-your-home-from-the-roof-to-the-basement</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/dealing-with-common-financial-fears</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-to-look-for-in-your-home-inspection2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-november-5</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-mortgage-broker-updates-its-mobile-mortgage-calculator-app</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-to-look-for-in-your-home-inspection</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-mortgage-broker-updates-its-mobile-mortgage-calculator-app2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/dont-get-burned-by-killer-condo-fees</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canada-wont-interfere-in-housing-market-for-now-flaherty</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/nearly-a-quarter-of-canadians-are-debt-free</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-26</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-october-22</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-monetary-policy-report</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fall-maintenance-to-ensure-a-safe-and-comfy-winter</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-19</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-ultimate-mortgage-checklist</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-face-of-canadas-real-estate-market-is-changing</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-to-ask-when-buying-from-a-builder</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-starts-beat-forecasts-as-market-continues-to-surprise</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-october-8</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/city-dwelling-versus-suburbia-which-is-cheaper</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-the-self-employed-can-get-organized</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/organizational-tips-for-the-self-employed</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fixed-versus-variable-mortgage-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/getting-your-home-sale-or-purchase-right</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-september-28</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-wealthy-barbers-advice-to-home-buyers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/thank-you-for-supporting-matthew-the-brave</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-4th-annual-gut-together-benefit</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-september-24</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-september-21</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/experts-weigh-in-on-t4-vs-stated-income</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/crea-canadas-home-sales-to-beat-expectations</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-staging-tips-to-sell-your-home-faster</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-september-14th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-smith-manoeuvre-a-canadian-mortgage-tax-deductible-plan</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fewer-canadians-living-paycheque-to-paycheque</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fall-home-maintenance-checklist</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/real-estate-and-mortgage-show-september-7</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-stands-pat-on-key-interest-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-landlords-can-steer-clear-of-bad-tenants</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-september-3</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/blood-drive-for-matthew-the-brave</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-getting-the-best-deal-on-your-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/simplify-and-consolidate-to-manage-finances</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mbo-app-now-available-on-all-mobile-platforms</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/getting-ready-to-turn-a-new-financial-leaf</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-reduce-mortgage-penalties</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/strong-home-sales-in-vancouver-toronto-suggest-market-stabilizing</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-august-13</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-housing-starts-relatively-stable-in-july-cmhc-reports</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawas-latest-housing-crackdown-has-some-wondering-why-now</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/six-renovations-that-dont-add-value-to-your-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-cools-mortgage-market-with-new-cap-for-banks</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgages-for-those-without-a-regular-salary</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-top-5-markets-for-vacation-properties</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-turn-your-property-into-a-vacation-rental</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-july-23</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tips-for-potential-real-estate-investors</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-ensure-your-home-sale-goes-smoothly</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/boc-keeps-rate-and-expectations-unchanged</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-inspection-should-seller-disclose-the-flaws</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/david-rosenberg-alls-fine-on-the-canadian-homefront</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/a-lesson-in-savings-for-a-tfsa</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/water-damage-are-you-covered</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-july-9</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-housing-market-defies-skeptics-as-starts-top-expectations</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-time-home-buyers-undeterred-by-mortgage-rules-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-qualifies-as-a-good-credit-score2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-are-saving-more-and-borrowing-less</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-buying-through-the-years</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-june-25</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mbo-royal-lepage-and-candlelighters-thank-you</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-using-their-tax-refunds-to-tackle-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-rate-hikes-shouldnt-torpedo-the-housing-market</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/2013-housing-sales-off-to-better-start-than-expected</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-qualifies-as-a-good-credit-score</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-june-15</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-case-for-locking-in-your-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/thank-you-for-your-support</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-june-11</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-more-unbelievable-job-numbers-seem-the-more-unbelievable-they-actually-are</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mbo-rides-the-big-bike-in-support-of-the-heart-stroke-foundation</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-get-a-copy-of-your-credit-report-for-free</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-june-8</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/evidence-mounts-of-soft-landing-for-canadas-housing-market</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fight-city-hall-on-property-taxesand-win</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-debt-drops-dramatically-in-first-quarter</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-june-1</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fixed-or-variable-whatll-it-be</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/when-it-comes-to-location-what-do-home-buyers-value-most</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-may-28</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-best-off-in-housing-third-overall-in-a-new-quality-of-life-survey</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-are-paying-off-mortgages-quickly-so-is-a-crackdown-really-necessary</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/one-third-of-canadian-households-living-paycheque-to-paycheque</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-challenges-for-the-self-employed</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-may-18</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/30-year-amortizations-in-the-spotlight-again</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-to-do-with-1000-now</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-may-14</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/when-it-comes-to-home-buying-what-should-your-real-estate-lawyer-do</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-may-11</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/getting-away-from-it-all-the-cottage-life</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/do-you-have-what-it-takes-to-be-a-landlord</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-language-of-selling-houses</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/loyalty-doesnt-pay-when-it-comes-to-mortgage-renewals</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-may-4</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/updating-your-home-means-updating-your-insurance-policy</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-april-30</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/sell-your-home-faster</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-april-27</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/spring-home-maintenance-checklist</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/equifax-reports-lower-rates-of-consumer-debt-delinquency</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/get-ready-condo-flippers-canada-revenue-agency-is-hunting-you</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/exploring-down-payment-options</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-purchase-plus-improvements-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-april-16</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-holds-rate-steady</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/common-law-income-tax-filing</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-does-canadas-average-home-buyer-look-like</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/dont-like-paying-bank-fees-you-have-options</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/help-chris-krush-cancer</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/when-do-you-expect-to-be-mortgage-free</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-april-6</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-score-the-best-deal-on-your-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/things-to-consider-when-paying-to-get-your-taxes-done</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-april-2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/consider-the-risks-and-benefits-of-your-credit-cards</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-march-30</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/spring-green-ing</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/response-to-mortgage-rate-controversy</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/making-a-mortgage-plan</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/whats-app-mortgage-brokers-ottawa</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-march-23</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-best-places-to-live-2013</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tories-crack-down-on-cmhc-with-curbs-on-portfolio-insurance</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bet-you-didnt-know-google-could-do-that</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-march-16</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/have-tougher-mortgage-rules-created-stronger-borrowers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-march-19</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-brokers-ottawa-shoot-out</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/thank-you-ottawa2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/your-mortgage-terms-for-consideration</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-shopping-has-never-been-easier</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-shopping-has-never-been-easier-so-whats-stopping-you</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-march-9</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/brokers-pursue-mortgage-break-for-first-time-home-buyers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-to-keep-interest-rates-low-longer</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-march-5</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-march-2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-firm-on-not-disclosing-foreclosure-information</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-avoid-costly-mistakes-when-filing-your-income-tax-return</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/real-estate-home-inspection-buyer-beware</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-your-home-can-save-you-at-tax-time</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/a-quick-guide-to-using-your-rrsp-to-buy-a-house</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-home-sales-rise-in-january-easing-correction-fears</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-february-16</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/a-better-way-to-gauge-housing-affordability</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-february-12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-return-of-the-first-time-buyer</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-february-9</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/should-you-sell-your-house-before-you-buy-a-new-one</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-february-2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/pay-your-mortgage-and-save-too-heres-a-formula-to-build-your-wealth</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute-january-29</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-26</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/hunt-for-ottawas-cfl-team-name-appears-to-be-down-to-five</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-paying-down-debt-faster-equifax-says</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/secrets-to-finding-a-good-handyman-for-your-reno</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/repeat-buyers-to-lift-housing-market-over-next-2-years-remax</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-19</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/choosing-between-rrsps-and-tfsas</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-more-home-sellers-are-listing-in-january</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/looking-to-invest-pay-down-your-mortgage-instead</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-you-should-re-key-the-locks-in-your-new-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show38</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-secret-to-financial-success-in-2013-baby-steps</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute19</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show37</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/pay-your-high-interest-debt-first</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute18</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/interest-rate-warnings-drove-homeowners-to-lock-in-mortgages</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/want-to-buy-a-home-but-have-bad-credit-think-long-term</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/november-2012-ottawa-housing-starts</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/three-tips-for-first-time-home-buyers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/as-tougher-mortgage-rules-slow-housing-market-critics-call-for-a-reversal</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show36</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-canadian-economy-adds-a-whopping-59k-jobs-in-november</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/will-a-new-bank-of-canada-governor-shake-up-interest-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute17</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show35</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-a-lucky-poker-hand-turned-into-a-donation-to-the-ottawa-hospital</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute16</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-costs-of-buying-and-selling-a-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/vast-majority-now-favour-fixed-rate-mortgages</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show34</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/8-ways-to-manage-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/pay-down-the-mortgage-or-invest</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-time-homeowners-expected-to-drive-demand-for-lower-priced-condos</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show33</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/become-mortgage-free-faster</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute15</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/you-and-your-credit-score</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show32</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-canadas-housing-market-outlook</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-ontarios-housing-market-outlook</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/controlling-your-credit-rating</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-you-might-be-able-to-trim-your-property-tax-bill</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/gas-heating-bills-to-stay-low-this-winter</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute14</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show31</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canada-has-done-enough-to-cool-housing-market-flaherty</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mark-carney-to-give-ample-notice-of-any-interest-rate-hikes2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-canada-is-not-headed-for-a-us-style-crash</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mark-carney-to-give-ample-notice-of-any-interest-rate-hikes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show30</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute13</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-in-september</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/eviction-tip-sheet</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show29</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-resale-home-market-slows-but-still-steady</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-view-an-open-house-like-a-real-estate-pro</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/winterizing-your-house-from-top-to-bottom</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-brokers-city-launches-a-mobile-mortgage-app</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show28</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgages-for-the-self-employed2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/impulse-buying-is-costing-canadians</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgages-for-the-self-employed</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show27</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/single-home-buyers-face-different-challenges-than-couples2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-issues-toolkit-to-help-canadians-get-out-of-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/single-home-buyers-face-different-challenges-than-couples</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show26</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-market-showing-signs-of-cooling</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/crea-releases-august-resale-housing-statistics</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/understanding-your-mortgage-options</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/understanding-your-mortgage-options2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rent-to-own-a-home-beware-the-risks</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show25</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ease-those-empty-nest-blues-rent-out-part-of-your-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-home-energy-makeover</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute11</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/personal-finance-101</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show24</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/is-buying-a-fixer-upper-for-you</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/pros-and-cons-of-faster-mortgage-repayment2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/pros-and-cons-of-faster-mortgage-repayment</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/take-advantage-of-your-tfsa2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canadas-rate-decision</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show23</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/update-on-canadian-home-prices</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/take-advantage-of-your-tfsa</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute10</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/making-moving-day-stress-free</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show22</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-avoid-home-closing-day-anxiety</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/financial-tips-for-recent-graduates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/most-canadians-plan-to-work-after-retiring</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-importance-of-a-thorough-home-inspection</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-importance-of-a-thorough-home-inspection2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show21</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tips-for-first-time-buyers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute9</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show20</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/sales-up-average-price-down-in-ottawa-home-market</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/flaherty-new-mortgage-rules-doing-their-job</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-brokers-ottawa-launches-smartphone-application</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show19</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-mortgage-rules-may-reduce-offers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute8</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canada-creates-own-economic-path</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-safeguard-yourself-in-a-bidding-war</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/investors-want-to-know-why-carney-is-still-talking-about-rate-hikes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/carney-holds-rates-stance-cuts-growth-forecast</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-holds-rate-cuts-growth-forecast</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show18</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/purge-and-go-neutral-to-sell-your-home-faster</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/five-reasons-why-falling-house-prices-arent-so-bad</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/add-value-to-your-home-with-an-addition</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute7</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-housing-market-at-tipping-point-royal-lepage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show17</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/almost-half-of-canadians-dont-know-new-mortgage-rules</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/in-vancouver-the-sellers-market-recedes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-average-home-prices-forecast-to-contract-over-the-next-two-years</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-pros-and-cons-of-using-the-home-buyers-plan</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show16</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tips-for-first-time-landlords</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/buying-a-house-is-our-risk</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-brokers-city-announces-the-launch-of-advanced-private-lending2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute6</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-brokers-city-announces-the-launch-of-advanced-private-lending</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-rules-could-cool-hot-market</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show15</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tightened-lending-for-mortgages-will-cool-market-but-by-how-much</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-lending-guidelines-announced</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-lending-guidelines-announced2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement5</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/whats-new-for-first-time-buyers-in-2026-and-whats-always-been-worth-knowing</loc>
    
    <lastmod>2026-09-18T16:15:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement4</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/affordability-is-not-just-the-rate</loc>
    
    <lastmod>2026-09-18T16:15:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/could-a-new-build-be-more-affordable-than-a-resale</loc>
    
    <lastmod>2026-09-18T16:17:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/thinking-about-using-home-equity</loc>
    
    <lastmod>2026-09-18T16:17:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/buying-a-home-in-ontario</loc>
    
    <lastmod>2026-09-18T16:16:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/boc</loc>
    
    <lastmod>2026-09-18T16:17:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-pre-approval</loc>
    
    <lastmod>2026-09-18T16:17:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/oil-prices-inflation-your-mortgage</loc>
    
    <lastmod>2026-09-18T16:18:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-renewal-coming-up</loc>
    
    <lastmod>2026-09-18T16:18:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/thinking-about-refinancing-heres-what-to-know</loc>
    
    <lastmod>2026-09-18T16:18:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-your-mortgage-preapproval-isnt-a-promise-and-how-to-protect-yourself</loc>
    
    <lastmod>2026-09-18T16:19:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-holds-rate-at-225</loc>
    
    <lastmod>2026-09-18T16:19:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-your-mortgage-should-change-as-your-life-changes-and-how-to-do-it-right</loc>
    
    <lastmod>2026-09-18T16:19:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-new-reality-of-down-payments-in-canada-its-not-what-you-think</loc>
    
    <lastmod>2026-09-18T16:20:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-hidden-cost-of-monthly-payments-why-lower-isnt-always-better</loc>
    
    <lastmod>2026-09-18T16:20:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-your-mortgage-renewal-is-the-most-powerful-financial-moment-youll-ever-have</loc>
    
    <lastmod>2026-09-18T16:20:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-silent-mortgage-rule-that-catches-canadians-off-guard-the-stress-test-explained-simply</loc>
    
    <lastmod>2026-09-14T18:43:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-holds-policy-rate3</loc>
    
    <lastmod>2026-09-14T18:43:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/should-you-break-your-mortgage-and-renew-early</loc>
    
    <lastmod>2026-09-14T18:43:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/climate-risk-your-mortgage-why-lenders-care-about-flood-zones-and-energy-efficiency</loc>
    
    <lastmod>2026-09-14T18:43:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/selfemployed-heres-how-to-qualify-for-a-mortgage-in-2026</loc>
    
    <lastmod>2026-09-14T18:43:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-portability-explained-how-to-move-your-mortgage-when-you-move-homes</loc>
    
    <lastmod>2026-09-14T18:43:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/climate-incentive-wrap-up-what-ottawa-homebuyers-should-know-in-2026</loc>
    
    <lastmod>2026-09-14T18:43:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canda-holds-policy-rate</loc>
    
    <lastmod>2026-09-14T18:43:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/osfis-lti-rules-get-real-what-ottawa-borrowers-need-to-know-in-2026</loc>
    
    <lastmod>2026-09-14T18:43:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/winter-home-care-how-to-protect-your-home-during-the-cold-months</loc>
    
    <lastmod>2026-09-14T18:43:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-holds-policy-rate2</loc>
    
    <lastmod>2026-09-14T18:43:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/breaking-bank-of-canada-lowers-rates-again-to-225</loc>
    
    <lastmod>2026-09-14T18:43:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/could-you-afford-your-own-house-today</loc>
    
    <lastmod>2026-09-14T18:43:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-would-you-do-with-an-extra-400month</loc>
    
    <lastmod>2026-09-14T18:43:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/your-mortgage-should-work-for-you-not-the-bank</loc>
    
    <lastmod>2026-09-14T18:43:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-lowers-policy-rate</loc>
    
    <lastmod>2026-09-14T18:43:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/whats-your-mortgage-rate-if-it-starts-with-a-5-or-6-read-this</loc>
    
    <lastmod>2026-09-14T18:43:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-mortgage-renewal-mistake-72-of-canadians-make</loc>
    
    <lastmod>2026-09-14T18:43:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/your-mortgage-is-due-for-a-check-up</loc>
    
    <lastmod>2026-09-14T18:43:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/refinance-regret-is-real-dont-let-it-happen-to-you</loc>
    
    <lastmod>2026-09-14T18:43:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-equity-is-the-new-side-hustle</loc>
    
    <lastmod>2026-09-14T18:43:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/3-little-known-things-you-can-negotiate-in-a-mortgage-beyond-the-rate</loc>
    
    <lastmod>2026-09-14T18:43:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-holds-policy-rate</loc>
    
    <lastmod>2026-09-14T18:43:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/top-3-myths-holding-people-back-from-buying</loc>
    
    <lastmod>2026-09-14T18:43:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-if-you-could-buy-sooner-than-you-think</loc>
    
    <lastmod>2026-09-14T18:43:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/beyond-the-big-banks-what-do-alternative-lenders-have-to-offer</loc>
    
    <lastmod>2026-09-14T18:43:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/unlocking-your-home-equity-in-2025-smart-ways-to-use-the-value-in-your-home</loc>
    
    <lastmod>2026-09-14T18:43:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/short-term-mortgage-products-are-they-the-key-to-riding-out-rate-uncertainty</loc>
    
    <lastmod>2026-09-14T18:43:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/your-mortgage-is-coming-up-for-renewal-now-what</loc>
    
    <lastmod>2026-09-14T18:43:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/should-you-buy-now-or-wait-a-2025-guide-for-first-time-homebuyers</loc>
    
    <lastmod>2026-09-14T18:43:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-gsthst-housing-rebate</loc>
    
    <lastmod>2026-09-14T18:43:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/breaking-bank-of-canada-announces-rate-hold</loc>
    
    <lastmod>2026-09-14T18:43:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/preparing-for-a-mortgage-renew</loc>
    
    <lastmod>2026-09-14T18:43:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/falling-interest-rates-and-the-impact-on-mortgage-holders</loc>
    
    <lastmod>2026-09-14T18:43:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-time-homebuyers-guide</loc>
    
    <lastmod>2026-09-14T18:43:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-to-budget-for-as-a-homeowner</loc>
    
    <lastmod>2026-09-14T18:43:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/common-mistakes-first-time-buyers-make</loc>
    
    <lastmod>2026-09-14T18:43:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/alternative-lending-options-a-growing-trend-in-canadian-mortgages</loc>
    
    <lastmod>2026-09-14T18:43:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-hold-april-2025</loc>
    
    <lastmod>2026-09-14T18:43:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-path-to-homeownership-overcoming-challenges-in-a-high-rate-environment</loc>
    
    <lastmod>2026-09-14T18:43:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/2025-economic-forecasts-how-your-mortgage-fits-into-the-bigger-picture</loc>
    
    <lastmod>2026-09-14T18:43:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/unlocking-home-equity-to-fund-life-goals-in-a-high-rate-environment</loc>
    
    <lastmod>2026-09-14T18:43:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-decrease2</loc>
    
    <lastmod>2026-09-14T18:43:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/creative-down-payment-solutions-for-first-time-homebuyers</loc>
    
    <lastmod>2026-09-14T18:43:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/making-sense-of-canadas-housing-supply-crisis-what-it-means-for-buyers</loc>
    
    <lastmod>2026-09-14T18:43:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/preparing-for-a-home-inspection-what-buyers-and-sellers-need-to-know-in-2025</loc>
    
    <lastmod>2026-09-14T18:43:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/preparing-for-the-spring-2025-real-estate-market-surge</loc>
    
    <lastmod>2026-09-14T18:43:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/navigating-mortgage-rate-volatility-in-2025</loc>
    
    <lastmod>2026-09-14T18:43:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-decrease-january-2025</loc>
    
    <lastmod>2026-09-14T18:43:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/navigating-mortgage-renewals-in-2025-what-you-need-to-know</loc>
    
    <lastmod>2026-09-14T18:43:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/early-2025-mortgage-market-predictions-what-homeowners-should-expect</loc>
    
    <lastmod>2026-09-14T18:43:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fixed-vs-variable-mortgages-whats-the-right-choice-in-2025</loc>
    
    <lastmod>2026-09-14T18:43:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/stress-test-update-for-uninsured-mortgage-switches</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-decrease</loc>
    
    <lastmod>2026-09-14T18:43:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/alternative-lenders-and-private-mortgages</loc>
    
    <lastmod>2026-09-14T18:43:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/expert-predictions-for-2025</loc>
    
    <lastmod>2026-09-14T18:43:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/refinancing-101</loc>
    
    <lastmod>2026-09-14T18:43:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/all-assistance-programs-for-first-time-buyers</loc>
    
    <lastmod>2026-09-14T18:43:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/breaking-your-mortgage-early</loc>
    
    <lastmod>2026-09-14T18:43:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rising-home-prices-in-2024</loc>
    
    <lastmod>2026-09-14T18:43:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement-october-2024</loc>
    
    <lastmod>2026-09-14T18:43:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/understanding-the-2024-mortgage-rule-changes</loc>
    
    <lastmod>2026-09-14T18:43:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/government-expands-eligibility-for-30-year-amortizations</loc>
    
    <lastmod>2026-09-14T18:43:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/navigating-the-first-time-home-buying-journey</loc>
    
    <lastmod>2026-09-14T18:43:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-government-unveils-major-mortgage-reforms-to-boost-homeownership</loc>
    
    <lastmod>2026-09-14T18:43:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-optimize-your-down-payment</loc>
    
    <lastmod>2026-09-14T18:43:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement3</loc>
    
    <lastmod>2026-09-14T18:43:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-portability</loc>
    
    <lastmod>2026-09-14T18:43:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-basics</loc>
    
    <lastmod>2026-09-14T18:43:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-refinancing-can-save-your-monthly-cash-flow</loc>
    
    <lastmod>2026-09-14T18:43:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/extreme-weather-events-are-reshaping-mortgage-risks</loc>
    
    <lastmod>2026-09-14T18:43:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/30-year-amortizations-for-first-time-buyers</loc>
    
    <lastmod>2026-09-14T18:43:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/homeowners-are-anxious-about-their-renewal</loc>
    
    <lastmod>2026-09-14T18:43:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/borrowers-are-leaving-money-on-the-table-by-not-negotiating-rates</loc>
    
    <lastmod>2026-09-14T18:43:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-decreases-rates</loc>
    
    <lastmod>2026-09-14T18:43:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/understanding-debt-to-income-ratios</loc>
    
    <lastmod>2026-09-14T18:43:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/down-payment-and-mortgage-default-insurance2</loc>
    
    <lastmod>2026-09-14T18:43:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/navigating-the-current-real-estate-market</loc>
    
    <lastmod>2026-09-14T18:43:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/standard-charges-vs-collateral-charges2</loc>
    
    <lastmod>2026-09-14T18:43:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/understanding-mortgage-insurance</loc>
    
    <lastmod>2026-09-14T18:43:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/refinancing-your-mortgage-in-2024</loc>
    
    <lastmod>2026-09-14T18:43:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-home-buyers-refunds</loc>
    
    <lastmod>2026-09-14T18:43:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement-june-2024</loc>
    
    <lastmod>2026-09-14T18:43:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/protect-yourself-from-fraud</loc>
    
    <lastmod>2026-09-14T18:43:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/looking-beyond-mortgage-rates</loc>
    
    <lastmod>2026-09-14T18:43:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-use-home-equity-to-your-advantage</loc>
    
    <lastmod>2026-09-14T18:43:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/determining-the-best-mortgage-term2</loc>
    
    <lastmod>2026-09-14T18:43:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/halal-mortgages</loc>
    
    <lastmod>2026-09-14T18:43:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-pros-and-cons-of-adjustable-rate-mortgages</loc>
    
    <lastmod>2026-09-14T18:43:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/budget-2024-everything-you-need-to-know</loc>
    
    <lastmod>2026-09-14T18:43:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/breaking-30-year-amortization-rrsp-withdrawal-limits</loc>
    
    <lastmod>2026-09-14T18:43:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement2</loc>
    
    <lastmod>2026-09-14T18:43:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/navigating-cras-new-bare-trust-reporting</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/repayment-options</loc>
    
    <lastmod>2026-09-14T18:43:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/questions-about-credit</loc>
    
    <lastmod>2026-09-14T18:43:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/understanding-land-transfer-tax-for-home-buyers</loc>
    
    <lastmod>2026-09-14T18:43:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement-march-2024</loc>
    
    <lastmod>2026-09-14T18:43:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-4th-2024</loc>
    
    <lastmod>2026-09-14T18:43:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/down-payment-and-mortgage-default-insurance</loc>
    
    <lastmod>2026-09-14T18:43:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/navigating-economic-soft-landings-canadas-experience-holds-insights</loc>
    
    <lastmod>2026-09-14T18:43:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-surge</loc>
    
    <lastmod>2026-09-14T18:43:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/standard-charges-vs-collateral-charges</loc>
    
    <lastmod>2026-09-14T18:43:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/which-mortgage-is-right-for-you</loc>
    
    <lastmod>2026-09-14T18:43:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement-january-2024</loc>
    
    <lastmod>2026-09-14T18:43:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/vacant-unit-tax-vut-declaration-period-open</loc>
    
    <lastmod>2026-09-14T18:43:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-you-should-open-a-fhsa</loc>
    
    <lastmod>2026-09-14T18:43:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-january-13th-2024</loc>
    
    <lastmod>2026-09-14T18:43:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/unveiling-the-canadian-mortgage-charter</loc>
    
    <lastmod>2026-09-14T18:43:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement-december-2023</loc>
    
    <lastmod>2026-09-14T18:43:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-december-4th-2023</loc>
    
    <lastmod>2026-09-14T18:43:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-20th-2023</loc>
    
    <lastmod>2026-09-14T18:43:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/osfi-update-surrounding-stress-test</loc>
    
    <lastmod>2026-09-14T18:43:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement-october-2023</loc>
    
    <lastmod>2026-09-14T18:43:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/inflation-trends-offer-financial-respite-for-mortgage-holders-in-canada</loc>
    
    <lastmod>2026-09-14T18:43:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-october-16th-2023</loc>
    
    <lastmod>2026-09-14T18:43:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fixed-or-variable-high-stakes-for-homeowners</loc>
    
    <lastmod>2026-09-14T18:43:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-october-11th-2023</loc>
    
    <lastmod>2026-09-14T18:43:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-appraisals-who-owns-the-report-and-why-you-might-not-get-a-copy</loc>
    
    <lastmod>2026-09-14T18:43:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-18th-2023</loc>
    
    <lastmod>2026-09-14T18:43:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-should-i-get-pre-approved</loc>
    
    <lastmod>2026-09-14T18:43:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement-september-2023</loc>
    
    <lastmod>2026-09-14T18:43:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-5th-2023</loc>
    
    <lastmod>2026-09-14T18:43:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-28th-2023</loc>
    
    <lastmod>2026-09-14T18:43:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-21st-2023</loc>
    
    <lastmod>2026-09-14T18:43:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-portability-options</loc>
    
    <lastmod>2026-09-14T18:43:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-14th-2023</loc>
    
    <lastmod>2026-09-14T18:43:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-you-can-reduce-your-monthly-payments</loc>
    
    <lastmod>2026-09-14T18:43:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-29th-2023</loc>
    
    <lastmod>2026-09-14T18:43:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-18th-2023</loc>
    
    <lastmod>2026-09-14T18:43:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement-july-2023</loc>
    
    <lastmod>2026-09-14T18:43:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/10-questions-you-should-ask-your-agent</loc>
    
    <lastmod>2026-09-14T18:43:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/have-you-considered-a-5050-mortgage</loc>
    
    <lastmod>2026-09-14T18:43:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-24th-2023</loc>
    
    <lastmod>2026-09-14T18:43:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement-june-2023</loc>
    
    <lastmod>2026-09-14T18:43:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-3rd-2023</loc>
    
    <lastmod>2026-09-14T18:43:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tips-for-improving-your-credit-score</loc>
    
    <lastmod>2026-09-14T18:43:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-27th-2023</loc>
    
    <lastmod>2026-09-14T18:43:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/transitioning-from-renter-to-homeowner</loc>
    
    <lastmod>2026-09-14T18:43:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-23rd-2023</loc>
    
    <lastmod>2026-09-14T18:43:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-29th-2023</loc>
    
    <lastmod>2026-09-14T18:43:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/remaining-proactive-in-trying-times</loc>
    
    <lastmod>2026-09-14T18:43:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-24th-2023</loc>
    
    <lastmod>2026-09-14T18:43:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-home-savings-account</loc>
    
    <lastmod>2026-09-14T18:43:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered17</loc>
    
    <lastmod>2026-09-14T18:43:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-17th-2023</loc>
    
    <lastmod>2026-09-14T18:43:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement-april-2023</loc>
    
    <lastmod>2026-09-14T18:43:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-10th-2023</loc>
    
    <lastmod>2026-09-14T18:43:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/determining-the-best-mortgage-term</loc>
    
    <lastmod>2026-09-14T18:43:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered16</loc>
    
    <lastmod>2026-09-14T18:43:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-3rd-2023</loc>
    
    <lastmod>2026-09-14T18:43:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/foreign-buyer-ban-update</loc>
    
    <lastmod>2026-09-14T18:43:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-27th-2023</loc>
    
    <lastmod>2026-09-14T18:44:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered15</loc>
    
    <lastmod>2026-09-14T18:44:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-20th-2023</loc>
    
    <lastmod>2026-09-14T18:44:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/refinancing-to-pay-off-debt</loc>
    
    <lastmod>2026-09-14T18:44:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement-march-2023</loc>
    
    <lastmod>2026-09-14T18:44:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/budgeting-towards-homeownership</loc>
    
    <lastmod>2026-09-14T18:44:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered14</loc>
    
    <lastmod>2026-09-14T18:44:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-february-21st-2023</loc>
    
    <lastmod>2026-09-14T18:44:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/real-estate-title-fraud</loc>
    
    <lastmod>2026-09-14T18:44:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-increase-january-2023</loc>
    
    <lastmod>2026-09-14T18:44:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/vacant-unit-tax</loc>
    
    <lastmod>2026-09-14T18:44:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/foreign-buyer-ban</loc>
    
    <lastmod>2026-09-14T18:44:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-january-7th-2023</loc>
    
    <lastmod>2026-09-14T18:44:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/inflation-rate-cooled-to-68</loc>
    
    <lastmod>2026-09-14T18:44:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/osfi-announcement-on-stress-test</loc>
    
    <lastmod>2026-09-14T18:44:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-increases-rates-by-050</loc>
    
    <lastmod>2026-09-14T18:44:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-december-5th-2022</loc>
    
    <lastmod>2026-09-14T18:44:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-pay-for-renovations</loc>
    
    <lastmod>2026-09-14T18:44:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-26th-2022</loc>
    
    <lastmod>2026-09-14T18:44:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered13</loc>
    
    <lastmod>2026-09-14T18:44:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-19th-2022</loc>
    
    <lastmod>2026-09-14T18:44:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/october-housing-statistics</loc>
    
    <lastmod>2026-09-14T18:44:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-15th-2022</loc>
    
    <lastmod>2026-09-14T18:44:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered12</loc>
    
    <lastmod>2026-09-14T18:44:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-5th-2022</loc>
    
    <lastmod>2026-09-14T18:44:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ontario-proposes-sweep-to-housing-regulations</loc>
    
    <lastmod>2026-09-14T18:44:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered11</loc>
    
    <lastmod>2026-09-14T18:44:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-increase-october-26th-2022</loc>
    
    <lastmod>2026-09-14T18:44:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-october-17th-2022</loc>
    
    <lastmod>2026-09-14T18:44:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-october-1st-2022</loc>
    
    <lastmod>2026-09-14T18:44:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/august-housing-statistics</loc>
    
    <lastmod>2026-09-14T18:44:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-24th-2022</loc>
    
    <lastmod>2026-09-14T18:44:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-17th-2022</loc>
    
    <lastmod>2026-09-14T18:44:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-co-ownership-can-get-you-closer-to-your-own-home</loc>
    
    <lastmod>2026-09-14T18:44:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-increase-sept-7th-2022</loc>
    
    <lastmod>2026-09-14T18:44:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-06th-2022</loc>
    
    <lastmod>2026-09-14T18:44:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-20th-2022</loc>
    
    <lastmod>2026-09-14T18:44:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cheapest-ways-to-boost-your-home-value</loc>
    
    <lastmod>2026-09-14T18:44:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-13th-2022</loc>
    
    <lastmod>2026-09-14T18:44:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-6th-2022</loc>
    
    <lastmod>2026-09-14T18:44:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/buy-or-sell-first</loc>
    
    <lastmod>2026-09-14T18:44:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-18th-2022</loc>
    
    <lastmod>2026-09-14T18:44:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-increase-july-13th-2022</loc>
    
    <lastmod>2026-09-14T18:44:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-12th-2022</loc>
    
    <lastmod>2026-09-14T18:44:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered10</loc>
    
    <lastmod>2026-09-14T18:44:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-2nd-2022</loc>
    
    <lastmod>2026-09-14T18:44:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-27th-2022</loc>
    
    <lastmod>2026-09-14T18:44:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-20th-2022</loc>
    
    <lastmod>2026-09-14T18:44:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered9</loc>
    
    <lastmod>2026-09-14T18:44:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-11th-2022</loc>
    
    <lastmod>2026-09-14T18:44:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-6th-2022</loc>
    
    <lastmod>2026-09-14T18:44:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered8</loc>
    
    <lastmod>2026-09-14T18:44:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-increase-june-1st-2022</loc>
    
    <lastmod>2026-09-14T18:44:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-30th-2022</loc>
    
    <lastmod>2026-09-14T18:44:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-storm-dealing-with-the-damage</loc>
    
    <lastmod>2026-09-14T18:44:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-24th-2022</loc>
    
    <lastmod>2026-09-14T18:44:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered7</loc>
    
    <lastmod>2026-09-14T18:44:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-16th-2022</loc>
    
    <lastmod>2026-09-14T18:44:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/backyard-upgrades-for-the-best-roi</loc>
    
    <lastmod>2026-09-14T18:44:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-9th-2022</loc>
    
    <lastmod>2026-09-14T18:44:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/should-i-lock-in-to-a-fixed-rate</loc>
    
    <lastmod>2026-09-14T18:44:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-30th-2022</loc>
    
    <lastmod>2026-09-14T18:44:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/thinking-of-using-the-equity-in-your-home-for-renovations</loc>
    
    <lastmod>2026-09-14T18:44:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-23rd-2022</loc>
    
    <lastmod>2026-09-14T18:44:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ontario-offers-alternative-to-blind-bidding-on-real-estate</loc>
    
    <lastmod>2026-09-14T18:44:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-16th-2022</loc>
    
    <lastmod>2026-09-14T18:44:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-increase-april-13-2022</loc>
    
    <lastmod>2026-09-14T18:44:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-9th-2022</loc>
    
    <lastmod>2026-09-14T18:44:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-government-measures-to-fight-inflation</loc>
    
    <lastmod>2026-09-14T18:44:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-2nd-2022</loc>
    
    <lastmod>2026-09-14T18:44:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-housing-market-more-stable-than-many-believe</loc>
    
    <lastmod>2026-09-14T18:44:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-26th-2022</loc>
    
    <lastmod>2026-09-14T18:44:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mpc-meets-with-government-to-find-support-for-first-time-homebuyers</loc>
    
    <lastmod>2026-09-14T18:44:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-19th-2022</loc>
    
    <lastmod>2026-09-14T18:44:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-year-of-the-condo</loc>
    
    <lastmod>2026-09-14T18:44:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-12th-2022</loc>
    
    <lastmod>2026-09-14T18:44:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/retiring-you-have-many-options-to-explore</loc>
    
    <lastmod>2026-09-14T18:44:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-5th-2022</loc>
    
    <lastmod>2026-09-14T18:44:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-increase-march-03-2022</loc>
    
    <lastmod>2026-09-14T18:44:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-increase2</loc>
    
    <lastmod>2026-09-14T18:44:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-february-26th-2022</loc>
    
    <lastmod>2026-09-14T18:44:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-january-29th-2021</loc>
    
    <lastmod>2026-09-14T18:44:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-bank-of-canada-to-keep-its-key-interest-rate-target-on-hold6</loc>
    
    <lastmod>2026-09-14T18:44:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-january-8th-2021</loc>
    
    <lastmod>2026-09-14T18:44:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-prices-expected-to-rise-in-2022</loc>
    
    <lastmod>2026-09-14T18:44:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-december-11th-2021</loc>
    
    <lastmod>2026-09-14T18:44:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-no-change-to-rate</loc>
    
    <lastmod>2026-09-14T18:44:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-27th-2021</loc>
    
    <lastmod>2026-09-14T18:44:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-a-mortgage-pre-approval-can-protect-you-from-rising-rates</loc>
    
    <lastmod>2026-09-14T18:44:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-20th-2021</loc>
    
    <lastmod>2026-09-14T18:44:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-13th-2021</loc>
    
    <lastmod>2026-09-14T18:44:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-the-government-hopes-to-change-the-purchasing-process</loc>
    
    <lastmod>2026-09-14T18:44:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-rate</loc>
    
    <lastmod>2026-09-14T18:44:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-october-23rd-2021</loc>
    
    <lastmod>2026-09-14T18:44:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-real-estate-report-remax</loc>
    
    <lastmod>2026-09-14T18:44:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-october-15th-2021</loc>
    
    <lastmod>2026-09-14T18:44:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered6</loc>
    
    <lastmod>2026-09-14T18:44:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/annual-pace-of-housing-started-slowing-in-august</loc>
    
    <lastmod>2026-09-14T18:44:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-25th-2021</loc>
    
    <lastmod>2026-09-14T18:44:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-18th-2021</loc>
    
    <lastmod>2026-09-14T18:44:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/statscan-finds-mortgage-borrowing-record</loc>
    
    <lastmod>2026-09-14T18:44:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-11th-2021</loc>
    
    <lastmod>2026-09-14T18:44:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-9th-2021</loc>
    
    <lastmod>2026-09-14T18:44:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-bank-of-canada-to-keep-its-key-interest-rate-target-on-hold5</loc>
    
    <lastmod>2026-09-14T18:44:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered5</loc>
    
    <lastmod>2026-09-14T18:44:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-9th-2021</loc>
    
    <lastmod>2026-09-14T18:44:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/renewing-your-mortgage</loc>
    
    <lastmod>2026-09-14T18:44:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-17-2021</loc>
    
    <lastmod>2026-09-14T18:44:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-26th-2021</loc>
    
    <lastmod>2026-09-14T18:44:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-can-you-afford-to-buy-a-new-house</loc>
    
    <lastmod>2026-09-14T18:44:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-22nd-2021</loc>
    
    <lastmod>2026-09-14T18:44:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-planning-tips</loc>
    
    <lastmod>2026-09-14T18:44:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-12th-2021</loc>
    
    <lastmod>2026-09-14T18:44:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-market-may-2021</loc>
    
    <lastmod>2026-09-14T18:44:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-using-real-estate-as-an-investment</loc>
    
    <lastmod>2026-09-14T18:44:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-bank-of-canada-to-keep-its-key-interest-rate-target-on-hold4</loc>
    
    <lastmod>2026-09-14T18:44:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-5th-2021</loc>
    
    <lastmod>2026-09-14T18:44:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/impact-of-new-mortgage-stress-test-rules</loc>
    
    <lastmod>2026-09-14T18:44:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-rules-around-uninsured-mortgages</loc>
    
    <lastmod>2026-09-14T18:44:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-31st-2021</loc>
    
    <lastmod>2026-09-14T18:44:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered4</loc>
    
    <lastmod>2026-09-14T18:44:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/osfi-announces-plans-to-increase-the-stress-test-qualifying-rate-effective-june-1-2021</loc>
    
    <lastmod>2026-09-14T18:44:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-15th-2021</loc>
    
    <lastmod>2026-09-14T18:44:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/5-tips-to-increase-your-chances-of-getting-your-mortgage-approval</loc>
    
    <lastmod>2026-09-14T18:44:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-1st-2021</loc>
    
    <lastmod>2026-09-14T18:44:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/more-ottawa-residents-buying-over-the-provincial-boarder</loc>
    
    <lastmod>2026-09-14T18:44:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered3</loc>
    
    <lastmod>2026-09-14T18:44:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-24th-2021</loc>
    
    <lastmod>2026-09-14T18:44:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-bank-of-canada-to-keep-its-key-interest-rate-target-on-hold3</loc>
    
    <lastmod>2026-09-14T18:44:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-17th-2021</loc>
    
    <lastmod>2026-09-14T18:44:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered2</loc>
    
    <lastmod>2026-09-14T18:44:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-3rd-2021</loc>
    
    <lastmod>2026-09-14T18:44:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/securing-the-lowest-rate</loc>
    
    <lastmod>2026-09-14T18:44:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-your-questions-answered</loc>
    
    <lastmod>2026-09-14T18:44:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-20th-2021</loc>
    
    <lastmod>2026-09-14T18:44:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-13th-2021</loc>
    
    <lastmod>2026-09-14T18:44:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-bank-of-canada-to-keep-its-key-interest-rate-target-on-hold2</loc>
    
    <lastmod>2026-09-14T18:44:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-6th-2021</loc>
    
    <lastmod>2026-09-14T18:44:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/understanding-how-to-maintain-your-credit-score</loc>
    
    <lastmod>2026-09-14T18:44:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-february-27th-2021</loc>
    
    <lastmod>2026-09-14T18:44:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-did-the-average-household-spend-on-mortgage-payments</loc>
    
    <lastmod>2026-09-14T18:45:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-february-6th-20212</loc>
    
    <lastmod>2026-09-14T18:45:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-mortgage-as-an-investement</loc>
    
    <lastmod>2026-09-14T18:45:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-february-6th-2021</loc>
    
    <lastmod>2026-09-14T18:45:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/million-dollar-sale-serge-pushes-average-ottawa-home-value</loc>
    
    <lastmod>2026-09-14T18:45:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-january-23rd-20212</loc>
    
    <lastmod>2026-09-14T18:45:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-january-23rd-2021</loc>
    
    <lastmod>2026-09-14T18:45:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-bank-of-canada-to-keep-its-key-interest-rate-target-on-hold</loc>
    
    <lastmod>2026-09-14T18:45:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-moving-out-of-the-big-cities</loc>
    
    <lastmod>2026-09-14T18:45:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-january-9th-2021</loc>
    
    <lastmod>2026-09-14T18:45:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/2020-a-year-in-review</loc>
    
    <lastmod>2026-09-14T18:45:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-january-2nd-2021</loc>
    
    <lastmod>2026-09-14T18:45:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-december-19th-2020</loc>
    
    <lastmod>2026-09-14T18:45:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-bank-of-canada-is-keeping-its-key-interest-rate-target-on-hold</loc>
    
    <lastmod>2026-09-14T18:45:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-december-5th-2020</loc>
    
    <lastmod>2026-09-14T18:45:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tips-for-millennials-looking-to-buy</loc>
    
    <lastmod>2026-09-14T18:45:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/property-assessment-notice-postponed</loc>
    
    <lastmod>2026-09-14T18:45:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-28th-2020</loc>
    
    <lastmod>2026-09-14T18:45:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-how-will-covid-19-affect-your-mortgage</loc>
    
    <lastmod>2026-09-14T18:45:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-21th-2020</loc>
    
    <lastmod>2026-09-14T18:45:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-14th-2020</loc>
    
    <lastmod>2026-09-14T18:45:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-best-way-to-get-a-down-payment</loc>
    
    <lastmod>2026-09-14T18:45:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-7th-2020</loc>
    
    <lastmod>2026-09-14T18:45:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-october-31st-2020</loc>
    
    <lastmod>2026-09-14T18:45:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-continues-to-keep-rates-low</loc>
    
    <lastmod>2026-09-14T18:45:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-financing-options-for-home-renovations</loc>
    
    <lastmod>2026-09-14T18:45:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-october-24th-2020</loc>
    
    <lastmod>2026-09-14T18:45:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-october-17th-2020</loc>
    
    <lastmod>2026-09-14T18:45:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-the-second-wave</loc>
    
    <lastmod>2026-09-14T18:45:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-october-10th-2020</loc>
    
    <lastmod>2026-09-14T18:45:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-it-is-not-a-good-idea-to-pay-off-your-mortgage-right-now</loc>
    
    <lastmod>2026-09-14T18:45:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-breaking-your-mortgage</loc>
    
    <lastmod>2026-09-14T18:45:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-26th-2020</loc>
    
    <lastmod>2026-09-14T18:45:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-considers-changing-name</loc>
    
    <lastmod>2026-09-14T18:45:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-19th-2020</loc>
    
    <lastmod>2026-09-14T18:45:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-deferral-payments-to-end-soon</loc>
    
    <lastmod>2026-09-14T18:45:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-continues-to-keep-interest-rates-low</loc>
    
    <lastmod>2026-09-14T18:45:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-12th-2020</loc>
    
    <lastmod>2026-09-14T18:45:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/low-interest-rates-time-to-refinance</loc>
    
    <lastmod>2026-09-14T18:45:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-september-5th-2020</loc>
    
    <lastmod>2026-09-14T18:45:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-housing-showing-strength</loc>
    
    <lastmod>2026-09-14T18:45:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-29th-2020</loc>
    
    <lastmod>2026-09-14T18:45:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-the-costs-of-buying-a-home</loc>
    
    <lastmod>2026-09-14T18:45:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-crunch-expected-to-ease-in-second-half-of-2020-in-ottawa</loc>
    
    <lastmod>2026-09-14T18:45:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/stress-test-rate-falls-to-479</loc>
    
    <lastmod>2026-09-14T18:45:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-how-important-is-your-credit</loc>
    
    <lastmod>2026-09-14T18:45:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-rates-have-never-been-cheaper</loc>
    
    <lastmod>2026-09-14T18:45:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-8th-2020</loc>
    
    <lastmod>2026-09-14T18:45:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-time-home-buyers-incentive-program</loc>
    
    <lastmod>2026-09-14T18:45:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-1st-2020</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-how-much-can-you-afford</loc>
    
    <lastmod>2026-09-14T18:45:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-governors-promise-of-low-rates</loc>
    
    <lastmod>2026-09-14T18:45:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-18th-20202</loc>
    
    <lastmod>2026-09-14T18:45:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-hints-at-no-interest-rates-hikes-until-2023</loc>
    
    <lastmod>2026-09-14T18:45:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-18th-2020</loc>
    
    <lastmod>2026-09-14T18:45:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-announcement</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-taking-advantage-of-mortgage-rates</loc>
    
    <lastmod>2026-09-14T18:45:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/refinancing-and-mortgage-renewal-requests-soar</loc>
    
    <lastmod>2026-09-14T18:45:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-11th-2020</loc>
    
    <lastmod>2026-09-14T18:45:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-rule-tightening-comes-into-effect</loc>
    
    <lastmod>2026-09-14T18:45:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-4th-2020</loc>
    
    <lastmod>2026-09-14T18:45:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/pandemic-pushes-interest-rates-to-historic-lows</loc>
    
    <lastmod>2026-09-14T18:45:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-27th-2020</loc>
    
    <lastmod>2026-09-14T18:45:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-what-is-ppi</loc>
    
    <lastmod>2026-09-14T18:45:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-rates-near-all-time-low</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-20th-2020</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/welcome-relief-for-1st-time-home-buyers</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-13th-2020</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-rule-changes-update</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-rule-changes-june-2020</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-minute-with-frank-napolitano</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-30th-2020</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-23rd-2020</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/coronavirus-and-the-housing-market-is-this-a-good-time-to-buy</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-16th-2020</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-time-home-buyers-with-job-security-should-get-preapproved-for-a-mortgage</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-9th-2020</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/save-money-by-getting-pre-approved-for-lower-mortgage-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-2nd-2020</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/which-benefits-am-i-eligible-for-during-the-covid-19-pandemic</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-24th-2020</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-sales-activity-crashed-last-month</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-18th-2020</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/unusual-mortgage-rate-landscape-created-by-covid-19</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-11th-2020</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/interest-rates-are-plunging-so-why-arent-mortgage-rates</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-4th-2020</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-28th-2020</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-cuts-key-interest-rate-to-025</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-the-government-is-offering-you-in-covid-19-benefits</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-have-become-much-less-interested-in-buying-homes</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/covid-19-has-reverberated-across-all-segments-of-canadian-society</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-22nd-2020</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/covid-19-lender-and-default-insurance-mortgage-payment-relief</loc>
    
    <lastmod>2026-09-14T18:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/covid-19-mortgage-payment-difficulties</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-14th-2020</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/breaking-bank-of-canada-surprises-with-another-interest-rate-cut-to-counter-covid-19</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/falling-interest-rates-could-add-fuel-to-spring-home-buying-season</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-february-29-20202</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-cuts-rate-by-half-a-point-to-125</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-february-29-2020</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/giving-back-mbo-advanced-donate-to-marconi-centre</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-february-22-2020</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-down-in-january-crea</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/changes-to-stress-test-rate-for-insured-mortgages</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-february-8-2020</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/january-resales-lose-momentum-oreb</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-time-home-buyer-incentive-off-to-a-slow-start</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-february-1-2020</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-january-25-2020</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-once-again-maintains-rate-at-175</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-january-18-2020</loc>
    
    <lastmod>2026-09-14T18:45:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/statscan-releases-report-about-lucrative-mortgage-investment-industry</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-january-15-2020</loc>
    
    <lastmod>2026-09-14T18:45:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-january-11-2020</loc>
    
    <lastmod>2026-09-14T18:45:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/record-breaking-2019-closes-out-decade-oreb</loc>
    
    <lastmod>2026-09-14T18:45:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-january-4-2020</loc>
    
    <lastmod>2026-09-14T18:45:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-december-14-2019</loc>
    
    <lastmod>2026-09-14T18:45:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/millennials-shift-to-the-suburbs-will-drive-up-canadian-home-prices-next-year-royal-lepage-says</loc>
    
    <lastmod>2026-09-14T18:45:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-december-7-2019</loc>
    
    <lastmod>2026-09-14T18:45:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/weather-isnt-cooling-the-resale-market-oreb</loc>
    
    <lastmod>2026-09-14T18:45:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-december-3-2019</loc>
    
    <lastmod>2026-09-14T18:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-overnight-rate2</loc>
    
    <lastmod>2026-09-14T18:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-november-30-2019</loc>
    
    <lastmod>2026-09-14T18:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-november-23-2019</loc>
    
    <lastmod>2026-09-14T18:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-hold-steady-in-october-crea</loc>
    
    <lastmod>2026-09-14T18:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-november-16-2019</loc>
    
    <lastmod>2026-09-14T18:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/octobers-whirlwind-resale-market-oreb</loc>
    
    <lastmod>2026-09-14T18:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-november-9-2019</loc>
    
    <lastmod>2026-09-14T18:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-november-5-2019</loc>
    
    <lastmod>2026-09-14T18:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-november-2-2019</loc>
    
    <lastmod>2026-09-14T18:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/no-change-for-bank-of-canada-overnight-rate</loc>
    
    <lastmod>2026-09-14T18:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-october-26-2019</loc>
    
    <lastmod>2026-09-14T18:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-october-22-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-rise-again-in-september-crea</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-october-12-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/where-the-parties-currently-stand-on-housing-affordability-federal-election-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-october-5-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fall-market-springs-forward-oreb</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-not-deterred-by-homeownership-obstacles-cmt</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-september-21-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-edge-higher-in-august-crea</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-september-14-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-sept-10-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-september-7-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-overnight-rate-target-at-1-percent</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/heres-what-you-need-to-know-about-the-first-time-home-buyer-incentive-ctv-news</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-august-17-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-rise-in-july-crea</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-august-10-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/hot-market-in-a-scorching-july-oreb</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-august-3-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-you-need-to-know-if-youre-making-the-leap-from-land-owner-to-landlord-fp</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-july-20-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-hold-steady-in-june-crea</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-july-13-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-interest-rates-once-again</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-july-6-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/could-it-take-millennials-29-years-to-save-for-a-home</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-june-29-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-june-25-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-june-22-2019</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-info-on-the-first-time-home-buyer-incentive</loc>
    
    <lastmod>2026-09-14T18:45:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-june-15-2019</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-spending-more-on-debt-payments</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-june-8-2019</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-june-1-2019</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-continues-to-maintain-rate-at-175</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-may-28-2018</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-may-25-2019</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-mortgage-loans-slowed-in-canada-but-overall-value-is-still-rising-says-cmhc-cbc</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-may-18-2019</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-may-11-2019</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/april-ottawa-real-estate-review-oreb</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-may-4-2019</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-april-30-2019</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/stress-test-and-home-ownership-challenges</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-interest-rates</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-april-20-2019</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-edge-higher-in-march-crea</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-april-10-2019</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-agree-owning-beats-renting</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-april-6-2019</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/a-slow-march-into-spring-market-for-ottawa-real-estate-oreb</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-march-30-2019</loc>
    
    <lastmod>2026-09-14T18:45:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-march-26-2019</loc>
    
    <lastmod>2026-09-14T18:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-march-23-2019</loc>
    
    <lastmod>2026-09-14T18:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/federal-budget-2019-relief-for-first-time-home-buyers</loc>
    
    <lastmod>2026-09-14T18:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-march-16-2019</loc>
    
    <lastmod>2026-09-14T18:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-key-interest-rate</loc>
    
    <lastmod>2026-09-14T18:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-ownership-rates-in-canada-still-among-highest-globally-cmt</loc>
    
    <lastmod>2026-09-14T18:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-march-2-2019</loc>
    
    <lastmod>2026-09-14T18:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/morneau-faces-pressure-to-help-first-time-homebuyers-in-march-budget</loc>
    
    <lastmod>2026-09-14T18:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-february-19-2019</loc>
    
    <lastmod>2026-09-14T18:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-february-16-2019</loc>
    
    <lastmod>2026-09-14T18:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-february-9-2019</loc>
    
    <lastmod>2026-09-14T18:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/january-record-breaking-home-sales-oreb</loc>
    
    <lastmod>2026-09-14T18:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-february-5-2019</loc>
    
    <lastmod>2026-09-14T18:45:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-state-of-the-mortgage-market-mpc</loc>
    
    <lastmod>2026-09-14T18:45:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-february-2-2019</loc>
    
    <lastmod>2026-09-14T18:45:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-january-26-2019</loc>
    
    <lastmod>2026-09-14T18:45:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/liberals-have-options-to-help-more-millennials-buy-homes-experts-say-np</loc>
    
    <lastmod>2026-09-14T18:45:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-january-22-2019</loc>
    
    <lastmod>2026-09-14T18:45:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-january-19-2019</loc>
    
    <lastmod>2026-09-14T18:45:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-dip-in-december-crea</loc>
    
    <lastmod>2026-09-14T18:45:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-january-12-2019</loc>
    
    <lastmod>2026-09-14T18:45:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-holds-interest-rate-at-175</loc>
    
    <lastmod>2026-09-14T18:45:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-january-5-2019</loc>
    
    <lastmod>2026-09-14T18:45:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-december-18-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-december-8-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-overnight-rate-target-at-175-per-cent</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-december-1-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/national-vacancy-rate-falls-below-average-of-last-10-years-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tips-for-qualifying-for-a-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-november-17-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-fall-in-october-according-to-crea-data</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-less-down-payment-can-lead-to-a-better-interest-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-november-10-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-november-6-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/october-homes-sales-above-average-oreb</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-november-3-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/head-of-cmhc-addresses-b-20-regulations</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-october-27-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-increases-interest-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-renewal-tips</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-october-20-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/majority-of-first-time-buyers-maxed-out-budgets-to-buy-a-home-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-october-16-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-october-13-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/expected-mortgage-rate-hikes-may-crimp-housing-market-globe-and-mail</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-cmhc-guidelines-financing-for-self-employed</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-october-6-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/costar-reports-slower-start-to-2018-for-commercial-real-estate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-october-2-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-september-29-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/orea-joins-chorus-calling-for-stress-tests-annulment</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-september-25-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-activity-edges-higher-in-august-crea</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-home-prices-increase-71-year-over-year-crea-cbc-report</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-september-15-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-released-economic-update-for-first-half-of-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/report-finds-homeownership-is-the-affordable-alternative-as-rent-costs-continue-to-soar</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-september-11-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/august-by-the-numbers-oreb</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-september-8-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-holds-rates-steady</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-september-1-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-august-28-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-may-maintain-interest-rates-on-september-5th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-august-25-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/average-credit-score-of-canadian-mortgage-holders-improving-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-18-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-activity-strengthens-in-july-crea</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/details-on-the-new-interest-only-mortgages</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-11-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ontario-baby-boomers-are-planning-to-downsize-or-move-out-of-big-cities-survey</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/a-sizzling-summer-for-ottawa-real-estate-oreb</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-august-4-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-brokers-vs-banks-the-pros-and-cons</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/collateral-vs-standard-charge-mortgages-ctv</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-28-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/stress-test-impacts-measured-mpc-report</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/changes-to-cmhc-self-employed-programs-coming-october-1-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-21-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-rate-your-variable-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-sales-inch-higher-in-june-but-average-prices-still-down-13-in-past-year</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-14-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-the-bank-of-canada-rate-hike-means-for-your-mortgage-and-savings-account</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-moves-forward-with-interest-rate-increase</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/consumer-choice-8-years-in-a-row</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-july-7-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/condo-sales-keep-market-from-over-heating-oreb</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-30-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/will-the-bank-of-canada-increase-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-june-26-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-23-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ontario-home-prices-expected-to-rise-moderately-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-16-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-june-12-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-9-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawas-spring-market-strength-continues</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-june-2-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-may-29-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-once-again-maintains-key-interest-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-26-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/looking-to-buy-here-is-a-list-of-ontarios-cities-by-affordability</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-19-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-may-15-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/adjustment-to-mortgage-rules-could-help-save-you-money-at-renewal-time</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-12-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/increase-to-the-mortgage-qualifying-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-may-5-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bidding-wars-in-the-ottawa-real-estate-market</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-28-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-april-24-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-21-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/stress-test-effects-are-becoming-apparent</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/no-rate-increase-from-boc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-14-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-april-10-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-april-7-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-april-3-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/this-insurance-can-save-home-owners-from-budget-busting-expenses</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-31-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ontarios-top-10-cities-for-real-estate-investment-report-released</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/emptying-the-nest-how-parents-are-helping-their-kids-buy-homes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-24-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-17-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/research-roundup-how-is-ottawas-real-estate-market-doing</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-march-13-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-10-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-bank-of-canada-maintains-the-key-interest-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-march-3-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/march-fraud-prevention-month</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-february-27-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-february-24-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-february-17-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/higher-interest-rates-wont-break-consumers-backs-says-major-bank</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-february-10-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-february-13-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-february-3-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-ottawa-has-become-a-top-real-estate-market-to-watch</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-january-30-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-january-27-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fao-releases-ontario-household-debt-report</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-january-20-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-rate-increase</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-january-13-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-were-reading-national-bank-finds-ratio-of-household-debt-to-income-is-conservative</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-january-9-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-january-6-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/switch-or-renew</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-stress-test-brings-winter-real-estate-spike-december-30-2017</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-december-13</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-december-9-2017</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/budgeting-can-make-a-world-of-difference</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-december-2-2017</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/important-factors-to-consider-when-choosing-your-new-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-november-28</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-25</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-november-21-2017</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show-november-18</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-november-14</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-days-of-talking-mortgage-rates-at-the-water-cooler-are-over</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show-november-6-2018</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/acc-what-were-reading</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-mortgage-show</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/osfis-new-mortgage-stress-test-may-arrive-sooner-than-you-think</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rule-changes-osfi-find-out-more-about-how-the-new-rule-changes-will-affect-you</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/study-suggests-millennials-could-improve-finance-habits</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-prioritize-mortgage-payments-over-other-debts</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/more-than-half-of-canadians-say-they-arent-financially-prepared-if-interest-rates-jump</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-august-15</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/water-damage-is-probably-the-biggest-threat-to-your-home-are-you-protected</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-july-25</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-the-bank-of-canadas-latest-rate-hike-means-for-your-finances</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/interest-rate-hike-expected-wednesday-july-12-2017</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/8-ways-to-save-a-down-payment-for-a-home-or-any-other-big-purchase</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-june-21</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/consider-locking-in-your-mortgage-if-you-cant-take-the-rate-hike-heat</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-june-6-2017</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-may-23-2017</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-mortgage-show-may-13</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/for-the-wealthy-carrying-a-mortgage-is-part-of-the-strategy</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-announces-it-will-hold-its-key-rate-at-05-per-cent</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-gap-created-by-the-posted-rate-leaves-homebuyers-with-a-decision-to-make</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/more-millennials-grappling-with-high-debt-loads</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-march-11</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintain-key-interest-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rates-arent-everything-dont-forget-to-consider-term</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-february-21-2017</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-february-11</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-housing-just-wont-quit-home-building-continues-to-grow-in-january</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/here-are-five-steps-you-can-take-to-jump-start-your-financial-success</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-28</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-largest-private-mortgage-default-insurer-is-matching-cmhcs-premium-hikes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-hiking-mortgage-insurance-premiums</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-a-simple-credit-error-can-ruin-your-home-owning-dream2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-not-to-slaughter-your-personal-finances-this-holiday-season</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ontario-increases-tax-refund-for-first-time-home-buyers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-november-12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mike-hapke-real-estate-is-the-best-way-to-increase-net-worth</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-29</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/looking-to-buy-a-home-ways-to-save-for-the-down-payment</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-policy-is-being-created-for-the-whole-country-based-on-markets-in-toronto-and-vancouver</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawas-new-mortgage-rules-are-anticpated-to-drive-up-rents-in-toronto</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-debt-loads-have-increased-again-this-year</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-8</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-1</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-september-24</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/nearly-40-of-of-canadians-struggled-to-pay-household-expenses-in-the-past-year</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-august-272</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/do-you-really-need-a-budget-in-your-20s</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-avalanche-your-way-out-of-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-august-13</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/are-you-the-right-fit-for-a-hybrid-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-july-30</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-are-getting-lured-into-signing-long-term-car-loans</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-july-23</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-down-payment-tool-find-out-when-youll-be-a-homeowner</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/5-minutes-for-business-is-canada-in-a-real-estate-bubble</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-july-12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/three-ways-to-pay-off-your-mortgage-faster</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-july-9</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/should-you-spend-everything-on-a-home-down-payment</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-july-2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/thinking-about-buying-a-home-that-needs-a-little-bit-of-work</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-june-25</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-steps-are-involved-in-obtaining-a-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-june-28</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-should-you-consider-refinancing-your-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-june-18</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-june-11</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-may-172</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-june-4</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-a-simple-credit-error-can-ruin-your-home-owning-dream</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-may-17</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-may-14</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/review-all-of-your-options-before-you-sign-that-mortgage-renewal-offer</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-april-30</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-april-23</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/homeowners-devastated-after-being-hit-by-a-1700000-mortgage-penalty-by-their-bank</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-april-16</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-april-12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-april-9</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-the-overnight-target-rate-at-05</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-april-2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-march-26</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-march-19</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-keeps-key-interest-rate-at-05</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/moving-your-mortgage-between-lenders-in-search-of-a-lower-rate-can-cost-you</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/penalties-and-rates-should-be-considered-when-mortgage-shopping</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-february-6</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-23</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-16</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-holds-key-interest-rate-steady-at-05</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-january-12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-9</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-homeowners-should-cheer-new-down-payment-rules</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/no-ontario-communities-outside-toronto-to-have-land-transfer-tax</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-november-28st</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-november-21st</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ontario-government-one-step-closer-to-allowing-doubling-of-land-transfer-taxes-on-home-buyers-provin</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-resales-hit-second-best-october-in-nearly-six-years</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-november-14th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-november-3rd</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-31st</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-17th2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-october-20th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-prices-are-growing-at-one-of-the-fastest-paces-in-the-world</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-17th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-october-6th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-3rd</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-september-29th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-september-26</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-books-are-back-in-black-for-first-time-in-8-years-after-surprise-19-billion-surplus</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-september-12th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-bank-of-canada-said-that-household-spending-and-a-weaker-currency-are-the-leading-recovery-out-o</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-september-05th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-august-25</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-piling-up-good-debt-report-says</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-august-252</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-loans-continue-to-grow-with-low-rates-still-available</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/condo-sales-rise-in-ottawa-other-home-sales-steady</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-august-15</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-august-8</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-august-11</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tough-love-message-is-what-clients-want-brokers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-fraud-on-the-decline-in-canada-genworth-ceo-says</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-august-1</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-july-25</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-happens-to-your-credit-rating-when-you-miss-a-mortgage-payment</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-july-18</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/now-is-the-time-to-take-advantage-of-an-early-mortgage-renewal</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/alt-lenders-leaning-on-mortgage-brokers-when-it-comes-to-bruised-credit</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-july-4</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/obstacles-to-getting-the-best-mortgage-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-june-12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-june-6</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-may-23</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/need-a-mortgage-on-a-cottage-heres-what-lenders-look-for</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-may-26</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-may-232</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/report-downplays-debt-risk-in-canadian-marketplace</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-may-16</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-lenders-are-getting-creative-to-keep-rates-low-but-heres-why-homebuyers-should-beware</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-may-12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-may-9</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/over-40-of-first-time-home-buyers-in-canada-cant-afford-a-house-without-their-parents-help</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-may-2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-april-28</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-should-clear-up-obscure-mortgage-penalties</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-april-25</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-april-18</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/its-a-waiting-game-for-single-condo-buyers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-april-14th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/genworths-statistics-on-1800-first-time-homebuyers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-mortgage-show-april-11th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/baby-boomers-fuelling-sales-of-luxury-homes-in-big-canadian-cities</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-april-4</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-insurer-genworth-follows-cmhc-in-raising-premium</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/seven-mistakes-millennials-make-when-buying-real-estate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-march-28</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-defends-its-credibility-after-rate-cut-shocker</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-march-24</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-march-21</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/dont-judge-a-banks-mortgage-by-its-hyped-up-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/spring-mortgage-market-kicks-off-with-major-banks-offering-new-low-rates-but-you-can-do-better</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-social-media-can-tank-your-finances</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-march-14</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-march-10</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/a-few-myths-about-canadian-household-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-march-7th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/are-variable-mortgages-worth-it-if-lenders-dont-follow-the-boc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/that-mortgage-on-your-back-relax-heres-why</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-february-28th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-february-21</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/thank-you-ottawa4</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/step-away-from-the-hammer-when-a-reno-is-a-good-investment-and-when-its-not</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-february-14</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/should-you-withdraw-from-your-rrsp-to-buy-a-house</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-february-10</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-february-7</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/amid-tighter-bank-rules-more-canadians-turning-to-alternative-lenders</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-31</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-big-banks-cut-prime-lending-rate-to-285-failing-to-match-boc-move</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-banks-on-brink-of-mortgage-price-war</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-24th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-shocks-market-with-rate-cut</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-canadians-can-expect-low-interest-rates-for-longer-much-longer</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-january-20</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-17</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/want-a-25000-gazebo-the-cost-of-home-renovations-is-soaring</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/real-estate-flippers-beware-the-taxman-is-watching</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-10th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/interest-rate-hike-4-ways-canadians-should-prepare</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-january-3rd</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-december-27</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/if-buying-a-house-is-a-financial-stretch-keep-saving</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-december-20th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-december-16th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/subprime-lending-market-in-canada-skyrockets-to-record-as-banks-tighten-reins</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-december-13</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/what-to-look-out-for-when-renegotiating-a-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/great-news-coming-if-youre-renewing-a-mortgage-youre-about-to-save-money</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-december-6th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-with-too-many-wins-in-their-tfsa-are-being-targetted-by-cra</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-november-29th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/despite-spiking-house-prices-ownership-became-slightly-more-affordable</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canadas-interest-rate-may-go-up-in-may-and-rise-steadily-after-that-oecd-says</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-november-24</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-november-18</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/is-helping-children-buy-their-first-home-becoming-the-next-parental-responsibility</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-november-15th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/watchdog-tweaks-mortgage-rules-for-insurers-banks</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-november-8th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/toronto-and-vancouver-home-prices-pass-rome-and-close-in-on-paris</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-november-4</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-november-1st</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/downtown-living-seen-as-driving-force-in-2015-real-estate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-new-target-auto-finance</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-25th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-keeps-overnight-interest-rate-at-1</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-october-21</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-renovations-do-you-really-need-that-new-kitchen</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-18th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/getting-a-divorce-here-are-four-things-to-consider-before-selling-your-real-estate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-11th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/getting-squeezed-by-high-house-prices-head-for-the-suburbs</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-october-7</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-october-4th</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-newly-rich-how-your-world-changes-when-downsizing-creates-a-windfall</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-september-27</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/its-taxes-versus-a-mortgage-for-the-self-employed</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-september-20</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/when-it-comes-to-home-buying-is-smaller-is-better2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-september-13</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-september-9</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-ownership-strategies-you-need-time-money-or-expertise-to-own-a-rental-property</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-september-6</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/house-prices-keep-going-up-but-they-are-more-affordable-thanks-to-cheap-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-august-30</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/nine-ways-to-power-save-your-way-to-a-down-payment</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-august-26</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/five-signs-you-are-ready-to-take-the-home-buying-plunge</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-much-mortgage-should-you-and-your-spouse-carry</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-august-16</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-august-12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-august-2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-starts-rise-in-july-top-expectations</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/condo-glass-panels-may-look-great-but-youll-pay-more-for-heat-and-ac</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-july-26</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/with-household-debt-near-record-highs-boc-mulls-major-interest-rate-policy-change</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-july-22</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-canadians-are-shaving-thousands-off-the-cost-of-their-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-july-19</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-rules-may-be-tighter-for-the-self-employed-but-options-remain</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-july-12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-morning-live-mortgage-minute-july-8</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-high-end-home-sales-soar-in-first-half-of-the-year</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-real-estate-and-mortgage-show-july-5</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-controls-hurt-young-buyers-expert</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-controls-hurt-young-buyers-expert2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-time-homebuyers-should-strive-for-a-bigger-down-payment</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/officials-expected-to-finalize-lending-guidelines-by-end-of-june-early-july</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show14</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-young-people-should-start-building-their-credit-profile-now</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-bubble-fears-a-boon-for-alternative-lenders</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/crea-updates-resale-housing-forecast</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-housing-market-still-outshines-rest-of-world</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute5</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/saving-20-down-for-a-house-was-worth-the-wait</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/british-columbia-rental-market-report</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/alberta-rental-market-report</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/saskatchewan-rental-market-report</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/manitoba-rental-market-report</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-brunswick-rental-market-report</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-rental-market-report</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show13</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-much-do-you-think-youll-get-back-for-that-reno</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/investors-grow-their-reliance-on-mortgage-brokers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/half-of-canadians-expect-to-be-debt-free-by-2017</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-interest-rate-decision-what-you-need-to-know</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-get-started-with-a-savings-plan</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show12</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/do-you-have-debt-phobia</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/more-canadians-locking-in-low-rate-mortgages-reducing-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute4</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-brokers-city-expands-its-services</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/maybe-debt-isnt-so-bad-after-all</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show11</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/lessons-learned-from-a-year-as-a-home-owner</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/oecd-hawkish-on-bank-of-canada-rate-hikes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/buy-now-save-later</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show10</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/learn-about-condo-ownership-before-you-buy</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/yes-you-can-reestablish-your-credit-rating</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/house-prices-9-reasons-not-to-panic</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/making-an-offer</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/got-a-house-you-need-a-will</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show9</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/want-to-buy-a-cottage-weigh-the-costs-versus-the-rewards</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-debt-loads-getting-lighter</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute3</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-weve-locked-in-to-a-10-year-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show8</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-vs-life-insurance-which-is-best</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/consider-the-cost-of-maintenance-when-buying-a-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/variable-vs-fixed-is-it-time-to-lock-in-your-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rate-hike-isnt-needed-economists</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show7</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/on-her-own-new-show-builds-on-trend-of-single-female-buyers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/more-reforms-needed-at-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/once-again-pay-down-your-debts-before-rates-rise</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show6</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-use-your-line-of-credit-the-right-way</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-return-of-the-assumable-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-hints-at-higher-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show5</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-make-your-house-picture-perfect-for-the-sale</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/my-fast-track-to-mortgage-freedom</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/march-housing-starts-pick-up-the-pace</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show4</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ctv-news-mortgage-minute</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/second-mortgages-often-bear-bad-stigma</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/i-bought-a-second-condo-how-will-this-affect-my-taxes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/maybe-we-arent-too-indebted</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show3</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/accelerating-mortgage-payments-saves-money</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/refinancing-who-qualifies</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/an-investment-of-a-lifetime</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-keep-credit-history-for-a-stay-at-home-spouse</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/busy-spring-real-estate-market-expected</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/current-mortgage-issues</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/10-ways-to-plan-it-greener</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/thank-you-ottawa</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-edge-higher-in-february</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-we-chose-a-new-house-over-resale</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/do-you-know-your-debt-to-income-ratio</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/open-house-the-real-estate-and-mortgage-show</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/your-mortgage-penalty-may-be-tax-deductible</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/before-you-decide-to-borrow-ask-yourself-these-five-questions</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/checking-your-credit-rating</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgages-it-pays-to-be-frugal</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/your-income-tax-return-a-guide-to-the-biggest-refund</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/is-real-estate-the-answer-to-investor-angst</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/flaherty-economists-optimistic-but-warn-of-overheated-housing-market</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/10-ways-to-avoid-buying-the-wrong-house</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-prices-flat-or-falling-in-fourth-quarter</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/buying-a-home-10-things-you-need-to-know</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-bubble-or-prudent-investment</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-home-closing-costs-can-add-up</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/winter-home-checklist</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/paying-off-your-mortgage-early-can-cost-you</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/dont-renew-your-mortgage-with-your-eyes-closed</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-market-poised-for-severe-correction-finance-professor-says</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-qualify-for-a-brand-spanking-new-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/when-to-consider-raising-your-home-buying-budget</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/pros-and-cons-of-being-an-absent-landlord</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rrsps-can-house-a-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/two-steady-housing-years-ahead-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rrsp-vs-paying-down-debt-which-is-better</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/20-things-to-look-for-in-a-home-inspection</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-starts-dip-in-january-but-beat-forecasts</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-prices-up-in-january-crea</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/when-its-not-a-good-idea-to-make-an-rrsp-contribution</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/flaherty-concerned-by-mortgage-lending</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/top-10-kitchen-renovation-tips</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/retiring-with-a-mortgage-you-have-options</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/low-interest-rates-may-shield-housing-market-from-bubble</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-backing-fewer-loans</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/strategy-for-first-homes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/skills-only-part-of-home-improvement-success</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/boomers-piling-up-the-most-debt-cibc-says</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/catching-up-your-nest-egg</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/more-mortgage-rules-planned-if-housing-market-gets-too-hot</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/get-ready-for-a-bumpy-housing-market-ride-economists-predict</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/would-your-finances-survive-if-you-couldnt-work</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/a-january-state-of-mind</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-ready-to-intervene-on-housing-but-not-now-flaherty</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-mixed-blessing-of-low-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-are-mortgage-rates-hitting-record-lows</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/that-low-credit-score-can-cost-you-big-bucks</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-housing-boom-among-longest-in-western-world</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-unemployment-steady-at-63-per-cent</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-housing-observer-2011</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-sales-rise-listings-decline-conference-board</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/real-estate-bubble-in-2012-nah-its-starting-to-float-back-to-earth</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tax-savings-should-be-top-of-your-resolution-list</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/2012-the-year-of-borrowing-trouble</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-stay-financially-sane-in-2012</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/a-savings-strategy-for-those-who-splurge-too-often</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/annual-inflation-holds-steady-at-29-per-cent-in-november</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/experts-see-humongous-growth-in-mobile-banking-in-canada-heading-into-2012</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/helen-morris-energy-efficiency-worth-the-effort</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/stagnant-incomes-push-debt-burden-higher</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/five-economic-themes-to-watch-for-in-2012</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-economy-surges-ahead</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-home-construction-drops-sharply-singles-still-in-demand</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-holds-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-rosy-for-2012-remax</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bad-credit-you-might-need-to-work-on-your-patience</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/lower-interest-rates-improves-housing-affordability</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-consumer-debt-loads-stabilize</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/growth-of-mortgage-debt-slows</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-paying-off-mortgages-early-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-housing-frothier-than-us-at-peak-economist</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/interest-rates-low-until-2013-carney</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/retire-that-mortgage-before-you-do</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/inside-the-bubble-looking-out</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/october-housing-sales-show-markets-strength</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/buy-diapers-or-pay-the-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/i-didnt-understand-the-home-buyers-plan-what-now</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-top-expectations</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/questionable-prepayment-penalties</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-ultimate-home-maintenance-guide</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-heed-debt-warnings-and-exhibit-confidence-in-their-ability-to-manage-their-mortgage-caamp</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/house-prices-to-hold-next-year-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-values-have-doubled-since-2000</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/cmhc-housing-outlook-ottawa</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/building-permits-fall-in-september</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/this-mortgage-can-make-your-reno-happen</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/low-rate-not-always-best</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-price-index-hits-new-high</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tsx-falters-on-bank-of-canada-report</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-overnight-rate-target-at-1-per-cent4</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/basement-finishing-creating-high-style-on-the-lower-level</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/its-good-to-talk-about-finances-with-kids</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/three-in-five-canadians-satisfied-with-countrys-economic-conditions</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/markets-hit-canadas-leading-indicators</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/8-ways-to-stay-warm-with-the-furnace-off</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-prices-post-smallest-gain-since-january</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/all-the-comforts-for-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/boomers-putting-downsizing-on-hold</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/variable-rate-vs-fixed-rate-which-way-to-go-</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/flaherty-rules-out-mortgage-rule-tightening</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/do-you-need-life-insurance</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-home-building-steams-ahead</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/beware-the-housing-wealth-effect</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/six-questions-you-should-ask-before-adding-more-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/where-are-canadian-interest-rates-heading</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/watchdog-sends-early-warning-on-lending</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-housing-market-slows-others-stumble-bank</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/11-money-saving-winterizing-things-to-do-now</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/5-economic-trends-that-are-affecting-you</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/inflation-heats-up-in-august</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/wholesale-trade-bounces-back-in-july</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-debt-levels-no-cause-for-alarm-economist-says</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/house-prices-will-remain-stable-through-2011-then-rise-in-2012-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/gta-home-prices-hit-new-high</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/our-banks-champions-of-prudence</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-are-hooked-on-cheap-money</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-20-somethings-need-life-insurance</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-building-slows-in-august</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-growth-will-slow-to-24-rbc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-region-loses-100-jobs-in-august</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-overnight-rate-target-at-1-per-cent3</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-says-stimulus-to-remain-as-global-economy-falters</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/locked-and-loaded-with-the-bear</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/12-ways-to-burglar-proof-your-house</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/whats-the-best-mortgage-fixed-or-variable</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/borrowing-canadians-give-banks-a-boost</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/economy-contracts-for-first-time-since-recession</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-home-buyers-might-try-a-mortgage-broker</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-refinancing-drops-under-new-rules-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/growing-old-at-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-crash-not-in-the-cards-cmhc-signals</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/familiar-things-and-family-routines-can-help-kids-settle-into-a-new-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/banks-move-to-bump-up-mortgage-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/17-things-to-know-about-closing-your-house-deal</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-housing-at-affordability-limit-rbc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/get-your-moneys-worth-from-energy-saving-bulbs</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/eager-buyers-keep-housing-market-hot</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/crea-raises-2011-home-sales-forecast</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-market-to-grow-on-bargains-analysts</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-prices-expected-to-show-dip-in-july</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/market-chaos-could-help-housing-sector</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/got-a-secure-job-and-lots-of-debt-rejoice</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-rates-could-fall-on-market-slump</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/fed-keeps-us-interest-rate-at-record-low</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-economy-faces-slowdown-analysts</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/apartment-construction-drops-in-july-pushing-down-ottawa-housing-starts</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-starts-better-than-expected-in-july</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/gold-storms-to-record-1715</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/beware-the-pitfals-of-collateral-mortgages</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/job-growth-trails-expectations-in-july</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgage-controversy</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-housing-market-warms-up-in-july</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/avoid-your-own-personal-debt-ceiling</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-becoming-a-landlord-can-pay-off</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/dream-big-but-have-a-contingency-plan</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/moodys-renews-canadas-triple-a-credit-rating</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ontario-forges-stimulus-plan-to-boost-financial-literacy-in-teens</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rbc-lobbying-for-higher-interest-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-debt-crisis-and-its-potential-fallout</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/team-triumph</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/5-ways-to-spruce-up-your-small-space-for-summer-entertaining</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rent-control-hurts-everyone-in-the-long-run-don-campbell</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/man-claims-ownership-of-300000-texas-house-after-paying-just-16</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/loonie-hits-highest-level-since-recession</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/need-motivation-for-cutting-debt-look-stateside</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-overnight-rate-target-at-1-per-cent2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/would-you-like-a-green-mortgage-with-that</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadas-housing-market-on-solid-footing-crea</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/boc-rate-hike-unlikely-soon</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-starts-bode-well-for-growth-in-second-half</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/boomers-not-delivering-on-their-new-years-savings-resolutions</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/five-costly-reno-mistakes-to-avoid</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/are-you-looking-for-a-contractor</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/weak-us-june-jobs-report-shocker</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/despite-jobs-disappointment-buffett-still-doesnt-expect-double-dip</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/average-house-prices-a-misleading-gauge-of-the-health-of-the-canadian-real-estate-market-cibc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/banks-competing-fiercely-for-borrowers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/buy-sell-should-canadians-buy-into-real-estate-or-not</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/new-home-sales-slide</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/dont-be-afraid-to-leave-your-bank-for-a-better-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/data-firm-pinpoints-housing-bubble</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/outdoor-water-ban-lifted-in-barrhaven-and-riverside-south</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/city-opens-the-taps-for-barrhaven-riverside-south-and-manotick-water-ban-ends</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-is-life-insurance-a-taboo-topic-for-women</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/when-it-comes-to-a-financial-plan-size-doesnt-matter</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-aim-to-pay-mortgages-sooner</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-budgeting-for-rate-hike-cmhc</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/desperation-a-factor-in-housing-market</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/no-need-to-tighten-mortgage-rules-further-flaherty</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/boxed-in-by-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/renovated-house-becomes-home-for-second-habitat-family</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/beware-of-the-power-in-any-power-of-attorney</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/carney-warns-on-housing-markets</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-have-nots-in-greater-peril-from-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-spending-more-to-save-is-a-dumb-idea</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/ottawa-leads-in-new-home-price-increases</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/five-ways-to-save-on-real-estate-fees</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/top-8-house-hunting-mistakes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-starts-advance-in-may</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/still-too-many-without-jobs-flaherty</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/5-factors-that-impact-the-value-of-your-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/building-permits-drop-in-april-after-particularly-strong-march-statscan</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/couple-saves-thousands-by-selling-their-own-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-banks-drop-mortgage-rates-for-second-time-in-a-week</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/five-myths-about-homeowners-insurance</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bleak-us-jobs-report-underlines-economic-malaise</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/is-buying-a-student-condo-for-my-child-a-good-investment</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/on-average-we-owe-26000-excluding-mortgages</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-big-picture</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/double-dip-in-housing-prices-even-worse-than-expected</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-new-ways-thieves-are-stealing-your-identity</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/housing-starts-to-dip-from-2010</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/5-things-to-ask-when-buying-a-cottage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-economy-grows-39-in-first-quarter</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-best-deal-in-real-estate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-maintains-overnight-rate-target-at-1-per-cent</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/comparison-shopping-for-mortgages-is-key-to-getting-best-rate</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-load-up-on-mortgages-cut-card-debt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-to-score-the-perfect-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-equity-considered-forced-savings-for-young-people</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/five-reasons-to-save-for-a-big-mortgage-down-payment</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/your-marriage-is-over-now-what</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/buying-your-home-what-can-you-afford</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/crea-unveils-blackberry-app-for-home-buyers</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-home-sales-edge-down-in-april</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canada-a-land-of-millionaires</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/landscaping-on-a-budget</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/five-steps-to-scoring-a-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/flaherty-vows-no-new-rules-on-mortgages</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/gas-prices-jump-at-ontario-quebec-pumps</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/why-gas-prices-keep-rising-even-when-crude-falls</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/strong-housing-forecast-for-canada-data</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/the-five-fastest-ways-to-save-for-a-down-payment</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-unemployment-rate-slips-to-76-per-cent-as-april-brings-58300-job-gain</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/mortgages-changes-you-need-to-know</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/buying-a-home-as-a-couple-what-changes-what-doesnt</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/spring-homebuyers-facing-possible-bidding-wars-bmo-poll-suggests</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/green-renos-are-good-for-the-environment-and-your-wallet</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tips-for-dealing-with-a-renovations-contractor</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/tips-for-spring-home-buying</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/safe-as-houses-that-loud-knocking-is-falling-prices</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/easing-the-tax-hit-for-investment-property-owners</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-statscan-determines-shelter-costs</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/inflation-hotter-than-expected</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/pricey-property-surge-drives-average-up</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/in-toronto-house-hunt-bully-offers-are-losing-their-bite</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-prices-to-creep-up-this-year</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-lessons-from-fannie-and-freddie</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/first-time-home-buyers-boost-housing-market-this-year</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/under-35s-most-intent-on-buying-homes</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/should-you-spread-your-financial-activities-around</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/so-long-dark-clouds</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/experts-best-at-brokering-mortgage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/obsi-issues-list-of-most-common-fraud-and-scam-complaints</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/weak-us-housing-market-should-allow-canadian-banks-to-win-market-share</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/as-prices-doubled-in-decade-housing-was-hard-to-beat</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/harper-promises-tax-cut-for-families-but-not-until-2015-16</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/renovators-council-chair-favours-renewing-reno-tax-credit</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/thank-you-mortgage-brokers-ottawa</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/renovating-your-home</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-buying-help-in-your-pocket</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/economy-pours-tax-dollars-into-rosy-budget-blueprint</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/get-ready-for-a-mixed-bag-of-good-and-bad-policy</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-maintenance</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/japanese-disaster-wont-plunge-global-economy-back-into-recession-economists</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-economic-growth-will-pick-up-despite-crisis-in-japan</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/web-site-database-developer2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadians-net-worth-hits-record-level</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/royal-bank-cuts-mortgage-rates</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/job-gain-hopes-dashed-in-february</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/homeowners-confident-survey-suggests</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/reno-coach-keeps-projects-in-the-ballpark</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-sales-this-year-to-hover-near-10-year-average</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/home-sales-this-year-to-hover-near-10-year-average2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/sneaky-ways-to-get-better-gas-mileage</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/sneaky-ways-to-get-better-gas-mileage2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/rbc-td-results-sign-of-strengthening-economy</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-keeps-short-term-rates-low</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/bank-of-canada-keeps-short-term-rates-low2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/loonie-soars-to-new-high</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/loonie-soars-to-three-year-high</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/loonie-soars-to-three-year-high2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-homeownership-costs-ease</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/canadian-homeownership-costs-at-ease</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/stock-market-and-housing-up-as-leading-index-rises</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/stock-market-and-housing-up-as-leading-index-rises2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/us-home-prices-hit-post-bust-lows</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/us-home-prices-hit-post-bust-lows2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/house-prices-to-match-inflation</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/house-prices-to-match-inflation2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/steadier-housing-market-seen-ahead</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/steadier-housing-market-seen-ahead2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/commercial-real-estate-booming-again-now-what</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/commercial-real-estate-booming-again-now-what2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/duking-out-home-prices</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/duking-out-home-prices2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-being-cheap-will-leave-you-broke</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/how-being-cheap-will-leave-you-broke2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/2011-housing-drop-seen-less-severe</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/news-and-events/news/2011-housing-drop-seen-less-severe2</loc>
    
    <lastmod>2026-11-09T15:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/jennifer-anderson</loc>
    
    <lastmod>2026-10-02T16:37:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/lynn-clare</loc>
    
    <lastmod>2026-10-28T14:59:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/tony-cook</loc>
    
    <lastmod>2026-10-23T10:20:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/zach-crosby</loc>
    
    <lastmod>2026-10-23T10:22:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/luca-guercio</loc>
    
    <lastmod>2026-11-02T22:21:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/virginia-hyde</loc>
    
    <lastmod>2026-10-02T16:48:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/cathy-macdonald</loc>
    
    <lastmod>2026-10-27T10:39:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/sharron-mulvey-2</loc>
    
    <lastmod>2026-11-09T14:56:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/stefano-napolitano</loc>
    
    <lastmod>2026-10-28T15:04:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/jeanette-oliver</loc>
    
    <lastmod>2026-10-23T10:14:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/colin-post</loc>
    
    <lastmod>2026-10-02T16:05:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/stefano-provenzano</loc>
    
    <lastmod>2026-10-23T10:19:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/sean-reid</loc>
    
    <lastmod>2026-10-23T10:19:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/jason-rolston</loc>
    
    <lastmod>2026-10-23T10:14:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/lama-sayed-ali</loc>
    
    <lastmod>2026-10-02T16:41:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://cathymacdonald.com/brokers/karen-youngs</loc>
    
    <lastmod>2026-10-23T10:16:08+00:00</lastmod>
  </url>
</urlset>
