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  <!-- Core pages -->
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/about</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/contact</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Main service pages -->
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/buy-to-let</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/hmo-mortgages</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/multi-unit-finance</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/bridging-finance</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/commercial</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/expat-non-residents</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/refinance-strategy</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- BTL sub-pages -->
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/buy-to-let/first-time-landlords</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/buy-to-let/portfolio-landlords</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/buy-to-let/limited-company</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/buy-to-let/complex-cases</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/buy-to-let/low-income-affordability</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/buy-to-let/visa-non-resident</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- HMO sub-pages -->
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/hmo-mortgages/first-time</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.78</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/hmo-mortgages/limited-company</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.78</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/hmo-mortgages/large-hmo</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.78</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/services/hmo-mortgages/conversion</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.78</priority>
  </url>

  <!-- Calculators -->
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/calculators/stamp-duty</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/calculators/btl-affordability</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/terms</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.monetapropertyfinance.co.uk/privacy</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

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