<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
  
  <!-- ========================================== -->
  <!-- HOMEPAGE - Highest Priority -->
  <!-- ========================================== -->
  <url>
    <loc>https://mortgageie.com/</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en-ie" href="https://mortgageie.com/"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://mortgageie.com/"/>
    <image:image>
      <image:loc>https://mortgageie.com/og-image.png</image:loc>
      <image:title>MortgageIE - Ireland's Smartest Mortgage Calculator</image:title>
    </image:image>
  </url>
  
  <!-- ========================================== -->
  <!-- CALCULATOR HUB & MAIN CALCULATORS -->
  <!-- ========================================== -->
  <url>
    <loc>https://mortgageie.com/calculators</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/mortgage-calculator</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- First-Time Buyer Calculator - Primary & SEO Aliases -->
  <url>
    <loc>https://mortgageie.com/calculator/first-time</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/first-time-buyer</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/first-time-buyer-calculator</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  
  <!-- Home Mover Calculator - Primary & SEO Aliases -->
  <url>
    <loc>https://mortgageie.com/calculator/mover</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/home-mover-calculator</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/moving-house-calculator</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Mortgage Switcher Calculator - Primary & SEO Aliases -->
  <url>
    <loc>https://mortgageie.com/calculator/switcher</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/mortgage-switcher</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/remortgage-calculator</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Buy-to-Let Calculator - Primary & SEO Aliases -->
  <url>
    <loc>https://mortgageie.com/calculator/buy-to-let</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/buy-to-let-calculator</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/btl-calculator</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  
  <!-- ========================================== -->
  <!-- TOOLS & RESOURCES -->
  <!-- ========================================== -->
  <url>
    <loc>https://mortgageie.com/compare-rates</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/find-broker</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/savings-tracker</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/glossary</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/insights</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- ========================================== -->
  <!-- GOVERNMENT SCHEMES HUB -->
  <!-- ========================================== -->
  <url>
    <loc>https://mortgageie.com/schemes</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/government-schemes</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Scheme Eligibility Quiz -->
  <url>
    <loc>https://mortgageie.com/schemes/eligibility-quiz</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  
  <!-- Property Price Checker -->
  <url>
    <loc>https://mortgageie.com/schemes/property-price-checker</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Help to Buy -->
  <url>
    <loc>https://mortgageie.com/schemes/help-to-buy</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- First Home Scheme - Primary & Alias -->
  <url>
    <loc>https://mortgageie.com/schemes/first-home</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/schemes/first-home-scheme</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  
  <!-- Local Authority Loan -->
  <url>
    <loc>https://mortgageie.com/schemes/local-authority</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/schemes/local-authority-providers</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  
  <!-- Rebuilding Ireland -->
  <url>
    <loc>https://mortgageie.com/schemes/rebuilding-ireland</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  
  <!-- ========================================== -->
  <!-- COUNCIL PAGES - All 6 -->
  <!-- ========================================== -->
  <url>
    <loc>https://mortgageie.com/schemes/councils/dublin-city</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/schemes/councils/fingal</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/schemes/councils/south-dublin</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/schemes/councils/cork-city</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/schemes/councils/galway-city</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/schemes/councils/kildare</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- ========================================== -->
  <!-- SERVICES HUB & ALL SERVICE PAGES -->
  <!-- ========================================== -->
  <url>
    <loc>https://mortgageie.com/services</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/services/solicitors</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/services/home-insurance</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/services/mortgage-protection</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/services/surveyors</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/services/moving</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/services/home-improvement-loans</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/services/energy-upgrades</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/services/utilities</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.55</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/services/furniture</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.55</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/services/landlord-insurance</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/services/property-management</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <!-- ========================================== -->
  <!-- ABOUT & CONTENT PAGES -->
  <!-- ========================================== -->
  <url>
    <loc>https://mortgageie.com/about</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/contact</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.55</priority>
  </url>
  
  <!-- Partner Registration -->
  <url>
    <loc>https://mortgageie.com/partner-register</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  
  <!-- ========================================== -->
  <!-- LEGAL PAGES -->
  <!-- ========================================== -->
  <url>
    <loc>https://mortgageie.com/terms</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/privacy</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/disclaimer</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mortgageie.com/cookies</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>