<?xml version="1.0" encoding="UTF-8"?>
<urlset
      xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
      xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
      xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
            http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">
<!-- created with Free Online Sitemap Generator www.xml-sitemaps.com -->


<url>
  <loc>https://www.dougneufeld.com/</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>1.00</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/about</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/testimonials</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/why-use-a-mortgage-broker</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/careers</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages-pre-approval</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages-first-time-home-buyers</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages-selfemployed</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages-new-to-canada</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages-investment-properties</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages-debt-consolidation</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages-renewals</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages-refinancing</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages-homeequity-renovations</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages-credit-repair</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages-vacation-homes</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/rates</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/blog</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgage-calculators</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/faqs</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/glossary</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/links-of-interest</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/video</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/contact</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgage-application</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgage-services</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/privacy</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/sitemap</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.80</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/blog/post/95/should-you-spend-the-full-mortgage-amount-youre-approved-for</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/blog/post/94/take-advantage-of-low-interest-rates-%E2%80%93-refinance-your-mortgage-today</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/blog/post/102/strategies-to-dig-yourself-out-of-the-debt-hole</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/blog/post/86/why-you-need-an-emergency-fund-and-how-to-get-one</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/blog/post/97/the-benefits-of-investing-in-income-producing-properties</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/blog/post/119/4-hidden-problems-that-could-be-hurting-your-home-sale</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/blog/category/26/financing</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/blog/category/19/mortgages</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/blog/category/34/real-estate</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3890/bank-of-canada-keeps-rates-at-1.75-trims-2020-economic-forecast</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3885/canadian-homebuyers-should-not-expect-interest-rates-to-rise-until-late-2021</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3880/bank-of-canada-holds-rates-steady-citing-intact-global-recovery</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3874/chmc-reports-annual-pace-of-housing-starts-slowed-to-201973-in-october</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3871/bank-of-canada-rate-update-oct-2019</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3860/cibc-reorienting-canadian-mortgage-strategy-to-focus-on-more-markets-ceo</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3839/how-does-the-latest-canadian-housing-downturn-compare-to-past-crashes</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3835/bank-of-canada-rate-announcement-july2019</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3831/is-canadas-first-time-home-buyer-incentive-a-bridge-to-nowhere</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3830/tough-canadian-mortgage-rules-are-slowing-an-out-of-control-household-debt-problem</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3828/why-canadas-mortgage-regulator-thinks-the-stress-tests-are-working</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3824/bank-of-canada-rate-update-may-2019</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3822/home-reno-debt-consolidation-tapping-your-home-equity-is-getting-harder</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3819/interest-only-mortgages-have-come-to-canada-but-do-we-really-need-this-innovation</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3815/self-employed-increasingly-turning-to-private-lenders-for-mortgages</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/category/10</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3888/as-supply-dwindles-gta-home-prices-cap-off-2019-with-a-price-jump</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3886/average-price-for-a-home-sold-in-november-was-about-529k</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3883/home-sales-prices-rise-11.3-in-november-from-year-ago-mark-crea</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3882/canadian-home-building-set-for-strong-2020-as-market-roars-back-to-life</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3881/pace-of-housing-starts-edges-up-on-strength-in-b.c.-alberta</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3877/a-survey-from-cmhc-suggests-the-road-to-homeownership-is-a-long-one-for-some-canadians</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3873/toronto-home-prices-rise-in-october-as-listings-plunge-18.8</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3868/canadas-housing-market-will-keep-rallying-through-first-half-of-2020</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3865/homes-are-being-built-at-a-relentless-pace-in-canada---heres-why-its-still-not-enough</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3864/canadas-housing-market-is-roaring-back-with-black-tie-condo-launches</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3863/5-things-that-could-potentially-void-your-home-insurance</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3859/these-may-be-canadas-most-in-demand-housing-markets-right-now</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3858/this-major-forecast-for-the-canadian-housing-market-just-got-a-lot-better</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3856/b.c.-home-sales-continue-to-recover-says-industry-association-after-august-bump</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3855/housing-starts-climbed-1.9-in-august-cmhc</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/category/11</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3891/4-things-you-need-to-know-before-you-file-your-taxes-this-year</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3889/what-is-a-tfsa-for-it-can-help-your-kids-be-student-debt-free</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3887/4-financial-resolutions-to-really-get-a-handle-on-your-money-in-2020</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3884/canadian-inflation-accelerates-to-2.2-core-highest-in-a-decade</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3879/the-way-out-for-a-world-economy-hooked-on-debt-more-debt</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3878/surging-home-prices-mean-canadians-will-have-more-spending-money-in-2020</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3876/bank-of-canada-governor-says-technological-change-may-call-for-neutral-policy</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3875/canadian-dollar-hits-one-month-low-as-trade-deal-doubts-weigh</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3872/cant-afford-a-financial-plan-you-can-get-a-money-check-up</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3870/canadian-interest-rates-may-lower-in-2020</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3869/tips-that-can-make-your-house-warmer-this-winter</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3867/12-tips-to-save-money-on-your-next-grocery-bill</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3866/canadas-inflation-rate-steady-at-1.9-in-september</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3862/need-tips-on-how-to-have-the-money-conversation-with-your-kids</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3861/whats-the-best-way-to-generate-cash-from-your-investments-in-retirement</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/category/12</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgage-process</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages-home-purchases</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/agents</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/thank_you</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/mortgages_homeequity_renovations</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3813/canadians-are-turning-to-riskier-lenders-because-of-the-mortgage-stress-test</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3812/mortgage-stress-test-accounts-for-up-to-15b-drop-in-new-mortgages-in-2018-cibc</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3804/homebuyers-to-get-new-mortgage-incentive-home-buyers-plan-boost-under-2019-budget</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3801/central-bank-predicts-longer-slump-and-more-uncertainty-about-future-rate-hikes</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3800/bank-of-canada-rate-update</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3798/millennial-families-are-keeping-their-homeownership-dreams-alive-in-pricey-canadian-cities</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3792/debt-is-keeping-one-in-five-canadians-from-buying-a-home</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3789/rbc-cuts-5-year-fixed-mortgage-rate-other-banks-expected-to-follow</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3786/bank-of-canada-update</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3784/expert-answers-to-9-common-homebuyer-questions-about-closing-costs</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3782/these-were-the-biggest-canadian-housing-market-headlines-of-2018</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3781/heres-maybe-why-canadas-appetite-for-mortgage-debt-doesnt-signal-another-housing-crash</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3778/canadian-home-sales-fall-for-a-3rd-month-new-listings-also-down-crea</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3774/bank-of-canada-rate-announcement</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3773/why-canadians-really-need-to-change-lenders-at-mortgage-renewal-time-especially-now</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3759/major-banks-raise-prime-rates-after-bank-of-canada-interest-rate-decision</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3758/bank-of-canada-increases-overnight</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3757/locking-in-your-mortgage-could-save-you-money-but-it-depends-on-your-plans</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3756/what-you-need-to-know-about-how-higher-rates-affect-canadas-banks</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3755/canadian-firms-expect-to-ramp-up-investment-bank-of-canada-survey</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3754/why-a-bank-of-canada-interest-rate-hike-for-october-just-got-a-lot-more-likely</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3751/what-you-probably-dont-know-about-renewing-your-mortgage</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3748/new-mortgages-up-63-among-canadians-aged-73-93</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3746/to-rent-or-own---that-is-the-question</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3733/a-lacklustre-housing-market-isnt-holding-back-canadas-economy</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3852/one-of-canadas-weaker-housing-markets-is-moving-towards-balance</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3848/canadas-vacant-home-rate-is-5-times-higher-than-u.s.-and-rising</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3846/canadian-home-affordability-sees-biggest-improvement-in-a-decade</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3844/housing-rebound-helps-drive-canadian-consumer-sentiment-higher</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3842/despite-stricter-policies-canadas-housing-market-may-still-be-a-bubble-risk</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3840/according-to-a-recent-study-by-hsbc-canadian-millennials-dating-is-not-the-first-priority</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3836/housing-data-reveals-growing-divergence-between-eastern-and-western-canada</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3834/average-price-of-a-hamilton-burlington-home-just-shy-of-594000-report</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3832/canadian-housing-market-poll-finds-2/3-are-concerned-with-where-things-are-headed</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3829/expect-canadas-hardest-hit-housing-markets-to-stabilize-through-the-rest-of-2019</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3827/what-youll-spend-on-the-10-most-common-home-renovation-projects</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3826/metro-vancouver-home-sales-up-modestly-in-may-real-estate-board-of-greater-vancouver</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3823/homebuyers-escaping-high-housing-costs-by-relocating-to-secondary-cities</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3821/the-international-monetary-fund-warns-easing-canadas-housing-rules-would-be-ill-advised</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3820/canadian-home-sales-up-4.2-year-over-year-first-increase-since-dec.-2017</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3817/condo-launch-delays-are-hurting-vancouver-homebuyers</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3816/heres-what-the-bank-of-canada-says-is-the-real-reason-for-the-housing-slowdown</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3811/average-house-price-fell-1.8-per-cent-to-481745-crea-says</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3810/home-prices-have-been-rising-in-this-canadian-market-for-49-straight-months</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3809/56-of-canadians-would-wait-until-next-year-to-buy-a-home-survey</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3808/gta-home-sales-flat-in-march-while-prices-edge-up-and-listings-fall</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3807/looking-for-a-deal-on-a-new-home-try-these-canadian-cities-in-2019</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3806/the-canadian-housing-market-will-be-busy-this-spring---just-not-for-realtors</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3805/online-luxury-real-estate-auctions-aim-to-shake-up-sales</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3803/canadian-home-sales-fall-in-february-average-price-down-crea-updates-outlook</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3857/canadas-household-debt-to-income-ratio-down-slightly-in-second-quarter</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3854/by-the-numbers-how-to-reduce-your-debt-when-you-cant-repay</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3853/bank-of-canada-rate-announcement</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3851/no-need-for-bank-of-canada-to-cut-rates-national-bank-says</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3850/according-to-the-ipsos-poll-40-of-canadians-largely-use-tfsas-as-simple-savings-accounts</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3849/inflation-hits-bank-of-canada-2-target-for-second-straight-month</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3847/money-saving-tips</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3845/chase-bank-to-its-canadian-credit-card-holders-you-owe-no-balance</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3843/this-30-something-canadian-couple-retired-and-has-been-travelling-for-years</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3841/loonie-reaches-interesting-juncture-as-it-nears-one-month-low</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3838/big-banks-vs.big-tech-are-internet-giants-poised-to-take-over-the-financial-system</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3837/canadian-inflation-dips-to-2.0-in-june-hitting-central-bank-target</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3833/the-fiercely-criticized-first-time-home-buyer-incentive-may-be-able-to-help-you-buy-a-home</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3825/should-you-postpone-buying-a-home-to-save-for-a-larger-down-payment</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3818/personal-investor-why-owning-a-home-is-a-great-retirement-investment</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3814/how-to-battle-burnout-when-youre-saving-for-a-downpayment</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3787/canadian-insolvencies-increased-5.2-per-cent-in-november-from-prior-year-report</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3779/76-of-canadas-national-wealth-appears-to-be-wrapped-up-in-real-estate</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3770/affordable-housing-goals-hang-in-delicate-balance-bank-of-canada-deputy</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3768/how-cra-treats-you-depends-on-where-you-live-auditor-reports</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3745/personal-investor-potential-tfsa-landmine-could-be-costly</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3737/payday-loan-searches-topped-mortgage-questions-in-canada-last-year-data</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3736/canadas-unemployment-rate-drops-to-4-decade-low-at-5.8</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3734/retirement-planning-isnt-just-about-the-money</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/articles/viewarticle/3732/personal-investor-small-business-tips-for-the-summer-doldrums</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>
<url>
  <loc>https://www.dougneufeld.com/index.php/team</loc>
  <lastmod>2020-01-28T00:25:56+00:00</lastmod>
  <priority>0.51</priority>
</url>


</urlset>