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	<url>
		<loc>https://capital-express.ca/blog/debt-and-inflation-hit-canadian-holiday-budgets-neo/</loc>
		<lastmod>2024-12-19T13:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/canadian-homebuyers-split-over-impact-of-mortgage-rate-changes/</loc>
		<lastmod>2024-12-19T13:36:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/bmo-reverses-course-reinstates-osfis-stress-test-for-uninsured-mortgage-switches/</loc>
		<lastmod>2024-12-20T02:33:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/canadian-prime-minister-overhauls-cabinet-today/</loc>
		<lastmod>2024-12-20T13:24:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/housing-cost-increase-could-push-canadians-to-the-brink/</loc>
		<lastmod>2024-12-20T13:22:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/happy-holidays-from-canadian-mortgage-professional/</loc>
		<lastmod>2024-12-20T13:19:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/canada-financially-ready-to-handle-us-tariff-threat-says-finance-minister/</loc>
		<lastmod>2024-12-20T13:17:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/goeasy-to-repurchase-1-3-million-shares-in-2025/</loc>
		<lastmod>2024-12-20T13:10:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/exclusive-7-in-10-mortgage-holders-anxious-about-upcoming-renewal-mpc-survey-reveals/</loc>
		<lastmod>2024-12-20T17:10:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/home-affordability-improves-but-still-challenging-for-many-canadians-rbc-report/</loc>
		<lastmod>2024-12-21T15:36:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/national-banks-acquisition-of-canadian-western-bank-receives-final-approval/</loc>
		<lastmod>2024-12-21T16:32:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/workers-helping-the-homeless-in-montreal-feel-powerless-as-crisis-deepens/</loc>
		<lastmod>2024-12-22T16:57:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/thinking-of-gifting-a-down-payment-this-holiday-season-heres-what-you-should-know/</loc>
		<lastmod>2024-12-22T17:37:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/statistics-canada-reports-real-gdp-grew-0-3-in-october/</loc>
		<lastmod>2024-12-23T14:50:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/bank-of-canada-deliberations-reveal-close-call-on-50-bps-rate-cut/</loc>
		<lastmod>2024-12-24T17:49:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/a-first-home-savings-account-should-be-on-every-first-time-buyers-holiday-wish-list/</loc>
		<lastmod>2024-12-24T22:31:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/mortgage-relief-programs-for-canadian-homeowners/</loc>
		<lastmod>2024-12-22T05:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/nows-the-time-as-canada-ramps-up-housing-advocates-urge-more-accessible-builds/</loc>
		<lastmod>2024-12-27T16:10:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/failure-is-not-an-option-fire-torn-jasper-entering-new-year-with-hope-and-anxiety/</loc>
		<lastmod>2024-12-27T16:06:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/unwanted-gift-card-in-your-stocking-dont-let-it-go-to-waste/</loc>
		<lastmod>2024-12-27T16:04:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/a-by-the-numbers-look-back-at-canadian-finance-in-2024/</loc>
		<lastmod>2024-12-29T16:27:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/paying-down-debt-top-financial-priority-for-canadians-in-2025-cibc-poll/</loc>
		<lastmod>2024-12-30T15:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/housing-and-interest-rate-forecasts-for-2025/</loc>
		<lastmod>2024-12-30T18:00:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/housing-market-poised-for-2025-comeback-as-lower-rates-unleash-pent-up-demand/</loc>
		<lastmod>2024-12-31T14:51:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/2024-mortgage-market-year-in-review/</loc>
		<lastmod>2024-12-31T17:27:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/b-c-ringing-in-new-year-with-home-flipping-tax-with-income-tax-rebate-on-the-way/</loc>
		<lastmod>2025-01-01T16:23:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/new-year-new-budget-a-step-by-step-guide-on-how-to-refresh-your-finances/</loc>
		<lastmod>2025-01-01T15:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/balancing-business-and-life-new-years-resolutions-for-mortgage-brokers/</loc>
		<lastmod>2025-01-03T02:03:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/canadian-housing-market-set-for-strong-rebound-in-2025-analysts/</loc>
		<lastmod>2025-01-03T14:18:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/advocates-call-for-accessibility-in-canadas-housing/</loc>
		<lastmod>2025-01-03T14:14:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/redefining-retirement-how-older-canadians-are-changing-the-game/</loc>
		<lastmod>2025-01-03T14:10:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/eqb-inc-renews-and-expands-share-repurchase-program/</loc>
		<lastmod>2025-01-03T14:04:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/b-c-property-values-flat-across-most-of-province-but-affordability-remains-elusive/</loc>
		<lastmod>2025-01-03T15:35:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/calgary-home-sales-down-in-december-but-still-above-long-term-trends-board/</loc>
		<lastmod>2025-01-03T15:31:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/new-year-better-mortgage-rates-credit-tips-to-get-you-there/</loc>
		<lastmod>2025-01-03T17:19:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/uptick-in-vancouver-home-sales-last-month-caps-pivot-year-for-market-board/</loc>
		<lastmod>2025-01-04T17:06:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/vancouver-home-sales-rebound-in-december/</loc>
		<lastmod>2025-01-06T13:16:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/prince-albert-maintains-highest-vacancy-rate-among-saskatchewan-cities/</loc>
		<lastmod>2025-01-06T13:12:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/tsx-poised-for-gains-in-year-ahead-but-risks-remain/</loc>
		<lastmod>2025-01-06T13:09:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/navigating-lender-broker-relationships/</loc>
		<lastmod>2025-01-06T13:04:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/how-to-become-a-mortgage-broker-in-new-brunswick/</loc>
		<lastmod>2025-01-06T05:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/how-to-become-a-mortgage-broker-in-nova-scotia/</loc>
		<lastmod>2025-01-06T05:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/mortgage-affordability-gap-widens/</loc>
		<lastmod>2025-01-06T13:21:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/trudeau-announces-resignation/</loc>
		<lastmod>2025-01-06T16:28:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/pre-construction-purchases-beware-of-closing-day-surprises/</loc>
		<lastmod>2025-01-06T16:57:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/greater-toronto-home-sales-dip-in-december-to-cap-transitionary-2024-board/</loc>
		<lastmod>2025-01-07T14:19:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/rental-strain-continues-to-weigh-on-aspiring-homebuyers/</loc>
		<lastmod>2025-01-07T14:05:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/trudeaus-resignation-sparks-economic-uncertainty-in-canada/</loc>
		<lastmod>2025-01-07T14:03:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/rbc-slower-growth-to-be-the-new-normal-in-coming-years/</loc>
		<lastmod>2025-01-07T13:50:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/experts-are-betting-on-purpose-built-rentals-in-2025/</loc>
		<lastmod>2025-01-07T13:45:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/glasslake-funding-unveils-new-rewards-program-for-brokers/</loc>
		<lastmod>2025-01-07T13:42:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/justin-trudeau-resignation-is-he-to-blame-for-canadas-housing-crisis/</loc>
		<lastmod>2025-01-07T16:29:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/bank-ceos-see-mortgage-risk-easing-as-attention-turns-to-political-uncertainty/</loc>
		<lastmod>2025-01-07T17:08:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/is-canadas-real-estate-market-about-to-pick-up/</loc>
		<lastmod>2025-01-08T12:57:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/mortgage-risks-easing-but-bank-ceos-cautious-amid-political-chaos/</loc>
		<lastmod>2025-01-08T06:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/gta-home-sales-dip-to-close-2024/</loc>
		<lastmod>2025-01-08T05:20:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/trump-eyes-canada-merger-trudeau-says-no/</loc>
		<lastmod>2025-01-08T05:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/home-trust-fairstone-merger-completes/</loc>
		<lastmod>2025-01-08T14:22:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/pwc-holds-prompting-parties-to-help-employees-use-ai-at-work-report/</loc>
		<lastmod>2025-01-08T16:49:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/montreal-home-sales-surge-54-in-december-as-market-momentum-builds/</loc>
		<lastmod>2025-01-08T18:52:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/saskatchewan-town-sees-flurry-of-construction-with-30k-housing-cheque-program/</loc>
		<lastmod>2025-01-08T20:32:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/u-s-fed-minutes-signal-cautious-approach-to-rate-cuts-january-pause-likely/</loc>
		<lastmod>2025-01-08T23:32:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/how-to-become-a-mortgage-broker-in-montreal/</loc>
		<lastmod>2025-01-08T20:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/how-to-become-a-mortgage-broker-in-quebec/</loc>
		<lastmod>2025-01-08T20:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/could-trumps-threats-sabotage-canadas-housing-market-in-2025/</loc>
		<lastmod>2025-01-09T13:27:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/can-rate-cuts-save-the-canadian-economy/</loc>
		<lastmod>2025-01-09T13:22:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/canadians-face-financial-pressures-despite-interest-rate-cuts/</loc>
		<lastmod>2025-01-09T13:20:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/gta-luxury-housing-market-surges/</loc>
		<lastmod>2025-01-09T13:18:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/metro-vancouver-eyes-relief-to-spur-affordable-rental-development/</loc>
		<lastmod>2025-01-09T13:16:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/what-2025-trends-should-brokers-focus-on/</loc>
		<lastmod>2025-01-09T13:57:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/average-rents-across-canada-fall-to-lowest-level-in-over-a-year/</loc>
		<lastmod>2025-01-09T21:56:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/fairstone-bank-and-home-trust-finalize-merger/</loc>
		<lastmod>2025-01-10T00:39:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/is-mark-carney-fit-to-be-pm-and-turn-tide-on-canadas-housing-crisis/</loc>
		<lastmod>2025-01-10T13:44:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/toronto-housing-market-could-become-canadas-priciest-in-2025-expert-says/</loc>
		<lastmod>2025-01-10T13:41:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/report-predicts-average-canada-condo-price-could-reach-1m/</loc>
		<lastmod>2025-01-10T13:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/average-asking-rents-in-canada-drop-to-17-month-low-report-finds/</loc>
		<lastmod>2025-01-10T13:35:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/zown-announces-new-products-and-partnership/</loc>
		<lastmod>2025-01-10T13:32:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/strong-job-growth-in-december-raises-doubts-about-january-rate-cut/</loc>
		<lastmod>2025-01-10T15:10:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/hotter-than-expected-labour-market-casts-doubt-on-january-boc-cut/</loc>
		<lastmod>2025-01-10T14:58:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/canadas-home-renovation-costs-are-still-climbing-but-the-pace-is-slowing/</loc>
		<lastmod>2025-01-11T18:03:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/bmo-and-crg-forge-1bn-partnership/</loc>
		<lastmod>2025-01-13T13:27:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/is-a-condo-crash-coming-to-toronto/</loc>
		<lastmod>2025-01-13T13:41:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/is-a-boc-rate-cut-now-off-the-table-after-latest-jobs-figures/</loc>
		<lastmod>2025-01-13T13:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/economists-urge-resilience-as-trump-targets-canada/</loc>
		<lastmod>2025-01-13T13:34:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/financial-woes-plague-developer-thind-properties/</loc>
		<lastmod>2025-01-13T13:32:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/strong-finish-for-ottawas-real-estate-market-in-2024/</loc>
		<lastmod>2025-01-13T15:59:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/planned-toronto-budget-includes-5-4-property-tax-spike/</loc>
		<lastmod>2025-01-13T17:03:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/60-of-canadian-mortgage-renewals-to-face-higher-rates-by-2026-boc/</loc>
		<lastmod>2025-01-13T17:44:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/torontos-proposed-2025-budget-includes-6-9-per-cent-property-tax-increase/</loc>
		<lastmod>2025-01-13T18:39:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/canada-housing-crisis-what-will-change-under-trudeaus-successor/</loc>
		<lastmod>2025-01-14T07:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/court-orders-real-estate-agent-to-forfeit-profits-after-underhanded-deal/</loc>
		<lastmod>2025-01-14T06:20:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/bmo-pays-40m-usd-to-settle-bond-misrepresentation-claims/</loc>
		<lastmod>2025-01-14T06:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/financial-stress-grows-for-canadians-despite-lower-interest-rates-report/</loc>
		<lastmod>2025-01-14T05:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/home-insurance-premiums-set-to-surge-across-canada/</loc>
		<lastmod>2025-01-14T05:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/the-manitoba-government-is-buying-properties-as-part-of-homelessness-plan/</loc>
		<lastmod>2025-01-14T18:29:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/bank-of-canada-rate-hikes-in-2026-national-bank-thinks-so/</loc>
		<lastmod>2025-01-15T00:26:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://capital-express.ca/blog/how-to-become-a-mortgage-broker-in-winnipeg/</loc>
		<lastmod>2025-01-14T05:00:00+00:00</lastmod>
	</url>
	<url>
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