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  <!-- Main Pages -->
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    <loc>https://keysavings.ca/</loc>
    <lastmod>2025-11-01</lastmod>
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    <lastmod>2025-11-01</lastmod>
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  <url>
    <loc>https://keysavings.ca/sell</loc>
    <lastmod>2025-11-01</lastmod>
    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://keysavings.ca/combo</loc>
    <lastmod>2025-11-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://keysavings.ca/calculator</loc>
    <lastmod>2025-11-01</lastmod>
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  <url>
    <loc>https://keysavings.ca/how-it-works</loc>
    <lastmod>2025-11-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://keysavings.ca/compare/zown-vs-wahi-vs-us</loc>
    <lastmod>2025-11-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Blog Section -->
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    <loc>https://keysavings.ca/blog</loc>
    <lastmod>2025-11-01</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.85</priority>
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  <!-- Blog Posts -->
  <url>
    <loc>https://keysavings.ca/blog/5-common-myths-about-realtor-cashbacks</loc>
    <lastmod>2025-01-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://keysavings.ca/blog/how-to-choose-a-cashback-realtor-ontario</loc>
    <lastmod>2025-01-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://keysavings.ca/blog/cashback-vs-discount-realtors</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
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  <url>
    <loc>https://keysavings.ca/blog/why-1-percent-commission-is-fair</loc>
    <lastmod>2025-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://keysavings.ca/blog/first-time-homebuyer-cashback-guide</loc>
    <lastmod>2025-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  
  <!-- Contact & Forms -->
  <url>
    <loc>https://keysavings.ca/contact</loc>
    <lastmod>2025-11-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://keysavings.ca/start</loc>
    <lastmod>2025-11-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Legal Pages -->
  <url>
    <loc>https://keysavings.ca/privacy</loc>
    <lastmod>2025-11-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://keysavings.ca/terms</loc>
    <lastmod>2025-11-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://keysavings.ca/disclosures</loc>
    <lastmod>2025-11-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
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