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		<title>Sandra Brown Mortgages</title>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/how-home-equity-lines-of-credit-helocs-are-impacted-by-boc-rate-holds-in-2026/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/how-home-equity-lines-of-credit-helocs-are-impacted-by-boc-rate-holds-in-2026/]]></link>
			<title>How Home Equity Lines of Credit (HELOCs) Are Impacted by BoC Rate Holds in 2026</title>
			<pubDate><![CDATA[Wed, 11 Mar 2026 09:49:07 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/phase-transitions-in-debt-recycling-is-it-a-smart-move-for-canadian-homeowners/]]></guid>
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			<title>Phase Transitions in Debt Recycling: Is It a Smart Move for Canadian Homeowners?</title>
			<pubDate><![CDATA[Wed, 11 Mar 2026 09:45:12 +0000]]></pubDate>
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			<pubDate><![CDATA[Tue, 13 May 2025 14:58:27 +0000]]></pubDate>
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			<pubDate><![CDATA[Thu, 10 Apr 2025 11:03:58 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/how-to-use-your-mortgage-for-investment-a-beginners-guide/]]></guid>
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			<pubDate><![CDATA[Wed, 05 Nov 2025 12:49:44 +0000]]></pubDate>
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			<pubDate><![CDATA[Tue, 13 May 2025 14:59:52 +0000]]></pubDate>
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			<title>The Rise of Mortgage Brokers: Why More Canadians Are Choosing Them Over Banks</title>
			<pubDate><![CDATA[Tue, 02 Dec 2025 09:48:37 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/what-is-the-best-mortgage-product-for-your-lifestyle/]]></guid>
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			<title>What Is the Best Mortgage Product for Your Lifestyle?</title>
			<pubDate><![CDATA[Wed, 05 Nov 2025 12:57:47 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/understanding-the-canadian-property-bubble-risks-trends-and-what-it-means-for-buyers/]]></guid>
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			<title>Understanding the Canadian Property Bubble: Risks, Trends, and What It Means for Buyers</title>
			<pubDate><![CDATA[Tue, 02 Dec 2025 09:42:55 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/mortgages-for-freelancers-creatives-beyond-the-self-employed-label/]]></guid>
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			<title>Mortgages for Freelancers &#038; Creatives: Beyond the Self-Employed Label</title>
			<pubDate><![CDATA[Thu, 09 Oct 2025 07:21:25 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/understanding-mortgage-default-insurance-vs-private-lenders/]]></guid>
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			<title>Understanding Mortgage Default Insurance vs. Private Lenders</title>
			<pubDate><![CDATA[Thu, 09 Oct 2025 07:18:06 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/mortgage-renewals-in-2026-why-60-of-canadians-should-plan-ahead/]]></guid>
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			<title>Mortgage Renewals in 2026: Why 60% of Canadians Should Plan Ahead</title>
			<pubDate><![CDATA[Mon, 05 Jan 2026 08:39:34 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/what-the-bank-of-canadas-december-rate-hold-means-for-mortgage-seekers-in-2026/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/what-the-bank-of-canadas-december-rate-hold-means-for-mortgage-seekers-in-2026/]]></link>
			<title>What the Bank of Canada’s December Rate Hold Means for Mortgage‑Seekers in 2026</title>
			<pubDate><![CDATA[Mon, 05 Jan 2026 08:36:58 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/kingston/]]></guid>
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			<title>Kingston</title>
			<pubDate><![CDATA[Tue, 13 May 2025 14:57:35 +0000]]></pubDate>
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			<title>What Newcomers Need to Know: Mortgages for Immigrants in Canada</title>
			<pubDate><![CDATA[Mon, 15 Sep 2025 08:42:17 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/purchasing-property-with-a-friend-joint-mortgage-pitfalls-planning/]]></guid>
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			<title>Purchasing Property with a Friend: Joint Mortgage Pitfalls &#038; Planning</title>
			<pubDate><![CDATA[Tue, 02 Sep 2025 13:12:40 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/buying-a-vacation-property-heres-how-to-finance-it-wisely/]]></guid>
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			<title>Buying a Vacation Property? Here&#8217;s How to Finance It Wisely</title>
			<pubDate><![CDATA[Wed, 02 Jul 2025 11:13:25 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/mortgage-strategies-during-rising-inflation/]]></guid>
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			<title>Mortgage Strategies During Rising Inflation</title>
			<pubDate><![CDATA[Wed, 02 Jul 2025 11:05:33 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/first-time-buyer-mistakes-how-to-avoid-them/]]></guid>
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			<title>First-Time Buyer Mistakes &#038; How to Avoid Them</title>
			<pubDate><![CDATA[Mon, 16 Jun 2025 08:59:34 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/mortgage-clawed-back-what-happens-to-penalties-when-you-change-lenders/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/mortgage-clawed-back-what-happens-to-penalties-when-you-change-lenders/]]></link>
			<title>Mortgage Clawed Back: What Happens to Penalties When You Change Lenders</title>
			<pubDate><![CDATA[Mon, 16 Jun 2025 07:40:42 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/navigating-mortgages-as-a-digital-nomad-or-remote-worker/]]></guid>
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			<title>Navigating Mortgages as a Digital Nomad or Remote Worker</title>
			<pubDate><![CDATA[Mon, 04 Aug 2025 07:44:31 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/recessions-and-how-they-may-impact-a-mortgage/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/recessions-and-how-they-may-impact-a-mortgage/]]></link>
			<title>Recessions and How They May Impact a Mortgage</title>
			<pubDate><![CDATA[Mon, 04 Aug 2025 07:38:27 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/tiny-homes-and-modular-builds-financing-alternative-housing-in-canada/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/tiny-homes-and-modular-builds-financing-alternative-housing-in-canada/]]></link>
			<title>Tiny Homes and Modular Builds: Financing Alternative Housing in Canada</title>
			<pubDate><![CDATA[Mon, 02 Jun 2025 13:09:33 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/how-to-compare-mortgage-offers-its-not-just-about-the-interest-rate/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/how-to-compare-mortgage-offers-its-not-just-about-the-interest-rate/]]></link>
			<title>How to Compare Mortgage Offers: It&#8217;s Not Just About the Interest Rate</title>
			<pubDate><![CDATA[Mon, 02 Jun 2025 13:02:51 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/]]></link>
			<title>Home</title>
			<pubDate><![CDATA[Fri, 27 Feb 2026 07:45:43 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/gananoque/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/service-areas/gananoque/]]></link>
			<title>Gananoque</title>
			<pubDate><![CDATA[Tue, 13 May 2025 14:56:30 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/the-impact-of-housing-supply-shortages-on-mortgage-rates-in-2026/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/the-impact-of-housing-supply-shortages-on-mortgage-rates-in-2026/]]></link>
			<title>The Impact of Housing Supply Shortages on Mortgage Rates in 2026</title>
			<pubDate><![CDATA[Mon, 02 Feb 2026 13:30:35 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/amherstview/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/service-areas/amherstview/]]></link>
			<title>Amherstview</title>
			<pubDate><![CDATA[Tue, 13 May 2025 14:55:38 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/napanee/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/service-areas/napanee/]]></link>
			<title>Napanee</title>
			<pubDate><![CDATA[Wed, 07 May 2025 08:53:07 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/cornwall/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/service-areas/cornwall/]]></link>
			<title>Cornwall</title>
			<pubDate><![CDATA[Wed, 07 May 2025 08:40:02 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/petawawa/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/service-areas/petawawa/]]></link>
			<title>Petawawa</title>
			<pubDate><![CDATA[Mon, 12 May 2025 19:14:19 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/prescott/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/service-areas/prescott/]]></link>
			<title>Prescott</title>
			<pubDate><![CDATA[Wed, 07 May 2025 10:02:20 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/kemptville/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/service-areas/kemptville/]]></link>
			<title>Kemptville</title>
			<pubDate><![CDATA[Mon, 12 May 2025 19:12:38 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/trenton/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/service-areas/trenton/]]></link>
			<title>Trenton</title>
			<pubDate><![CDATA[Mon, 12 May 2025 19:11:17 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/ottawa/]]></guid>
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			<title>Ottawa</title>
			<pubDate><![CDATA[Mon, 12 May 2025 19:08:31 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/brockville/]]></guid>
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			<title>Brockville</title>
			<pubDate><![CDATA[Wed, 07 May 2025 08:35:58 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/belleville/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/service-areas/belleville/]]></link>
			<title>Belleville</title>
			<pubDate><![CDATA[Wed, 07 May 2025 08:07:53 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/mortgage-rates/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/mortgage-rates/]]></link>
			<title>Mortgage Rates</title>
			<pubDate><![CDATA[Tue, 06 May 2025 11:41:52 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/rent-vs-buy-calculator/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/rent-vs-buy-calculator/]]></link>
			<title>Rent vs Buy Calculator</title>
			<pubDate><![CDATA[Tue, 06 May 2025 11:34:58 +0000]]></pubDate>
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			<link><![CDATA[https://sandrabrownmortgages.ca/refinance-calculator/]]></link>
			<title>Refinance Calculator</title>
			<pubDate><![CDATA[Tue, 06 May 2025 11:33:13 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/payment-calculator/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/payment-calculator/]]></link>
			<title>Payment Calculator</title>
			<pubDate><![CDATA[Tue, 06 May 2025 11:31:50 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/debt-consolidation-calculator/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/debt-consolidation-calculator/]]></link>
			<title>Debt consolidation Calculator</title>
			<pubDate><![CDATA[Tue, 06 May 2025 11:29:50 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/closing-fees-calculator/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/closing-fees-calculator/]]></link>
			<title>Closing Fees Calculator</title>
			<pubDate><![CDATA[Tue, 06 May 2025 11:27:14 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/affordability-calculator/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/affordability-calculator/]]></link>
			<title>Affordability Calculator</title>
			<pubDate><![CDATA[Tue, 06 May 2025 11:25:16 +0000]]></pubDate>
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			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/carleton-place/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/service-areas/carleton-place/]]></link>
			<title>Carleton Place</title>
			<pubDate><![CDATA[Tue, 06 May 2025 07:55:02 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/service-areas/ottawa-valley/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/service-areas/ottawa-valley/]]></link>
			<title>Ottawa Valley</title>
			<pubDate><![CDATA[Tue, 06 May 2025 07:52:19 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/risk-based-pricing-in-canadian-mortgages-what-borrowers-need-to-know/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/risk-based-pricing-in-canadian-mortgages-what-borrowers-need-to-know/]]></link>
			<title>Risk-Based Pricing in Canadian Mortgages: What Borrowers Need to Know</title>
			<pubDate><![CDATA[Mon, 02 Feb 2026 13:30:11 +0000]]></pubDate>
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			<link><![CDATA[https://sandrabrownmortgages.ca/contact/]]></link>
			<title>Contact</title>
			<pubDate><![CDATA[Fri, 25 Apr 2025 09:53:11 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/about-me/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/about-me/]]></link>
			<title>About Me</title>
			<pubDate><![CDATA[Fri, 25 Apr 2025 08:03:09 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://sandrabrownmortgages.ca/team/reno-viola/]]></guid>
			<link><![CDATA[https://sandrabrownmortgages.ca/team/reno-viola/]]></link>
			<title>Reno Viola</title>
			<pubDate><![CDATA[Fri, 25 Apr 2025 08:00:12 +0000]]></pubDate>
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