<?xml version="1.0" encoding="UTF-8"?>
<urlset
      xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
      xmlns:xsi="https://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>http://www.intelligentlending.ca/</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/about</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/video-mi</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/testimonials</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/why_a_broker</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgage_services</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgages_debt_consolidation</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgages_first_time_home_buyers</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgages_homeequity_renovations</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgages_investment_properties</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/insurance</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgages_pre-approval</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgages_portability</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgages_renewals</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgages_new_to_canada</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgages_credit_repair</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgages_selfemployed</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgages_vacation_homes</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/leasing</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/rates</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgage_application</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/resources</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/blog</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgage_calculators</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/faqs</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/glossary</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/links_of_interest</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/newsletter</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/contact</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/privacy</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/sitemap</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1151/tips-for-new-homeowners</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1150/12-house-hunting-tips-to-help-you-make-the-right-choice</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1149/get-ready-condo-flippers-canada-revenue-agency-is-hunting-you</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1148/bank-of-canada-cuts-growth-forecast-holds-rates</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/lenders</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/blog/category/7</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/blog/category/5</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/blog/archive/2012-01</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/feeds/blogs.php</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/mortgage_products</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/blog/post/4/2-out-of-3-dont-shop-at-renewal</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/blog/post/3/welcome</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/calculators_purchasing</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/calculators_renewing</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/calculators_refinancing</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/category/10</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1147/home-prices-tick-higher-despite-sales-slump</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/archive</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/careers</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/feeds</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/survey</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/thank_you</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/home</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1146/monthly-newsletter</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1145/are-you-average?-this-is-what-first-time-home-buyers-look-like-in-canada</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1144/canadians-dont-expect-to-be-mortgage-free-until-age-57-survey-finds</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1142/why-you-should-lock-in-your-mortgage</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1143/should-mortgage-shoppers-choose-the-1-or-5-year-fixed-rate?</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1141/are-you-ready-to-buy-a-house?-read-these-home-truths-first</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1140/how-to-score-the-best-deal-on-your-mortgage</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1139/first-time-buyers-poised-to-stand-tall-even-as-canadian-home-purchase-intentions-fall-rbc</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1138/brokers-pursue-mortgage-break-for-first-time-home-buyers</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1137/battle-of-housing-bubble-won-carney-focuses-on-economic-growth</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1136/home-sales-slip-further-but-signs-of-traction-emerge</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1135/flaherty-warns-banks-over-igniting-mortgage-war-as-bmo-cuts-rates</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1134/home-costs-take-slightly-smaller-bite-of-household-budget-in-fourth-quarter-rbc</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1133/24-things-you-didnt-know-about-credit-cards</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1132/cooling-housing-market-part-of-economic-transition-mark-carney-says</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1131/mortgage-rules-take-bite-out-of-building-permits</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1130/good-debt-bad-debt-which-do-you-have?</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1129/banks-are-raising-rates---for-those-who-cant-manage-their-debt</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1128/bank-of-canada-leans-away-from-interest-rate-hike</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1127/is-canada-talking-itself-into-a-housing-crisis?</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1125/housing-market--prices-steady-but-sales-down-17</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1126/how-single-women--and-what-they-want--are-shaping-the-new-housing-market</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1124/looking-to-invest?-pay-down-your-mortgage-instead</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1123/bank-of-canada-could-raise-rates-half-a-per-cent-this-year-says-rbc-outlook</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1122/7-simple-rules-to-get-the-most-from-your-tfsa</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1121/rrsp-deadline-causes-stress-bmo-survey-says</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1120/mild-correction-expected-for-housing-market-royal-lepage</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1119/5-loopholes-in-tough-new-home-down-payment-rules</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1118/consumer-debt-canadians-focusing-on-paying-off-bills-worrying-less-about-retirement</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1117/cmhc-must-stay-in-government-hands</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1116/the-costs-of-buying-and-selling-a-home</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1115/these-holidays-put-those-unused-gift-cards-to-work</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1114/canadas-housing-market-a-victim-of-demographics</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1113/bank-of-canada-keeps-key-interest-rate-at-1</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1112/hidden-costs-of-home-ownership</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1111/tfsas-grow-up-why-rrsps-now-have-some-serious-competition</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1110/five-ways-to-make-your-home-renos-pay-off</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1109/as-tougher-mortgage-rules-slow-housing-market-critics-call-for-a-reversal</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1108/mark-carney-named-bank-of-england-governor</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1107/inflation-unchanged-as-prices-increase-1.2-in-october</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1106/vast-majority-now-favour-fixed-rate-mortgages</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1105/canadas-home-sales-cool-how-bad-is-your-market?</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1103/avoid-nightmare-on-retirement-street-pay-off-your-mortgage</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1104/partner-mortgage-now-available-across-canada</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1102/rent-vs.-buy?-with-real-estate-it-depends</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1101/boomers-warned-using-home-sale-to-fund-retirement-could-backfire</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1100/no-u.s.-style-housing-market-meltdown-for-canada-cibc</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1099/pay-your-mortgage-like-its-2007.-youll-save-a-pile-of-money.</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1097/bank-of-canada-holds-rate-steady-at-1-again</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1098/higher-mortgage-rates-would-hit-households-hard-bmo</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1096/five-easy-ways-to-save-big-money-now---and-you-wont-feel-a-thing</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1095/commercial-real-estate-market-climbs-across-canada-re/max</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1094/how-to-buy-a-house-when-your-credit-ratings-been-trashed.</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1093/more-canadians-debt-free-this-year-poll</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1092/top-10-ways-to-win-a-real-estate-bidding-war</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1091/mortgages-and-loans---harder-for-the-self-employed?</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1090/ten-questions-to-help-you-avoid-mortgage-penalty-shock</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1089/attention-first-time-buyers-buying-a-home-with-zero-down-payment-is-ending-soon.</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1088/firstline-mortgages-to-cease-operations</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1084/new-mortgage-rules-effective-july-9-2012-for-insured-mortgages.</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1085/smart-debt-management-gives-first-time-homebuyers-an-edge</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1086/that-low-rate-mortgage-could-actually-cost-you-more.</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/index.php/articles/viewarticle/1087/a-home-of-their-own---new-immigrants-face-hurdles</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/feeds/articles.php</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/feeds/events.php</loc>
  <changefreq>monthly</changefreq>
</url>
<url>
  <loc>http://www.intelligentlending.ca/feeds/news.php</loc>
  <changefreq>monthly</changefreq>
</url>
</urlset>