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    <loc>https://www.infinance.co.nz/insights/electrifying-the-problem-part-2</loc>
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    <lastmod>2026-04-02</lastmod>
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      <image:title>Insights - Electrifying the problem – part 2 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.infinance.co.nz/insights/fuelling-the-problem-part-1</loc>
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    <lastmod>2026-04-02</lastmod>
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      <image:title>Insights - Fuelling the problem – part 1 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.infinance.co.nz/insights/global-tensions-could-influence-new-zealands-economic-recovery</loc>
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    <lastmod>2026-03-25</lastmod>
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      <image:title>Insights - Global Tensions Could Influence New Zealand’s Economic Recovery - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.infinance.co.nz/insights/refinancing-to-improve-cashflow</loc>
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    <lastmod>2026-03-19</lastmod>
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      <image:title>Insights - Refinancing to improve cashflow - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.infinance.co.nz/insights/eofy-investment-tax-boost</loc>
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    <lastmod>2026-03-10</lastmod>
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    <loc>https://www.infinance.co.nz/insights/reserve-bank-keeps-a-steady-hand-on-the-ocr</loc>
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    <lastmod>2026-03-04</lastmod>
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      <image:title>Insights - Reserve Bank keeps a steady hand on the OCR - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/more-choice-for-first-home-buyers</loc>
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    <lastmod>2026-02-25</lastmod>
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      <image:title>Insights - More choice for First Home Buyers - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/ocr-remains-at-2-point-25-percent</loc>
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    <priority>0.5</priority>
    <lastmod>2026-02-19</lastmod>
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      <image:title>Insights - OCR remains at 2.25% - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/navigating-the-mortgage-maze</loc>
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    <priority>0.5</priority>
    <lastmod>2026-02-18</lastmod>
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      <image:title>Insights - Navigating the mortgage maze - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/new-build-vs-turnkey</loc>
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    <priority>0.5</priority>
    <lastmod>2026-02-12</lastmod>
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      <image:title>Insights - New Build vs Turnkey: Choosing Your Path to Home Ownership - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/first-home-buyers-find-their-moment</loc>
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    <lastmod>2026-02-03</lastmod>
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      <image:title>Insights - First-Home Buyers Find Their Moment - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/why-use-a-broker-/-adviser</loc>
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    <priority>0.5</priority>
    <lastmod>2026-01-27</lastmod>
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      <image:title>Insights - Why use a broker/adviser - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.infinance.co.nz/insights/welcome-to-2026-and-economic-growth</loc>
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    <lastmod>2026-01-21</lastmod>
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      <image:title>Insights - Welcome to 2026 and economic growth - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.infinance.co.nz/insights/the-ocr-and-the-year-ahead</loc>
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    <priority>0.5</priority>
    <lastmod>2026-01-14</lastmod>
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      <image:title>Insights - The OCR and the year ahead. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/machinery-and-equipment-finance-lease-or-buy</loc>
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    <lastmod>2025-12-16</lastmod>
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      <image:title>Insights - Machinery and Equipment Finance – lease or buy? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/new-earthquake-rating-and-the-effects-on-the-chateau-tongariro</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-14</lastmod>
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      <image:title>Insights - New earthquake ratings and the effects on the Chateau Tongariro - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/commercial-property-mortgages</loc>
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    <priority>0.5</priority>
    <lastmod>2025-11-24</lastmod>
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      <image:title>Insights - Commercial Property Mortgages - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/trade-finance-and-short-term-business-funding</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
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      <image:title>Insights - Trade Finance and short term business funding - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.infinance.co.nz/insights/business-start-up-and-expansion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-04</lastmod>
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      <image:title>Insights - Business start-up and expansion - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.infinance.co.nz/insights/refinance-for-cashflow-easing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-30</lastmod>
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      <image:title>Insights - Refinance for cashflow easing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/business-and-housing-confidence-with-ocr-at-2-point-5-percent</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-23</lastmod>
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      <image:title>Insights - Business and housing confidence with OCR at 2.5% - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/official-cash-rate-now-at-2-point-5-percent</loc>
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    <priority>0.5</priority>
    <lastmod>2025-10-16</lastmod>
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      <image:title>Insights - Official Cash Rate now at 2.5% - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/invoice-finance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-08</lastmod>
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      <image:title>Insights - Invoice Finance – the smart way to control cashflow - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.infinance.co.nz/insights/insurance-and-moral-risk</loc>
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    <priority>0.5</priority>
    <lastmod>2025-10-01</lastmod>
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      <image:title>Insights - Insurance and moral risk - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/peace-of-mind-understanding-general-insurance</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-17</lastmod>
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      <image:title>Insights - Peace of Mind: Understanding General Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/key-person-and-rural-key-person-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-17</lastmod>
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      <image:title>Insights - Key Person and Rural Key Person Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.infinance.co.nz/insights/packaging-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-09</lastmod>
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      <image:title>Insights - Packaging insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.infinance.co.nz/insights/official-cash-rate-ocr-now-at-3-percent</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-04</lastmod>
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      <image:title>Insights - Official Cash Rate (OCR) now at 3% - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/health-insurance-the-good-oil</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-21</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/99b4a8bf-0370-4090-9506-631b684109d0/image002+%283%29.jpg</image:loc>
      <image:title>Insights - Health Insurance – the good oil - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/disability-and-trauma-insurance-the-serious-stuff</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-19</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/2f543301-02d6-4f0e-93be-d7d7ed3a6f8e/image002+%284%29.jpg</image:loc>
      <image:title>Insights - Disability and Trauma Insurance – the serious stuff - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/income-protection-mortgage-insurance-and-acc</loc>
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    <priority>0.5</priority>
    <lastmod>2025-08-14</lastmod>
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      <image:title>Insights - Income protection, mortgage insurance and ACC - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.infinance.co.nz/insights/life-insurance-how-much-do-we-need</loc>
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    <priority>0.5</priority>
    <lastmod>2025-08-05</lastmod>
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      <image:title>Insights - Life insurance, how much do we need? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.infinance.co.nz/insights/spotlight-on-insurance</loc>
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    <lastmod>2025-07-30</lastmod>
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      <image:title>Insights - Spotlight on Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/the-role-of-non-bank-lenders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/8ddc77b9-06da-4c3c-848e-000e19dfed08/image002+%283%29.jpg</image:loc>
      <image:title>Insights - The role of non-bank lenders - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/renovation-and-green-energy-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/d7131c96-4996-4c03-afb7-78fa8448c58e/image002+%283%29.jpg</image:loc>
      <image:title>Insights - Renovation and green energy loans. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/ocr-remains-unchanged-at-3-point-25-at-todays-rbnz-announcement</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-07-16</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/0517d011-1287-4601-b950-fc0b0fa722ff/In+Finance+Blog.jpg</image:loc>
      <image:title>Insights - OCR remains unchanged at 3.25% at July 9th 2025 RBNZ announcement - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/lending-for-a-new-build-residential-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/f1ab4caf-78ef-4768-a22e-de8e2a095da9/image005.png</image:loc>
      <image:title>Insights - Lending for a new build residential home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/unlocking-equity-in-your-home-to-buy-an-investment-property</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/610b6369-c0c4-4bc8-8b08-2164eb833854/image002+%283%29.jpg</image:loc>
      <image:title>Insights - Unlocking equity in your home to buy an investment property - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/lvr-and-dti-what-and-why</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/b93f9c0a-b91e-4787-97bb-ec41a2091d8e/image002+%282%29.png</image:loc>
      <image:title>Insights - LVR and DTi, what and why? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/understanding-the-role-of-the-reserve-bank</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-18</lastmod>
    <image:image>
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      <image:title>Insights - Understanding the Role of the Reserve Bank - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/kick-starting-the-nz-economy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/6d28e04b-d921-4eb7-8e94-c070a62cbdfa/image005+%283%29.jpg</image:loc>
      <image:title>Insights - Kick starting the NZ economy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/paying-your-mortgage-off-early</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/aae662b6-a175-45b4-b1d2-4a79c18c5c6c/image002+%283%29.jpg</image:loc>
      <image:title>Insights - Paying your mortgage off early - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/first-home-buyers-fast-start-to-property-ownership</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/d7ffedd9-b41d-458f-90a1-0873e2b7e3ed/image001+%282%29.png</image:loc>
      <image:title>Insights - First Home Buyers – fast start to property ownership - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/setting-ourselves-up-for-a-successful-future</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/cd03fe39-ef1a-4307-a96f-078d36183fd4/InFinance+%2831%29.jpg</image:loc>
      <image:title>Insights - Setting ourselves up for a successful future - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/good-debt-vs-bad-debt-understanding-the-difference</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/53df4185-11cf-42df-8bd7-b58cf0f97065/InFinance+Socials+.jpg</image:loc>
      <image:title>Insights - Good Debt vs Bad Debt: Understanding the Difference - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/credit-score-everyones-got-one-hows-yours</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/ff8398da-1e24-4297-abef-050ed652a96d/InFinance+Socials++%288%29.jpg</image:loc>
      <image:title>Insights - Credit score, everyone’s got one, how’s yours? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/preparing-a-successful-finance-or-mortgage-application</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/7fffeb75-0b6a-4577-a0b5-3ceb263f158a/InFinance+Socials+.jpg</image:loc>
      <image:title>Insights - Preparing a successful finance or mortgage application - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/official-cash-rate-eases-to-3-point-5</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/4cef1b9e-2a4f-4ca3-8776-f0eea66cfb6d/InFinance+Socials++%287%29.jpg</image:loc>
      <image:title>Insights - Official Cash Rate Eases to 3.5% - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/the-financial-year-ahead</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/4a65534e-dbf2-457d-ba6d-fc89f89245d6/InFinance+Socials++%285%29.jpg</image:loc>
      <image:title>Insights - The Financial Year Ahead - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/two-years-on-and-growing-strong</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/4f45d359-73af-44bb-b1f8-d2e8dd8548da/InFinance+Socials++%282%29.jpg</image:loc>
      <image:title>Insights - Two years on and growing strong - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/better-finance-joins-our-provider-panel</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/0c9a8ae7-5cd7-41aa-92db-8acf17b186f4/InFinance+Socials++%281%29.jpg</image:loc>
      <image:title>Insights - Better Finance joins our provider panel - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/house-value-index-hvi-beginning-to-turn-first-home-buyers-down-while-investment-properties-up</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/4920a05c-418f-4ade-b402-8d9ad5493446/InFinance+Socials++%283%29.jpg</image:loc>
      <image:title>Insights - House Value Index (HVI) beginning to turn, first home buyers down while investment property buyers up. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/finance-now-and-infinance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/d573afd0-ea20-4ef9-b236-5ff3209c03d0/In+Finance+Blog+%2827%29.png</image:loc>
      <image:title>Insights - Finance Now and Infinance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/ocr-at-3point75-no-surprises-there</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/687cc59d-0f1d-4494-9c6a-8258bc91942b/In+Finance+Blog+%2827%29.png</image:loc>
      <image:title>Insights - OCR at 3.75% … no surprises there. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/get-pre-approved-for-a-mortgage-and-go-shopping</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/4831749a-827f-454f-b007-f4f3e0ce1a3e/image001+%284%29.jpg</image:loc>
      <image:title>Insights - Get pre-approved for a mortgage and go shopping - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/its-all-going-to-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/c7a8116d-902b-4cea-8c7f-b099f32cd48d/InFinance+%2826%29.jpg</image:loc>
      <image:title>Insights - It’s all going to plan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/fast-mortgages-could-be-the-way-forward-for-nz</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/06e9b7d1-a5cc-40a3-8099-b52f51a22a65/InFinance+%281080+x+1350+px%29+%281%29.jpg</image:loc>
      <image:title>Insights - Fast mortgages could be the way forward for NZ - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/infinance-expands-its-commercial-finance-offering</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/ff4025c2-42cf-4467-8cad-fa64c1b630c6/InFinance+%2830%29.jpg</image:loc>
      <image:title>Insights - Infinance expands its commercial finance offering. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/infinance-now-accredited-with-kiwibank</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/7778eeb6-c438-4871-8715-37f1c8f96e45/image001+%282%29.png</image:loc>
      <image:title>Insights - Infinance now accredited with Kiwibank - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/expectations-for-2025-improving</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/5111aa4b-d95d-40f8-88bc-dc4f6b3f25c6/image005.png</image:loc>
      <image:title>Insights - Expectations for 2025 – improving - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/welcome-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/cf4025e6-a515-4bf0-b55e-358c8d244c5e/InFinance+%2825%29.jpg</image:loc>
      <image:title>Insights - Welcome, 2025 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/2024-the-year-that-was</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-05</lastmod>
    <image:image>
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      <image:title>Insights - 2024, the year that was. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/infinance-christmas-250-prezzy-card-draw</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-19</lastmod>
    <image:image>
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      <image:title>Insights - Infinance Christmas $250 Prezzy Card draw - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/5123ffdb-130a-41f4-b42e-cdf88a4db728/image005+%283%29.jpg</image:loc>
      <image:title>Insights - Infinance Christmas $250 Prezzy Card draw - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/infinance-available-through-the-holidays</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63bcc796f5289c008a7fafbc/dbebd406-bd80-442e-bc8c-4ea29757758b/InFinance+%2826%29.jpg</image:loc>
      <image:title>Insights - Infinance available through the holidays - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/understanding-credit-scores</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-15</lastmod>
    <image:image>
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      <image:title>Insights - Understanding Credit Scores - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
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      <image:title>Insights - Important OCR announcement coming Wed 27th November 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/game-on-for-ocr-and-interest-rate-reductions</loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Infinance partners with Lakeland Marine for tailored boat financing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Infinance partners with Lakeland Marine for tailored boat financing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:title>Insights - New lending rules and tax changes effective 1st July - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - New lending rules and tax changes effective 1st July - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
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    <changefreq>monthly</changefreq>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Nuts and bolts of the NZ economy right now - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <lastmod>2024-06-19</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-31</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.infinance.co.nz/insights/official-cash-rate-to-remain-restrictive</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-31</lastmod>
    <image:image>
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      <image:title>Insights - Official Cash Rate to remain restrictive - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2024-05-22</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Key factors in residential lending: First home, next home, and investment properties - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Key factors in residential lending: First home, next home, and investment properties - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <changefreq>monthly</changefreq>
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      <image:title>Insights - Keeping it real while keeping it positive - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <lastmod>2024-05-15</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - House price recovery sputtering along in 2024 - Make it stand out</image:title>
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  <url>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.infinance.co.nz/insights/june-insights-from-strettons</loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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