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  <!-- Core -->
  <url><loc>https://www.octofg.com.au/</loc><lastmod>2026-08-22</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://www.octofg.com.au/calculators</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.octofg.com.au/workplace</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/referral-partners</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/professionals</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <!-- Services -->
  <url><loc>https://www.octofg.com.au/buyingahome</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.octofg.com.au/buildingahome</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.octofg.com.au/refinancealoan</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.octofg.com.au/investinrealestate</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.octofg.com.au/lowdocloans</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/smsfloans</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/businessloans</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/commercialpropertyloan</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/developmentfinance</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/bridgingfinance</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/assetfinance</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/workplacemortgagebroking</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/wanttobeamortgagebroker</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.octofg.com.au/loantypes</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.octofg.com.au/buying-and-selling-costs</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.octofg.com.au/contactus</loc><lastmod>2026-08-22</lastmod><changefreq>yearly</changefreq><priority>0.6</priority></url>

  <!-- Calculators -->
  <url><loc>https://www.octofg.com.au/calculator/repayments</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/calculator/borrowing</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/calculator/stamp-duty</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/calculator/refinance</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.octofg.com.au/calculator/purchasing-power</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Legal -->
  <url><loc>https://www.octofg.com.au/privacy</loc><lastmod>2026-08-22</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://www.octofg.com.au/consumer-data-right</loc><lastmod>2026-08-22</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
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