<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Top-level + niche pages -->
  <url><loc>https://credys.co.uk/</loc><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://credys.co.uk/home</loc><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://credys.co.uk/about</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/services</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/contact</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://credys.co.uk/calculator</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://credys.co.uk/tools</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://credys.co.uk/market-rates</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://credys.co.uk/blog</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://credys.co.uk/property-search</loc><changefreq>weekly</changefreq><priority>0.6</priority></url>
  <url><loc>https://credys.co.uk/mortgages-for-turkish-citizens</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://credys.co.uk/legal/privacy</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://credys.co.uk/legal/terms</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://credys.co.uk/legal/cookies</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <!-- City pages (auto-generated from src/data/cities.js) -->
  <url><loc>https://credys.co.uk/mortgages/london</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/manchester</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/birmingham</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/leeds</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/bristol</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/edinburgh</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/liverpool</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/glasgow</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/cardiff</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/belfast</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/newcastle</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/sheffield</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/brighton</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/cambridge</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/oxford</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://credys.co.uk/mortgages/nottingham</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

</urlset>
