<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//www.whenthebanksaysno.co.uk/wp-content/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/leasehold-vs-freehold-guide/</loc>
		<lastmod>2022-05-31T10:29:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0002_iStock-1227064131.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/htb-equity-loan/</loc>
		<lastmod>2022-05-31T10:30:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0003_iStock-1197547531.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/a-guide-to-help-to-buy-isa/</loc>
		<lastmod>2022-05-31T10:34:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0004_iStock-1075993466.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/understanding-your-right-to-buy-guide/</loc>
		<lastmod>2022-05-31T10:42:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0008_iStock-1333044560.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-is-conveyancing/</loc>
		<lastmod>2022-05-31T10:47:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0011_iStock-1280171145.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-happens-at-the-end-of-your-equity-loan/</loc>
		<lastmod>2022-06-08T11:15:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN_000_iStock-1163111044.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/the-purchase-process/</loc>
		<lastmod>2024-05-08T12:28:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0006_iStock-1239753049.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/understanding-htb-shared-ownership/</loc>
		<lastmod>2024-05-08T12:42:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0005_iStock-1145856338.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/epc-regulations-explained/</loc>
		<lastmod>2024-05-09T08:05:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0000_iStock-1365614868.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/the-sales-process/</loc>
		<lastmod>2024-05-09T08:06:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0009_iStock-1127717245.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/energy-performance-certificates/</loc>
		<lastmod>2024-05-09T08:07:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0001_iStock-1400423948.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/how-much-does-a-bridging-loan-cost/</loc>
		<lastmod>2024-05-15T13:21:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/07/bridge_loan.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/bad-mortgage-types-and-rates/</loc>
		<lastmod>2024-05-15T13:25:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/08/1_Wm50NbWHQK675De_QzTKfg.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/should-i-fix-my-mortgage-now/</loc>
		<lastmod>2024-05-15T13:29:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/07/40390413880_73b1010d56_b-574x370-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/can-pensioners-get-a-mortgage/</loc>
		<lastmod>2024-05-15T13:29:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/05/man-old-view-question-mark.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-credit-score-do-you-need-for-a-mortgage/</loc>
		<lastmod>2024-05-15T13:30:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/05/D9585792-ED4C-4363-900E-1EDCE31B99B1.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-is-a-mortgage-illustration/</loc>
		<lastmod>2024-05-15T13:32:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/05/1278280236.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/how-will-rising-interest-rates-affect-my-mortgage/</loc>
		<lastmod>2024-05-15T13:35:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0011_iStock-1280171145.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/which-property-survey-do-i-need/</loc>
		<lastmod>2024-05-15T13:36:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0014_iStock-1156574440.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-is-a-mortgage-offer-and-how-long-does-one-last/</loc>
		<lastmod>2024-06-28T09:03:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/05/download.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/bridging-loan-requirements/</loc>
		<lastmod>2024-06-28T09:11:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/07/bridge_loan-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/stamp-duty-guide/</loc>
		<lastmod>2024-06-28T09:12:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0013_iStock-1283138002.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/specialist-property-surveys/</loc>
		<lastmod>2024-06-28T09:13:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0010_iStock-1322138813.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-is-a-briding-loan-how-does-it-work/</loc>
		<lastmod>2024-06-28T09:13:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/07/bridge-loan.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/how-to-get-a-mortgage-with-bad-credit-but-good-income/</loc>
		<lastmod>2024-06-28T09:14:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/10/bad-credit-but-good-income.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/mortgage-refinancing-guide/</loc>
		<lastmod>2024-06-28T09:16:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/07/refinancing.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/welcome-to-the-team-josh-jones-tackles-new-challenge-with-when-the-bank-says-no/</loc>
		<lastmod>2024-06-28T10:04:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/10/Josh-Jones-e1697545764417.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/removing-a-name-from-a-mortgage/</loc>
		<lastmod>2024-07-11T09:48:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/07/shutterstock_2346556429-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/transfer-mortgage-to-another-person/</loc>
		<lastmod>2024-07-11T09:48:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/07/shutterstock_1911369775-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-do-mortgage-lenders-look-for-when-it-comes-to-eligibility/</loc>
		<lastmod>2024-07-11T09:48:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/07/shutterstock_2281356863-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-is-the-lowest-ltv-loan-to-value-mortgage-available/</loc>
		<lastmod>2024-07-23T09:36:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/11/48395205816_ec9fc547fd_b.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/how-much-do-you-have-to-earn-to-get-a-mortgage/</loc>
		<lastmod>2024-07-31T08:29:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/07/shutterstock_2468096697-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/joint-mortgage-after-a-breakup/</loc>
		<lastmod>2024-07-31T08:35:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/07/shutterstock_1957659067-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-are-gifted-deposits/</loc>
		<lastmod>2024-08-09T14:30:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/05/real-estate-agents-are-analyzing-insurance-discoun-2023-11-27-05-09-20-utc-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/non-standard-construction-mortgage/</loc>
		<lastmod>2024-08-09T14:32:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/06/considering-buying-a-home-investing-in-real-estat-2024-02-13-16-07-40-utc-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/current-account-mortgages/</loc>
		<lastmod>2024-08-09T14:36:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/07/shutterstock_2347130393-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-happens-when-fixed-rate-mortgage-ends/</loc>
		<lastmod>2024-08-09T14:36:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/06/close-up-business-people-or-real-estate-agent-expl-2023-11-27-05-23-50-utc-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/renovation-mortgage/</loc>
		<lastmod>2024-08-09T14:38:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/05/spacious-empty-room-2023-11-27-04-58-48-utc-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-are-the-repayments-on-200k-mortgage/</loc>
		<lastmod>2024-08-09T14:40:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/02/Your-paragraph-text-2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/can-you-get-a-mortgage-with-credit-card-debt/</loc>
		<lastmod>2024-08-09T14:41:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/05/cropped-shot-of-woman-holding-credit-card-2023-11-27-05-19-11-utc-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-to-do-if-you-cant-afford-mortgage-payments/</loc>
		<lastmod>2024-08-09T14:42:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/02/selective-focus-of-keys-wooden-cubes-and-moneybag-2023-11-27-05-00-22-utc-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/how-does-porting-a-mortgage-work/</loc>
		<lastmod>2024-08-09T14:42:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/05/happy-property-owners-with-real-estate-broker-afte-2023-11-27-05-04-27-utc-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/monthly-repayments-on-300k-mortgage/</loc>
		<lastmod>2024-08-09T14:43:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/02/Your-paragraph-text-6.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/how-to-calculate-monthly-repayments-on-400k-mortgage/</loc>
		<lastmod>2024-08-09T14:44:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/02/Your-paragraph-text-3.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/repayments-on-150k-mortgage/</loc>
		<lastmod>2024-08-09T14:44:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/02/Your-paragraph-text-8.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-is-the-longest-mortgage-term-in-the-uk/</loc>
		<lastmod>2024-09-04T08:18:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/09/shutterstock_2473124345-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-are-repayment-mortgages/</loc>
		<lastmod>2024-09-04T08:21:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/09/shutterstock_2472697297-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/mortgage-600000-what-are-the-repayments/</loc>
		<lastmod>2024-09-04T08:32:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/09/shutterstock_2473124291-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/mortgage-700000-what-are-the-repayments/</loc>
		<lastmod>2024-09-04T08:36:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/09/shutterstock_2508955461-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/how-much-deposit-is-required-for-buy-to-let-mortgages/</loc>
		<lastmod>2024-10-07T13:03:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/10/shutterstock_2194923737-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-is-the-process-of-buying-a-house/</loc>
		<lastmod>2024-10-07T13:08:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/10/shutterstock_2501130329-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/remortgaging-for-an-extension/</loc>
		<lastmod>2024-11-04T14:26:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/07/iStock-1358096199.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/advantages-and-disadvantages-of-paying-mortgage-off-early/</loc>
		<lastmod>2024-11-11T11:22:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0005_iStock-1145856338.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/how-much-critical-illness-cover-do-i-need/</loc>
		<lastmod>2024-11-11T11:43:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/11/shutterstock_539711368-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/how-long-does-a-mortgage-application-take-through-a-broker/</loc>
		<lastmod>2024-11-11T11:50:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/01/man-with-adviser-calculating-mortgage-rate-2023-11-27-05-00-54-utc-scaled.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/mortgage-broker-fees/</loc>
		<lastmod>2024-11-11T11:52:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/07/handshake-between-two-businessmen-on-signing-a-contract.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/mortgage-advice-for-first-time-buyers/</loc>
		<lastmod>2024-11-12T15:18:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/WTBSN-_0005_iStock-1145856338.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/getting-a-joint-mortgage-with-parents/</loc>
		<lastmod>2025-01-02T10:58:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/07/shutterstock_1831254835-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/repayments-on-350k-mortgage/</loc>
		<lastmod>2025-01-02T11:25:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/02/Your-paragraph-text-5.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/monthly-repayments-on-500k-mortgage/</loc>
		<lastmod>2025-01-02T15:29:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/02/Your-paragraph-text-4.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/1-million-mortgage-what-are-the-repayments/</loc>
		<lastmod>2025-01-28T08:59:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/09/shutterstock_2472697347-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/buying-a-partner-out-of-a-house/</loc>
		<lastmod>2025-02-12T09:12:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/07/pexels-photo-8293651-scaled.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/is-it-possible-to-have-two-mortgages/</loc>
		<lastmod>2025-02-12T10:48:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/07/shutterstock_520466284-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/extending-mortgage-term/</loc>
		<lastmod>2025-02-13T14:44:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/01/shutterstock_1674467302-scaled.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-is-a-good-loan-to-value-ratio/</loc>
		<lastmod>2025-02-13T14:48:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/06/iStock-1075993466.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/will-mortgage-rates-go-down-in-2025/</loc>
		<lastmod>2025-02-13T14:51:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/02/selective-focus-of-keys-wooden-cubes-and-moneybag-2023-11-27-05-00-22-utc-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/does-gambling-affect-a-mortgage-application/</loc>
		<lastmod>2025-03-24T11:00:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/05/cropped-view-of-man-holding-scales-with-moneybags-2023-11-27-05-05-50-utc-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/how-long-does-it-take-to-release-mortgage-funds/</loc>
		<lastmod>2025-03-24T13:24:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/03/bank-loan-borrow-borrowed-credit.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/adding-someone-to-mortgage/</loc>
		<lastmod>2025-03-24T14:58:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/07/handshake-between-two-businessmen-on-signing-a-contract.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/partner-is-a-first-time-buyer-mortgage/</loc>
		<lastmod>2025-03-25T09:10:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/07/pexels-photo-8293651-scaled.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/the-process-of-remortgaging-an-unencumbered-property/</loc>
		<lastmod>2025-04-29T13:05:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/02/the-real-estate-agent-makes-an-offer-to-get-the-co-2023-11-27-04-58-50-utc-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/guide-to-equity-release-scotland/</loc>
		<lastmod>2025-04-30T07:35:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2022/05/iStock-1325729268.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/age-limit-for-mortgages-in-the-uk/</loc>
		<lastmod>2025-04-30T07:40:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/01/lawyer-financial-advisor-helping-consulting-showin-2023-11-27-05-26-38-utc-scaled.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/is-switching-to-interest-only-mortgage-temporarily-a-valid-option/</loc>
		<lastmod>2025-04-30T07:43:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/08/mortgage.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/can-i-buy-my-council-house-on-benefits/</loc>
		<lastmod>2025-04-30T07:47:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/07/Goldsmith-Street_5627-Tim-Crocker-4-1024x768-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/monthly-repayments-on-250k-mortgage/</loc>
		<lastmod>2025-04-30T07:50:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/02/Your-paragraph-text-7.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/using-loan-for-house-deposit/</loc>
		<lastmod>2025-04-30T07:53:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2024/02/partial-view-of-man-holding-moneybag-near-cubes-wi-2023-11-27-05-12-52-utc-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-percentage-of-salary-should-go-to-a-uk-mortgage/</loc>
		<lastmod>2025-06-27T07:36:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/11/salary.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/can-you-rent-out-your-first-home/</loc>
		<lastmod>2025-06-27T07:44:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/08/apartment-cheap-rent-flat-for-lease.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/how-long-should-i-fix-my-mortgage-term-for/</loc>
		<lastmod>2025-06-27T09:09:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2025/06/when-the-bank-says-no-how-long-should-i-fix-my-mortgage-term-for-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/mortgage-after-an-agreement-in-principle/</loc>
		<lastmod>2025-06-27T09:28:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2025/06/when-the-bank-says-no-how-likely-is-it-to-get-a-mortgage-after-an-agreement-in-principle-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-mortgage-schemes-are-available-to-key-workers/</loc>
		<lastmod>2025-06-27T09:39:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2025/06/when-the-bank-says-no-what-mortgage-schemes-are-available-to-key-workers-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/should-i-get-my-house-revalued-before-remortgaging/</loc>
		<lastmod>2025-06-27T09:48:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2025/06/when-the-bank-says-no-should-i-get-my-house-revalued-before-remortgaging-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/what-is-the-standard-buy-to-let-mortgage-criteria/</loc>
		<lastmod>2025-06-27T09:58:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2025/06/when-the-bank-says-no-buy-to-let-mortgage-lending-criteria-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/when-the-bank-says-no-first-participant-in-newly-launched-habito-accelerator-programme/</loc>
		<lastmod>2025-07-02T12:55:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2025/06/mortgage-broker-deal-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2023/12/Emma_Jones_when-the-bank-says-no.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/when-the-bank-says-no-highly-commended-in-two-categories-at-what-mortgage-awards-2025/</loc>
		<lastmod>2025-07-02T12:56:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2025/07/What-Mortgage-awards-2025.webp</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2025/07/What-Mortgage-awards-2025.webp</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/time-critical-bridging-finance-decisions-2026/</loc>
		<lastmod>2026-01-13T14:06:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2026/01/Untitled-design-15.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.whenthebanksaysno.co.uk/buy-to-let-mortgages-2026/</loc>
		<lastmod>2026-01-29T09:28:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.whenthebanksaysno.co.uk/wp-content/uploads/2026/01/ChatGPT-Image-Jan-29-2026-09_27_30-AM.png</image:loc>
		</image:image>
	</url>
</urlset>
<!-- XML Sitemap generated by Yoast SEO -->