<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Core Pages -->
  <url>
    <loc>https://www.rumo.com.au/</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/about</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/team</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Solutions Pages -->
  <url>
    <loc>https://www.rumo.com.au/private-credit</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/private-property-finance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/first-mortgage-private-lending</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/second-mortgage-private-lending</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/bridging-finance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/caveat-loans</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/development-finance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/construction-finance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/land-bank-finance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/residual-stock-finance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/mezzanine-finance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/equity-release</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/urgent-settlement-finance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/business-purpose-loans</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/non-bank-property-finance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Borrower Profile Pages -->
  <url>
    <loc>https://www.rumo.com.au/borrowers/property-developers</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/borrowers/business-owners</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/borrowers/smsf-borrowers</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/borrowers/high-net-worth</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/borrowers/commercial-property-owners</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/borrowers/residential-property-investors</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/borrowers/urgent-settlement</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/borrowers/refinance-existing-debt</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/borrowers/releasing-equity</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/borrowers/funding-without-presales</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/borrowers/funding-without-major-bank-approval</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/borrowers/short-term-property-funding</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/borrowers/funding-for-complex-scenarios</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Audience Pages -->
  <url>
    <loc>https://www.rumo.com.au/brokers</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/investors</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Partnership & Careers Pages (NEW) -->
  <url>
    <loc>https://www.rumo.com.au/work-with-us</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/careers</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Transactions & Resources -->
  <url>
    <loc>https://www.rumo.com.au/transactions</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/development-feasibility-template</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/capital-stack-worksheet</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/private-credit-application-checklist</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/development-finance-checklist</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/property-development-funding-guide</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/mezzanine-finance-guide</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/bridging-finance-settlement-guide</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/private-credit-vs-bank-lending</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/understanding-property-capital-stack</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/how-developers-structure-capital-stacks</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/property-development-feasibility-guide</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/how-construction-drawdowns-work</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/senior-debt-vs-mezzanine-finance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/resources/equity-contributions-property-development</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Calculators -->
  <url>
    <loc>https://www.rumo.com.au/calculators/development-feasibility</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/calculators/capital-stack</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/calculators/mezzanine-finance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/calculators/bridging-finance</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/calculators/equity-contribution</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Contact & Submission -->
  <url>
    <loc>https://www.rumo.com.au/contact</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/submit-a-scenario</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://www.rumo.com.au/privacy-policy</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/terms-of-service</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/accessibility</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.rumo.com.au/reviews</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
</urlset>
