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Click for full size. </image:caption></image><lastmod>2011-11-15T19:21:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/11/11/toronto-real-estate-board-releases-october-2011-resale-market-figures/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/11/central-toronto-real-estate-treb-october-2011.png</image:loc><image:title>Central Toronto Real Estate TREB October 2011</image:title><image:caption>October 2011 sales and average prices from the Toronto Real Estate Board. Click for full size. 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Toronto Real Estate 35 Heath 1</image:title></image><lastmod>2011-10-06T19:09:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/10/07/helping-your-kids-buy-their-first-home-yay-or-nay/</loc><mobile:mobile></mobile:mobile><lastmod>2011-10-03T21:39:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/10/05/should-a-real-estate-agent-tell-a-buyer-about-a-murder-in-a-home/</loc><mobile:mobile></mobile:mobile><lastmod>2011-10-03T21:05:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/10/03/home-prices-break-records-in-july-2011/</loc><mobile:mobile></mobile:mobile><lastmod>2011-10-03T20:40:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/30/toronto-condominium-rentals-up-over-2010/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-30T17:23:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/28/toronto-real-estate-agents-provide-more-information-about-land-transfer-tax/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-28T20:09:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/27/toronto-real-estate-agents-want-ohesp-back/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-28T19:09:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/23/toronto-home-sales-jump-during-beginning-of-september/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-20T01:02:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/21/canadian-home-prices-expected-to-fall/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-19T23:47:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/19/canadian-home-sales-steady-through-august/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-19T23:38:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/14/new-mortgage-rules-cause-refinancing-drop/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-14T21:43:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/12/greater-toronto-area-realtors-call-on-city-to-repeal-land-transfer-tax/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-12T20:50:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/09/toronto-home-sales-up-24/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-09T14:40:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/07/take-care-of-your-trees-before-selling-your-home-in-toronto/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-06T22:09:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/05/toronto-real-estate-mostly-affordable-rbc/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-05T18:32:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/02/no-housing-market-correction-coming-cmhc/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-01T16:24:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/09/01/toronto-home-prices-to-cool-in-autumn/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-01T15:58:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/29/a-surprising-new-mortgage-that-pays-you-to-go-green/</loc><mobile:mobile></mobile:mobile><lastmod>2011-08-29T19:53:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/26/let%e2%80%99s-all-go-to-the-ex-in-toronto/</loc><mobile:mobile></mobile:mobile><lastmod>2011-08-22T19:24:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/24/canadian-real-estate-buyers-keeping-markets-hot/</loc><mobile:mobile></mobile:mobile><lastmod>2011-09-01T22:27:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/22/common-moving-scams-when-buying-a-new-house/</loc><mobile:mobile></mobile:mobile><lastmod>2011-08-22T17:25:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/19/keeping-your-home-safe-on-vacation/</loc><mobile:mobile></mobile:mobile><lastmod>2011-08-16T18:02:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/17/3347/</loc><mobile:mobile></mobile:mobile><lastmod>2011-08-16T18:00:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/15/large-mortgage-loans-and-the-sliding-scales-used-to-underwrite-them/</loc><mobile:mobile></mobile:mobile><lastmod>2011-08-15T18:33:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/12/fsbo-founder-uses-a-real-estate-agent/</loc><mobile:mobile></mobile:mobile><lastmod>2012-01-06T02:58:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/10/the-my-great-neighbourhood-contest/</loc><mobile:mobile></mobile:mobile><lastmod>2011-08-09T17:48:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/08/older-condominiums-in-toronto-facing-repair-problems/</loc><mobile:mobile></mobile:mobile><lastmod>2011-08-08T19:52:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/06/greater-toronto-area-home-sales-increase-by-23/</loc><mobile:mobile></mobile:mobile><lastmod>2011-08-06T00:35:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/03/3331/</loc><mobile:mobile></mobile:mobile><lastmod>2011-08-06T00:34:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/08/01/dealing-with-real-estate-closing-costs/</loc><mobile:mobile></mobile:mobile><lastmod>2011-08-03T19:23:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/07/29/quarterly-findings-from-royal-bank-of-canadas-consumer-outlook-report/</loc><mobile:mobile></mobile:mobile><lastmod>2011-07-29T16:13:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/07/27/housing-starts-increase-in-june-2011/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/07/central-toronto-real-estate-cmhc-housing-starts.png</image:loc><image:title>Central Toronto Real Estate CMHC Housing Starts</image:title><image:caption>Housing Starts from the Canada Mortgage and Housing Corporation. </image:caption></image><lastmod>2011-07-29T16:05:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/07/25/canadian-home-sales-increase-in-june-crea/</loc><mobile:mobile></mobile:mobile><lastmod>2011-07-25T20:10:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/07/22/one-bloor-in-toronto-breaks-ground/</loc><mobile:mobile></mobile:mobile><lastmod>2011-07-19T19:50:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/07/20/toronto-real-estate-board-sales-increase-35-in-beginning-of-july/</loc><mobile:mobile></mobile:mobile><lastmod>2011-07-19T17:09:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/07/18/canadian-eco-energy-renovation-program-renewed/</loc><mobile:mobile></mobile:mobile><lastmod>2011-07-18T19:28:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/07/15/new-city-of-toronto-website-lets-you-compare-neighbourhoods/</loc><mobile:mobile></mobile:mobile><lastmod>2011-07-13T21:00:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/07/13/investment-potential-of-recreational-properties-looks-good-to-buyers-royal-lepage-survey/</loc><mobile:mobile></mobile:mobile><lastmod>2011-07-13T17:51:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/07/11/toronto-real-estate-board-market-report-for-june-2011/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/07/central-toronto-real-estate-june-2011-treb-report.png</image:loc><image:title>Central Toronto Real Estate June 2011 TREB Report</image:title><image:caption>A breakdown of units sold by type from the Toronto Real Estate June 2011 Market Report.</image:caption></image><lastmod>2011-07-11T17:23:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/07/01/torontos-summerlicious-is-almost-here/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/06/summerlicious2011.jpg</image:loc><image:title>summerlicious2011</image:title></image><lastmod>2011-06-26T22:53:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/29/greater-toronto-area-real-estate-up-in-june/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/06/central-toronto-real-estate-june-treb.png</image:loc><image:title>Central Toronto Real Estate June TREB</image:title><image:caption>Toronto Real Estate Board stats for the first two weeks of June 2011.</image:caption></image><lastmod>2011-06-26T22:31:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/27/canadian-real-estate-sales-stable-in-may/</loc><mobile:mobile></mobile:mobile><lastmod>2011-06-26T21:47:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/26/more-canadian-home-buyers-taking-to-the-internet-for-research/</loc><mobile:mobile></mobile:mobile><lastmod>2011-06-26T00:36:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/24/bridge-financing-%e2%80%93-a-solution-when-buy-and-sell-dates-don%e2%80%99t-overlap/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/06/central-toronto-real-estate-bridge-financing.jpg</image:loc><image:title>Central Toronto Real Estate Bridge Financing</image:title></image><lastmod>2011-06-24T23:27:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/24/first-time-canadian-real-estate-buyers-making-some-big-mistakes-in-2011/</loc><mobile:mobile></mobile:mobile><lastmod>2011-06-24T23:26:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/21/first-time-toronto-real-estate-buyers-looking-for-rental-units/</loc><mobile:mobile></mobile:mobile><lastmod>2011-06-20T22:03:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/20/half-of-first-time-buyers-will-not-compromise-on-home-price/</loc><mobile:mobile></mobile:mobile><lastmod>2011-06-20T19:30:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/16/ecoenergy-retrofit-rebate-program-returning/</loc><mobile:mobile></mobile:mobile><lastmod>2011-06-15T01:59:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/13/would-you-save-more-with-a-fixed-or-variable-rate-mortgage-rate-simulator/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/06/central-toronto-real-estate-variable-1.png</image:loc><image:title>Central Toronto Real Estate Variable Mortgage 1</image:title><image:caption>Click for full size.</image:caption></image><lastmod>2011-06-13T15:00:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/10/most-canadians-renovating-to-sell-their-homes/</loc><mobile:mobile></mobile:mobile><lastmod>2011-06-08T15:19:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/08/ground-breaking-at-torontos-underpass-park/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/06/central-toronto-real-estate-underpass-park.jpg</image:loc><image:title>Central Toronto Real Estate Underpass Park</image:title><image:caption>A rendering of Underpass Park from Waterfront Toronto. </image:caption></image><lastmod>2011-06-08T15:15:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/07/canada-mortgage-and-housing-corporation-revises-sales-forecast/</loc><mobile:mobile></mobile:mobile><lastmod>2011-06-06T16:29:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/06/01/waterfront-blues-festival-in-toronto-this-weekend/</loc><mobile:mobile></mobile:mobile><lastmod>2011-06-01T18:27:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/30/mortgages-for-co-op-and-co-ownership-properties/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-31T21:52:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/29/the-5-best-and-worst-buildings-in-toronto/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-27T00:38:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/27/while-market-dips-high-end-toronto-real-estate-sees-best-april-ever/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/05/central-toronto-real-estate-crea-chart-april-2011.png</image:loc><image:title>Central Toronto Real Estate CREA Chart April 2011</image:title><image:caption>The Canadian Real Estate Association's April 2011 Chart. </image:caption></image><lastmod>2011-05-27T00:24:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/26/first-time-buyers-driving-canadian-real-estate-market/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-26T23:09:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/23/cashing-in-on-spring-cleaning/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-26T20:57:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/20/toronto-real-estate-board-mid-month-mls-figures/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/05/central-toronto-real-estate-treb-stats-may-2011.png</image:loc><image:title>Central Toronto Real Estate TREB stats May 2011</image:title><image:caption>Greater Toronto Area MLS Statistics from the Toronto Real Estate Board</image:caption></image><lastmod>2011-05-20T01:09:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/16/canadian-real-estate-association-adjusts-forecast-for-the-better/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-16T15:06:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/14/5-top-outdoor-patios-in-toronto/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-13T16:25:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/13/home-buyer-beware-when-going-it-alone-%e2%80%93-buying-a-home-in-toronto/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/05/money-house.gif</image:loc><image:title>money house</image:title></image><lastmod>2011-05-13T12:08:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/13/top-10-tips-for-selling-your-central-toronto-real-estate-this-spring-from-royal-lepage/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-13T11:44:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/11/no-new-mortgage-rules-for-canadians/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-11T17:24:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/09/follow-the-five-best-buildings-in-toronto-this-week/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-09T18:27:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/06/is-this-the-last-good-spring-housing-market-toronto-homes-for-sale/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-06T11:21:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/08/toronto-real-estate-board-market-statistics-for-april-2011/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-05T21:21:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/05/margaret-atwood-revisits-bennington-heights/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/05/photo_with_ma-edited.jpg</image:loc><image:title>Photo_with_MA-edited</image:title></image><lastmod>2011-05-05T20:56:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/05/fixed-or-variable-a-personal-choice/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-05T15:35:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/04/spring-buying-tips-for-toronto-homebuyers/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-03T18:21:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/03/consumer-confidence-in-the-canadian-housing-market-high/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-02T15:55:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/05/02/central-toronto-housing-market-update-spring-2011/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-04T05:37:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/29/the-power-of-prepayment/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/04/central-toronto-real-estate-dave-larock-prepayment-chart.jpg</image:loc><image:title>Central Toronto Real Estate Dave Larock Prepayment Chart</image:title><image:caption>Mortgage Pre-Payment Chart by Dave Larock. Click for full size.</image:caption></image><lastmod>2011-04-28T14:54:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/27/torontos-ontario-place-celebrates-40th-anniversary-with-free-admission/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-28T14:49:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/25/toronto-real-estate-market-jumps-in-first-quarter/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-28T14:48:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/22/how-much-home-can-you-afford/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-22T20:01:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/21/the-huge-hidden-cost-in-most-canadian-mortgages-and-how-to-easily-avoid-it/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-20T15:50:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/24/does-the-basement-apartment-comply-with-retrofit-requirements-or-not/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-27T13:57:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/23/heritage-toronto-walks-how-railways-shaped-toronto/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/04/railway-lecture.gif</image:loc><image:title>Railway lecture</image:title></image><lastmod>2011-04-20T14:38:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/20/treb-market-watch-%e2%80%93-march-2011/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-20T13:25:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/19/half-of-younger-canadian-homebuyers-planning-on-buying-next-year/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-19T16:58:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/johnston-daniel-division/</loc><mobile:mobile></mobile:mobile><lastmod>2011-10-12T12:29:52+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://muddyyork.com/2011/04/14/td-economics-bank-of-canada-remains-on-hold-but-sets-the-stage-for-near-term-hikes/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-14T11:27:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/13/spring-cleaning-in-toronto-toronto-garbage-pickup/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-14T13:56:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/11/how-much-value-do-renovations-add-to-your-toronto-home-before-selling/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-11T18:43:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/18/title-insurance-explained-part-4-of-4/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-08T23:38:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/16/title-insurance-explained-part-3-of-4/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-08T23:38:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/12/title-insurance-explained-part-2-of-4/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-08T23:36:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/09/title-insurance-explained-part-1-of-4/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-08T23:36:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/08/even-though-march-toronto-real-estate-sales-decrease-second-best-march-on-record-treb/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-08T16:41:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/07/how-many-toronto-homeowners-move-because-of-their-neighbours/</loc><mobile:mobile></mobile:mobile><lastmod>2011-05-04T02:12:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/04/05/almost-half-of-canadians-consider-advice-from-an-expert-like-a-real-estate-agent-before-buying-rbc/</loc><mobile:mobile></mobile:mobile><lastmod>2011-04-05T17:04:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/30/toronto-real-estate-board-releases-video-for-homebuyers/</loc><mobile:mobile></mobile:mobile><lastmod>2011-03-30T20:45:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/28/the-best-mortgage-rate-no-one-is-talking-about/</loc><mobile:mobile></mobile:mobile><lastmod>2011-03-28T17:57:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/25/keeping-your-toronto-luxury-home-safe-and-sound-preventing-break-ins/</loc><mobile:mobile></mobile:mobile><lastmod>2011-03-24T18:30:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/24/royal-lepage-national-garage-sale-takes-place-may-14th/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/03/central-toronto-real-estate-royal-lepage-garage-sale.png</image:loc><image:title>Central Toronto Real Estate Royal LePage Garage Sale</image:title><image:caption>The Royal LePage Garage Sale in Toronto is on May 14th. </image:caption></image><lastmod>2011-04-11T17:28:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/21/canadian-real-estate-association-reports-average-february-sales/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/03/central-toronto-real-estate-crea-feb-2011.png</image:loc><image:title>Central Toronto Real Estate CREA Feb 2011</image:title><image:caption>CREA compares housing sales for the past few months with the average for the last 5 years. Click for full-size. </image:caption></image><lastmod>2011-03-21T17:53:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/18/toronto-real-estate-board-stats-for-start-of-march-2011/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/03/central-toronto-real-estate-treb-market-stats-march-2011.png</image:loc><image:title>Central Toronto Real Estate TREB Market Stats March 2011</image:title></image><lastmod>2011-03-17T20:06:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/16/condo-insurance-%e2%80%93-are-you-properly-covered/</loc><mobile:mobile></mobile:mobile><lastmod>2011-03-16T16:32:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/11/canadian-homeowners-confident-about-their-mortgages/</loc><mobile:mobile></mobile:mobile><lastmod>2011-03-09T18:32:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/09/new-canadian-mortgage-rules-come-into-effect-in-nine-days/</loc><mobile:mobile></mobile:mobile><lastmod>2011-03-09T17:45:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/07/toronto-real-estate-board-stats-for-february-2011/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/03/central-toronto-real-estate-feb-2011-treb.png</image:loc><image:title>Central Toronto Real Estate Feb 2011 TREB</image:title><image:caption>A breakdown of Toronto real estate sales for February 2011.</image:caption></image><lastmod>2011-03-07T18:21:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/06/how-to-get-the-lowest-interest-rate-on-your-toronto-mortgage/</loc><mobile:mobile></mobile:mobile><lastmod>2011-03-06T23:09:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/04/treb-market-watch-february-2011/</loc><mobile:mobile></mobile:mobile><lastmod>2011-03-04T19:27:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/03/02/buying-central-toronto-real-estate-with-eifs-exterior-insulation-finish-systems/</loc><mobile:mobile></mobile:mobile><lastmod>2011-03-02T22:17:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/02/26/selling-toronto-real-estate-and-leaky-basements/</loc><mobile:mobile></mobile:mobile><lastmod>2011-02-26T16:11:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/02/23/ontario-home-energy-savings-program-drawing-to-a-close/</loc><mobile:mobile></mobile:mobile><lastmod>2011-03-01T00:57:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/02/21/toronto-home-sales-spike-before-new-mortgage-rules-implemented/</loc><mobile:mobile></mobile:mobile><lastmod>2011-02-21T22:33:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/02/17/its-moving-day/</loc><mobile:mobile></mobile:mobile><lastmod>2011-02-17T13:52:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/02/16/2011-family-day-events-in-toronto/</loc><mobile:mobile></mobile:mobile><lastmod>2011-02-15T20:29:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/02/15/toronto-home-sales-lead-canada-sales-growth-in-january/</loc><mobile:mobile></mobile:mobile><lastmod>2011-02-15T19:05:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/02/14/canadian-real-estate-association-updates-forecast/</loc><mobile:mobile></mobile:mobile><lastmod>2011-02-14T17:44:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/02/09/valentines-day-events-and-date-ideas-in-toronto/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/02/central-toronto-real-estate-valentines-day.jpg</image:loc><image:title>Central Toronto Real Estate Valentines Day</image:title><image:caption>Looking for date ideas or ways to spend your Valentine's Day in Toronto?</image:caption></image><lastmod>2011-02-09T17:26:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/02/07/canadian-building-permits-increase-in-value-in-2010/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/02/central-toronto-real-estate-housing-starts-dec-2010.png</image:loc><image:title>Central Toronto Real Estate Housing Starts Dec 2010</image:title><image:caption>December Housing Starts from the Canada Mortgage and Housing Corporation.</image:caption></image><lastmod>2011-02-07T17:16:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/02/06/home-renovations-101/</loc><mobile:mobile></mobile:mobile><lastmod>2011-02-16T00:23:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/02/05/central-toronto-real-estate-market-off-to-a-good-start/</loc><mobile:mobile></mobile:mobile><lastmod>2011-02-05T17:22:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/02/04/toronto-homeowners-information-lead-vs-galvanized-pipes/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/02/central-toronto-real-estate-toronto-lead-pipe-program.png</image:loc><image:title>Central Toronto Real Estate Toronto Lead Pipe Program</image:title><image:caption>The City of Toronto will replace your lead water service connection for free.</image:caption></image><lastmod>2011-02-05T14:38:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/31/winter-mortgage-market-update/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/01/central-toronto-real-estate-dave-larock.png</image:loc><image:title>Central Toronto Real Estate Dave Larock</image:title><image:caption>Dave Larock presents his take on getting the lowest mortgage rate.</image:caption></image><lastmod>2011-02-06T14:10:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/29/2953/</loc><mobile:mobile></mobile:mobile><lastmod>2011-01-28T13:13:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/28/over-3-million-canadians-participated-in-the-home-renovation-tax-credit/</loc><mobile:mobile></mobile:mobile><lastmod>2011-02-02T12:49:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/26/more-new-toronto-homes-in-2010/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/01/central-toronto-real-estate-housing-starts-2010.png</image:loc><image:title>Central Toronto Real Estate Housing Starts 2010</image:title><image:caption>Year-over-year housing starts in Toronto. </image:caption></image><lastmod>2011-01-25T21:09:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/24/toronto-condominium-sales-break-records-in-2010/</loc><mobile:mobile></mobile:mobile><lastmod>2011-01-24T21:50:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/21/toronto-real-estate-scams-to-avoid-part-4-property-flipping/</loc><mobile:mobile></mobile:mobile><lastmod>2011-01-22T16:31:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/19/toronto-real-estate-scams-to-avoid-part-3-straw-buyers/</loc><mobile:mobile></mobile:mobile><lastmod>2011-01-31T17:49:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/18/new-mortgage-rules-announced-for-canadian-home-buyers/</loc><mobile:mobile></mobile:mobile><lastmod>2011-01-17T21:36:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/17/commentary-by-karen-anthony-demand-for-realtors-remain-strong-is-justifiable/</loc><mobile:mobile></mobile:mobile><lastmod>2011-01-16T18:58:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/16/the-little-house-in-the-valley-don-mills/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/01/donmill-2011-2.gif</image:loc><image:title>Donmill.2011.2</image:title></image><lastmod>2011-01-16T18:46:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/14/common-real-estate-scams-to-avoid-part-2-renovation-and-improvement-scams/</loc><mobile:mobile></mobile:mobile><lastmod>2011-01-14T17:27:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/13/common-real-estate-scams-to-avoid-online-listing-scams/</loc><mobile:mobile></mobile:mobile><lastmod>2011-01-14T16:48:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/12/torontos-annual-winterlicious-food-festival/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/01/central-toronto-real-estate-winterlicious.png</image:loc><image:title>Central-Toronto-Real-Estate-Winterlicious</image:title><image:caption>Toronto's Annual Winterlicious festival begins at the end of the month. </image:caption></image><lastmod>2011-01-12T16:14:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/10/royal-lepage-strengthening-economic-recovery-and-low-interest-rates-point-to-a-stronger-than-anticipated-2011-for-housing-market/</loc><mobile:mobile></mobile:mobile><lastmod>2011-01-10T18:06:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/07/removing-abandoned-underground-fuel-tanks-in-ontario/</loc><mobile:mobile></mobile:mobile><lastmod>2011-01-07T02:21:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/08/vermiculite-insulation-in-toronto-what-is-it-and-whats-the-problem/</loc><mobile:mobile></mobile:mobile><lastmod>2011-01-07T00:55:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/06/ed%e2%80%99s-cry-for-help-%e2%80%93-are-more-changes-to-mortgage-rules-coming/</loc><mobile:mobile></mobile:mobile><lastmod>2011-01-06T12:38:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/04/renovating-to-sell-your-home-in-toronto-top-renovations/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2011/01/central-toronto-real-estate-cost-vs-value.png</image:loc><image:title>Central-Toronto-Real-Estate-Cost-Vs-Value</image:title><image:caption>The 8-year Cost Vs. Value trends for renovations and remodels. </image:caption></image><lastmod>2011-02-01T18:54:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/31/renovation-contracts-in-toronto-making-sure-everything-goes-smoothly/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-31T15:03:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/29/all-about-torontos-underground-city-path/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-31T15:00:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/24/the-city-of-toronto-and-building-permits/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-31T14:58:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2011/01/01/the-2011-prognosis-for-the-central-toronto-real-estate-market/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-31T13:34:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/28/outlook-for-toronto-real-estate-in-2011/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-28T20:22:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/22/new-qualifications-for-home-inspectors-in-ontario/</loc><mobile:mobile></mobile:mobile><lastmod>2011-07-17T16:44:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/20/living-in-toronto-and-vacation-properties/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-20T20:01:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/17/ontario-real-estate-sales-to-rise-in-2011/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-16T21:27:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/15/buying-a-home-during-the-holiday-season/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-14T22:55:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/13/canadian-real-estate-association-creating-new-way-to-measure-the-market/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-13T20:21:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/12/home-staging-tips-by-claire-gordon/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-12T01:53:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/18/status-certificates-discussed-claire-gordon/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-12T01:52:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/25/what-is-the-difference-between-a-lease-and-a-month-to-month-agreement/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-12T01:51:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/11/could-a-25-year-amortization-maximum-become-reality/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-09T01:40:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/08/toronto-housing-trends-and-affordability-report-released/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2010/12/muddyyork-rbcaffordability.png</image:loc><image:title>MuddyYork-RBCaffordability</image:title><image:caption>Affordability numbers for homes in Toronto and other cities. </image:caption></image><lastmod>2010-12-08T19:55:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/06/torontos-october-home-sales-surged-thanks-to-condos/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-06T16:05:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/03/toronto-homes-have-lower-radon-risk-health-canada/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-02T18:27:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/12/02/2809/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2010/12/title-insurance.gif</image:loc><image:title>Title 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0</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/07/19/thoughts-on-home-inspections/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-16T18:31:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/07/18/life-in-north-york/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-16T18:27:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/07/17/when-should-i-plant-my-vegetable-garden-in-toronto/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-16T18:24:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/07/16/new-toronto-island-tunnel-could-begin-construction-spring-2011/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-16T17:47:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/07/14/buying-a-house-interested-in-the-impact-of-hst/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-13T12:36:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/07/13/4-reasons-a-buyer-should-sign-a-buyer-representation-agreement-b-r-a/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-13T12:23:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/07/12/why-renovate-your-toronto-home/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-13T18:10:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/07/11/home-inspection-include-or-exclude/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-09T12:06:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/07/10/new-effort-promises-to-help-canadians-learn-more-about-mortgages/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-09T12:00:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://muddyyork.com/2010/07/09/hst-has-arrived/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://centraltorontorealestate.files.wordpress.com/2010/07/hst-arrived.gif</image:loc><image:title>Hst 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