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    <loc>https://www.simplifymtd.com/</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <!-- About -->
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    <loc>https://www.simplifymtd.com/about</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- Contact -->
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    <loc>https://www.simplifymtd.com/contact</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- Training — hidden, re-enable when ready -->
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    <lastmod>2026-04-10</lastmod>
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  <!-- News & Guides index -->
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    <lastmod>2026-04-14</lastmod>
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  <!-- Guide articles -->
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    <loc>https://www.simplifymtd.com/news-guides/making-tax-digital-for-landlords</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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    <lastmod>2026-04-10</lastmod>
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    <loc>https://www.simplifymtd.com/news-guides/mtd-quarterly-reporting</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.simplifymtd.com/news-guides/mtd-final-declaration</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.simplifymtd.com/news-guides/mtd-software-landlords</loc>
    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://www.simplifymtd.com/news-guides/mtd-spreadsheets-landlords</loc>
    <lastmod>2026-04-10</lastmod>
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  <url>
    <loc>https://www.simplifymtd.com/news-guides/landlord-expenses-uk</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.simplifymtd.com/news-guides/mtd-penalties-landlords</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.simplifymtd.com/news-guides/do-landlords-need-accountant-mtd</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://www.simplifymtd.com/news-guides/prepare-for-mtd-landlords</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://www.simplifymtd.com/news-guides/joint-property-making-tax-digital</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.simplifymtd.com/news-guides/mtd-simplified-reporting-landlords</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.simplifymtd.com/news-guides/joining-mtd-mid-year-or-start-of-tax-year</loc>
    <lastmod>2026-04-14</lastmod>
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    <loc>https://www.simplifymtd.com/news-guides/ceasing-property-mtd</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <!-- FAQ -->
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    <loc>https://www.simplifymtd.com/faq</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Accessibility -->
  <url>
    <loc>https://www.simplifymtd.com/accessibility-statement</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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