<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
<url><loc>https://www.mtf.co.nz/</loc><lastmod>2026-03-28</lastmod></url><url><loc>https://www.mtf.co.nz/personal-loans/</loc><lastmod>2025-07-01</lastmod></url><url><loc>https://www.mtf.co.nz/personal-loans/understand-your-personal-loan/</loc><lastmod>2025-10-21</lastmod></url><url><loc>https://www.mtf.co.nz/personal-loans/behind-on-payments/</loc><lastmod>2024-11-27</lastmod></url><url><loc>https://www.mtf.co.nz/personal-loans/debt-consolidation/</loc><lastmod>2024-11-28</lastmod></url><url><loc>https://www.mtf.co.nz/personal-loans/home-improvement-loans/</loc><lastmod>2024-11-27</lastmod></url><url><loc>https://www.mtf.co.nz/personal-loans/travel-and-holiday-loans/</loc><lastmod>2024-11-27</lastmod></url><url><loc>https://www.mtf.co.nz/personal-loans/wedding-loans/</loc><lastmod>2024-11-27</lastmod></url><url><loc>https://www.mtf.co.nz/small-business-loans/</loc><lastmod>2024-11-28</lastmod></url><url><loc>https://www.mtf.co.nz/small-business-loans/business-loans/</loc><lastmod>2024-12-16</lastmod></url><url><loc>https://www.mtf.co.nz/small-business-loans/business-vehicle-loans/</loc><lastmod>2023-03-02</lastmod></url><url><loc>https://www.mtf.co.nz/small-business-loans/understand-your-business-loan/</loc><lastmod>2025-10-21</lastmod></url><url><loc>https://www.mtf.co.nz/small-business-loans/operating-lease/</loc><lastmod>2022-01-17</lastmod></url><url><loc>https://www.mtf.co.nz/small-business-loans/finance-lease/</loc><lastmod>2022-01-17</lastmod></url><url><loc>https://www.mtf.co.nz/about/</loc><lastmod>2025-07-14</lastmod></url><url><loc>https://www.mtf.co.nz/about/investors/</loc><lastmod>2025-12-08</lastmod></url><url><loc>https://www.mtf.co.nz/about/become-mtf-finance-dealer/</loc><lastmod>2025-10-24</lastmod></url><url><loc>https://www.mtf.co.nz/about/become-mtf-finance-dealer/ownership-of-your-own-finance-company/</loc><lastmod>2026-03-10</lastmod></url><url><loc>https://www.mtf.co.nz/about/become-mtf-finance-dealer/non-recourse-with-mtf-finance/</loc><lastmod>2026-03-10</lastmod></url><url><loc>https://www.mtf.co.nz/about/start-mtf-finance-franchise/</loc><lastmod>2025-06-12</lastmod></url><url><loc>https://www.mtf.co.nz/about/board-directors/</loc><lastmod>2026-02-23</lastmod></url><url><loc>https://www.mtf.co.nz/about/promotions/</loc><lastmod>2026-03-27</lastmod></url><url><loc>https://www.mtf.co.nz/about/promotions/2022-itm-auckland-supersprint/</loc><lastmod>2022-12-08</lastmod></url><url><loc>https://www.mtf.co.nz/about/promotions/mtf-share-your-moment-promotion-2025/</loc><lastmod>2025-12-04</lastmod></url><url><loc>https://www.mtf.co.nz/about/history/</loc><lastmod>2024-05-29</lastmod></url><url><loc>https://www.mtf.co.nz/about/senior-leadership-team/</loc><lastmod>2026-03-25</lastmod></url><url><loc>https://www.mtf.co.nz/about/partnerships/</loc><lastmod>2025-03-04</lastmod></url><url><loc>https://www.mtf.co.nz/contact/</loc><lastmod>2023-10-03</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/</loc><lastmod>2025-07-16</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-ashburton/</loc><lastmod>2025-06-19</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-blenheim/</loc><lastmod>2024-12-06</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-botany/</loc><lastmod>2025-07-23</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-cambridge/</loc><lastmod>2024-12-06</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-carlton-corner/</loc><lastmod>2026-03-27</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-central-otago/</loc><lastmod>2026-02-20</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-dunedin/</loc><lastmod>2026-04-02</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-dunedin-south/</loc><lastmod>2025-09-03</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-first-avenue/</loc><lastmod>2026-01-27</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-fraser-street/</loc><lastmod>2026-02-17</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-gisborne/</loc><lastmod>2025-08-29</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-hamilton/</loc><lastmod>2026-02-03</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-hamilton-west/</loc><lastmod>2025-06-13</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-hastings/</loc><lastmod>2025-11-25</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-henderson/</loc><lastmod>2026-04-01</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-hornby/</loc><lastmod>2026-01-28</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-invercargill/</loc><lastmod>2025-04-15</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-kapiti/</loc><lastmod>2025-09-22</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-lower-hutt/</loc><lastmod>2026-01-14</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-manukau/</loc><lastmod>2025-06-27</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-masterton/</loc><lastmod>2025-12-17</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-matamata/</loc><lastmod>2026-04-01</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-moorhouse-avenue/</loc><lastmod>2025-10-29</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-mt-maunganui/</loc><lastmod>2025-10-20</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-mt-victoria/</loc><lastmod>2026-04-01</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-mt-wellington/</loc><lastmod>2025-12-16</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-napier/</loc><lastmod>2025-12-19</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-nelson/</loc><lastmod>2024-12-06</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-new-lynn/</loc><lastmod>2025-02-12</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-new-plymouth/</loc><lastmod>2025-09-25</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-papanui/</loc><lastmod>2026-03-13</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-palmerston-north/</loc><lastmod>2026-03-31</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-penrose/</loc><lastmod>2026-01-15</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-pukekohe/</loc><lastmod>2026-03-05</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-rangiora/</loc><lastmod>2026-02-03</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-rotorua/</loc><lastmod>2025-10-07</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-silverdale/</loc><lastmod>2025-09-05</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-takanini/</loc><lastmod>2026-01-19</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-te-awamutu/</loc><lastmod>2026-03-13</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-thorndon/</loc><lastmod>2026-01-22</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-timaru/</loc><lastmod>2026-03-11</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-wairau-valley/</loc><lastmod>2026-02-19</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-whakatane/</loc><lastmod>2026-03-23</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-whangarei/</loc><lastmod>2025-12-22</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-mt-eden/</loc><lastmod>2026-03-31</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-upper-hutt/</loc><lastmod>2025-05-20</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-whanganui/</loc><lastmod>2025-07-25</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-rolleston/</loc><lastmod>2026-03-11</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-kerikeri/</loc><lastmod>2025-12-16</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-kumeu/</loc><lastmod>2026-03-24</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-taupo/</loc><lastmod>2026-02-17</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-richmond/</loc><lastmod>2025-08-21</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-howick-pakuranga/</loc><lastmod>2026-03-04</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-albany/</loc><lastmod>2026-02-05</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-finance-te-rapa/</loc><lastmod>2026-03-11</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-franchise/mtf-m%C4%81ngere/</loc><lastmod>2025-07-10</lastmod></url><url><loc>https://www.mtf.co.nz/contact/find-dealer/</loc><lastmod>2023-10-25</lastmod></url><url><loc>https://www.mtf.co.nz/contact/finance-east-auckland/</loc><lastmod>2025-07-31</lastmod></url><url><loc>https://www.mtf.co.nz/contact/finance-bay-of-plenty/</loc><lastmod>2025-04-16</lastmod></url><url><loc>https://www.mtf.co.nz/contact/finance-waikato/</loc><lastmod>2024-11-05</lastmod></url><url><loc>https://www.mtf.co.nz/contact/finance-in-dunedin/</loc><lastmod>2025-03-06</lastmod></url><url><loc>https://www.mtf.co.nz/contact/franchise_canterbury/</loc><lastmod>2025-07-25</lastmod></url><url><loc>https://www.mtf.co.nz/contact/finance-auckland/</loc><lastmod>2025-07-30</lastmod></url><url><loc>https://www.mtf.co.nz/contact/wellington/</loc><lastmod>2025-10-13</lastmod></url><url><loc>https://www.mtf.co.nz/resources/</loc><lastmod>2022-06-15</lastmod></url><url><loc>https://www.mtf.co.nz/resources/interest-rates-and-fees/</loc><lastmod>2026-02-02</lastmod></url><url><loc>https://www.mtf.co.nz/resources/payment-waiver/</loc><lastmod>2025-02-12</lastmod></url><url><loc>https://www.mtf.co.nz/resources/loan-repayments/</loc><lastmod>2023-09-25</lastmod></url><url><loc>https://www.mtf.co.nz/resources/cant-make-payment/</loc><lastmod>2023-09-19</lastmod></url><url><loc>https://www.mtf.co.nz/resources/save-car-running-costs/</loc><lastmod>2023-09-11</lastmod></url><url><loc>https://www.mtf.co.nz/resources/how-buy-car/</loc><lastmod>2023-02-13</lastmod></url><url><loc>https://www.mtf.co.nz/resources/how-sell-car/</loc><lastmod>2020-07-03</lastmod></url><url><loc>https://www.mtf.co.nz/resources/insurance/</loc><lastmod>2024-06-12</lastmod></url><url><loc>https://www.mtf.co.nz/resources/loan-calculator/</loc><lastmod>2025-05-15</lastmod></url><url><loc>https://www.mtf.co.nz/resources/buying-car/</loc><lastmod>2024-03-25</lastmod></url><url><loc>https://www.mtf.co.nz/resources/bankstatements/</loc><lastmod>2023-03-07</lastmod></url><url><loc>https://www.mtf.co.nz/resources/privacy-policy/</loc><lastmod>2025-03-28</lastmod></url><url><loc>https://www.mtf.co.nz/resources/our-application-process/</loc><lastmod>2024-12-17</lastmod></url><url><loc>https://www.mtf.co.nz/resources/motor-vehicle-register-privacy/</loc><lastmod>2025-06-25</lastmod></url><url><loc>https://www.mtf.co.nz/blog/</loc><lastmod>2024-02-29</lastmod></url><url><loc>https://www.mtf.co.nz/blog/electric-vehicles/electric-vehicles-new-zealand-ready/</loc><lastmod>2021-12-03</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/credit-reports-and-how-we-use-them/</loc><lastmod>2021-12-03</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/managing-your-loans-in-a-pandemic-let-us-help/</loc><lastmod>2021-10-06</lastmod></url><url><loc>https://www.mtf.co.nz/blog/personal-success/level-while-nz-levels-down/</loc><lastmod>2021-10-06</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/protection-against-unexpected/</loc><lastmod>2021-10-06</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/finance-jargon-buster/</loc><lastmod>2023-11-09</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/our-loan-eligibility-criteria/</loc><lastmod>2023-12-19</lastmod></url><url><loc>https://www.mtf.co.nz/blog/out-and-about-aotearoa/top-ten-south-island-road-trips/</loc><lastmod>2021-10-06</lastmod></url><url><loc>https://www.mtf.co.nz/blog/out-and-about-aotearoa/top-five-new-zealand-north-island-road-trips/</loc><lastmod>2023-03-02</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/introducing-our-new-plain-english-loan-agreement/</loc><lastmod>2023-07-05</lastmod></url><url><loc>https://www.mtf.co.nz/blog/out-and-about-aotearoa/5-affordable-easter-getaway-ideas/</loc><lastmod>2023-08-16</lastmod></url><url><loc>https://www.mtf.co.nz/blog/supporting-our-communities/getting-more-involved-your-local-community/</loc><lastmod>2021-12-03</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/vehicle-finance-myths-busted/</loc><lastmod>2023-03-02</lastmod></url><url><loc>https://www.mtf.co.nz/blog/vehicle-care/winter-vehicle-check/</loc><lastmod>2021-10-06</lastmod></url><url><loc>https://www.mtf.co.nz/blog/cars/car-for-the-whole-family/</loc><lastmod>2021-10-21</lastmod></url><url><loc>https://www.mtf.co.nz/blog/future-legends-scholarship/john-hopcroft-building-global-platform/</loc><lastmod>2023-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/blog/future-legends-scholarship/cory-newman-music-no-limits/</loc><lastmod>2023-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/blog/future-legends-scholarship/claudia-kelly-overcoming-challenges/</loc><lastmod>2023-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/driving-business-forward/</loc><lastmod>2021-10-21</lastmod></url><url><loc>https://www.mtf.co.nz/blog/personal-success/creating-game-plan-success/</loc><lastmod>2021-10-29</lastmod></url><url><loc>https://www.mtf.co.nz/blog/future-legends-scholarship/kairos-social-enterprise/</loc><lastmod>2023-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/blog/future-legends-scholarship/analise-twemlow-musician/</loc><lastmod>2023-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/blog/future-legends-scholarship/cormac-buchanan-motorcyclist/</loc><lastmod>2023-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/is-getting-a-loan-really-any-harder/</loc><lastmod>2022-02-08</lastmod></url><url><loc>https://www.mtf.co.nz/blog/vehicle-care/protect-your-most-precious-cargo/</loc><lastmod>2023-01-04</lastmod></url><url><loc>https://www.mtf.co.nz/blog/buying-and-selling/the-right-two-wheels-for-you/</loc><lastmod>2022-04-05</lastmod></url><url><loc>https://www.mtf.co.nz/blog/supporting-our-communities/farming-and-finance/</loc><lastmod>2023-03-02</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/getting-personal-with-mtf-finance/</loc><lastmod>2025-05-01</lastmod></url><url><loc>https://www.mtf.co.nz/blog/future-legends-scholarship/catching-up-with-annalise/</loc><lastmod>2023-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/blog/future-legends-scholarship/catching-up-with-cormac/</loc><lastmod>2023-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/blog/future-legends-scholarship/catching-up-with-cory/</loc><lastmod>2023-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/blog/personal-success/planning-your-big-day-with-mtf-finance/</loc><lastmod>2022-08-01</lastmod></url><url><loc>https://www.mtf.co.nz/blog/personal-success/we-asked-an-expert-sonya-nicol-celebrant/</loc><lastmod>2022-08-29</lastmod></url><url><loc>https://www.mtf.co.nz/blog/personal-success/something-new-something-blue-and-something-borrowed/</loc><lastmod>2023-10-09</lastmod></url><url><loc>https://www.mtf.co.nz/blog/future-legends-scholarship/catching-up-with-nandini-and-charlotte/</loc><lastmod>2023-09-25</lastmod></url><url><loc>https://www.mtf.co.nz/blog/future-legends-scholarship/catching-up-with-claudia/</loc><lastmod>2023-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/blog/future-legends-scholarship/catching-up-with-john/</loc><lastmod>2022-11-01</lastmod></url><url><loc>https://www.mtf.co.nz/blog/personal-success/top-tips-for-new-riders-from-a-new-zealand-champion/</loc><lastmod>2022-09-27</lastmod></url><url><loc>https://www.mtf.co.nz/blog/personal-success/te-wiki-o-te-reo-maori/</loc><lastmod>2023-09-11</lastmod></url><url><loc>https://www.mtf.co.nz/blog/buying-and-selling/kiwis-have-rediscovered-the-perfect-holiday/</loc><lastmod>2022-10-04</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/navigating-the-common-pain-points-for-business-owners/</loc><lastmod>2022-11-02</lastmod></url><url><loc>https://www.mtf.co.nz/blog/out-and-about-aotearoa/planning-your-road-trip/</loc><lastmod>2023-03-10</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/lets-take-care-of-business-together/</loc><lastmod>2023-05-08</lastmod></url><url><loc>https://www.mtf.co.nz/blog/out-and-about-aotearoa/unforgettable-winter-adventures/</loc><lastmod>2023-06-01</lastmod></url><url><loc>https://www.mtf.co.nz/blog/personal-success/get-ahead-with-an-mtf-finance-business-loan/</loc><lastmod>2023-09-01</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/securing-your-loan-what-it-means-and-why-it-matters/</loc><lastmod>2023-11-02</lastmod></url><url><loc>https://www.mtf.co.nz/blog/personal-success/three-great-ways-to-adventure-overseas-on-a-budget/</loc><lastmod>2023-10-04</lastmod></url><url><loc>https://www.mtf.co.nz/blog/personal-success/achieving-your-2024-goals/</loc><lastmod>2023-12-06</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/get-all-your-financial-ducks-in-a-row/</loc><lastmod>2024-02-07</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/finance-your-home-improvement-and-diy-projects/</loc><lastmod>2024-03-11</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/why-use-a-mortgage-adviser/</loc><lastmod>2024-03-15</lastmod></url><url><loc>https://www.mtf.co.nz/blog/supporting-our-communities/agricultural-lending-insights-from-the-field/</loc><lastmod>2024-04-05</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/how-mortgage-interest-works/</loc><lastmod>2024-07-12</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/high-lvr-lending-low-deposit-loans/</loc><lastmod>2024-08-09</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/whats-the-difference-between-a-mortgage-broker-and-a-mortgage-adviser/</loc><lastmod>2024-10-23</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/what-size-deposit-do-you-need-to-buy-a-house-in-nz/</loc><lastmod>2025-02-04</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/what-is-a-good-debt-to-income-dti-ratio-2024-guide/</loc><lastmod>2024-11-18</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/mastering-a-home-loan-payment-calculator/</loc><lastmod>2024-11-18</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/why-isnt-this-bigger-news/</loc><lastmod>2025-07-08</lastmod></url><url><loc>https://www.mtf.co.nz/blog/Mortgage-Advice/interest-rates-inflation-and-the-economy/</loc><lastmod>2025-12-03</lastmod></url><url><loc>https://www.mtf.co.nz/apply-loan/</loc><lastmod>2021-12-03</lastmod></url><url><loc>https://www.mtf.co.nz/privacy-statement/</loc><lastmod>2025-03-28</lastmod></url><url><loc>https://www.mtf.co.nz/website-terms-and-conditions/</loc><lastmod>2023-08-07</lastmod></url><url><loc>https://www.mtf.co.nz/terms-of-use/</loc><lastmod>2019-07-04</lastmod></url><url><loc>https://www.mtf.co.nz/manage-your-account/</loc><lastmod>2022-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/covid-19-support/</loc><lastmod>2021-02-02</lastmod></url><url><loc>https://www.mtf.co.nz/covid-19-support/catchup/</loc><lastmod>2020-05-11</lastmod></url><url><loc>https://www.mtf.co.nz/next-generation-future-legends/</loc><lastmod>2023-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/next-generation-future-legends/future-legends-scholarship-winners/</loc><lastmod>2023-06-20</lastmod></url><url><loc>https://www.mtf.co.nz/vehicle-loans/</loc><lastmod>2024-04-03</lastmod></url><url><loc>https://www.mtf.co.nz/vehicle-loans/motorcycle-loans/</loc><lastmod>2024-01-17</lastmod></url><url><loc>https://www.mtf.co.nz/vehicle-loans/car-loans/</loc><lastmod>2026-03-28</lastmod></url><url><loc>https://www.mtf.co.nz/vehicle-loans/boat-and-jet-ski-loans/</loc><lastmod>2024-03-25</lastmod></url><url><loc>https://www.mtf.co.nz/vehicle-loans/caravan-and-motorhome-loans/</loc><lastmod>2023-03-02</lastmod></url><url><loc>https://www.mtf.co.nz/vehicle-loans/ev-loans/</loc><lastmod>2026-03-27</lastmod></url><url><loc>https://www.mtf.co.nz/vehicle-loans/trailer-and-horse-float-loans/</loc><lastmod>2023-03-02</lastmod></url><url><loc>https://www.mtf.co.nz/news/</loc><lastmod>2024-11-07</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/record-sales-month/</loc><lastmod>2022-09-06</lastmod></url><url><loc>https://www.mtf.co.nz/news/sponsorship/mtf-finance-future-legends-scholarship-back-for-2022/</loc><lastmod>2022-09-19</lastmod></url><url><loc>https://www.mtf.co.nz/news/people/mtf-finance-appoints-a-new-cto/</loc><lastmod>2022-09-08</lastmod></url><url><loc>https://www.mtf.co.nz/news/people/supporting-the-next-generation-of-business-leaders/</loc><lastmod>2022-09-12</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/record-year-for-mtf-finance/</loc><lastmod>2023-05-26</lastmod></url><url><loc>https://www.mtf.co.nz/news/partnerships/mtf-finance-partners-with-ami-and-tower/</loc><lastmod>2022-11-04</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/mtf-finance-release-2022-annual-report/</loc><lastmod>2022-11-23</lastmod></url><url><loc>https://www.mtf.co.nz/news/people/stu-myles-appointed-deputy-chair/</loc><lastmod>2022-11-24</lastmod></url><url><loc>https://www.mtf.co.nz/news/people/natasha-callister-appointed-chief-commercial-officer/</loc><lastmod>2023-01-12</lastmod></url><url><loc>https://www.mtf.co.nz/news/partnerships/mtf-finance-acquires-lending-people/</loc><lastmod>2023-01-26</lastmod></url><url><loc>https://www.mtf.co.nz/news/people/rowena-davenport-returns-to-lead-credit-function/</loc><lastmod>2023-01-30</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/growth-momentum-continues-to-build-for-mtf-finance/</loc><lastmod>2023-03-24</lastmod></url><url><loc>https://www.mtf.co.nz/news/partnerships/a-focus-on-the-environment-when-purchasing-new-fleet-vehicles/</loc><lastmod>2023-03-28</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/half-year-report-2023/</loc><lastmod>2023-05-30</lastmod></url><url><loc>https://www.mtf.co.nz/news/supporting-our-communities/mtf-finance-launches-national-community-volunteering-challenge/</loc><lastmod>2023-10-09</lastmod></url><url><loc>https://www.mtf.co.nz/news/awards/mtf-finance-win-excellence-in-marketing-award-at-the-grand-business-south-awards/</loc><lastmod>2024-01-17</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/annual-report-2023/</loc><lastmod>2023-11-27</lastmod></url><url><loc>https://www.mtf.co.nz/news/people/three-new-future-directors-to-join-the-mtf-finance-board-in-2024/</loc><lastmod>2023-11-27</lastmod></url><url><loc>https://www.mtf.co.nz/news/awards/mtf-finance-wins-new-zealands-2023-securitisation-deal-of-the-year/</loc><lastmod>2023-12-06</lastmod></url><url><loc>https://www.mtf.co.nz/news/awards/2023-odt-business-of-the-year/</loc><lastmod>2024-01-17</lastmod></url><url><loc>https://www.mtf.co.nz/news/partnerships/reviving-personalised-finance-and-insurance-in-local-communities-with-ami/</loc><lastmod>2024-02-26</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/grant-woolford-and-geoff-kenny-re-elected-as-shareholder-directors-of-mtf-finance/</loc><lastmod>2024-03-22</lastmod></url><url><loc>https://www.mtf.co.nz/news/awards/mtf-finance-is-an-infinz-finalist-for-excellence-in-treasury/</loc><lastmod>2024-04-12</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/half-year-report-2024/</loc><lastmod>2024-06-05</lastmod></url><url><loc>https://www.mtf.co.nz/news/supporting-our-communities/mtf-out-for-good-volunteer-day/</loc><lastmod>2024-09-04</lastmod></url><url><loc>https://www.mtf.co.nz/news/supporting-our-communities/avalon_lewis_world_championships/</loc><lastmod>2024-09-10</lastmod></url><url><loc>https://www.mtf.co.nz/news/people/mtf-finance-welcomes-zoe-anderson-as-chief-credit-officer/</loc><lastmod>2024-11-01</lastmod></url><url><loc>https://www.mtf.co.nz/news/supporting-our-communities/mtf-unveils-new-brand/</loc><lastmod>2024-11-29</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/2024-annual-report/</loc><lastmod>2024-11-29</lastmod></url><url><loc>https://www.mtf.co.nz/news/supporting-our-communities/restoring-roots/</loc><lastmod>2024-12-18</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/2025-agm-results/</loc><lastmod>2025-02-12</lastmod></url><url><loc>https://www.mtf.co.nz/news/people/2025-future-directors/</loc><lastmod>2025-08-07</lastmod></url><url><loc>https://www.mtf.co.nz/news/people/2024-mtf-dealer-award-celebration/</loc><lastmod>2025-02-19</lastmod></url><url><loc>https://www.mtf.co.nz/news/supporting-our-communities/local-legends-joel-and-beka-hintz-make-waves-for-cystic-fibrosis-awareness/</loc><lastmod>2025-02-27</lastmod></url><url><loc>https://www.mtf.co.nz/news/electric-vehicles/mtf-expands-b2b-vehicle-finance-with-cadillac-partnership/</loc><lastmod>2025-03-03</lastmod></url><url><loc>https://www.mtf.co.nz/news/awards/mtf-highly-commended-in-2025-readers-digest-most-trusted-brands-awards/</loc><lastmod>2025-05-27</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/built-to-endure-how-our-long-term-strategy-is-delivering-growth-in-tough-times/</loc><lastmod>2025-05-30</lastmod></url><url><loc>https://www.mtf.co.nz/news/partnerships/mtf-partners-with-fbl/</loc><lastmod>2025-07-14</lastmod></url><url><loc>https://www.mtf.co.nz/news/people/introducing-mtf-mangere/</loc><lastmod>2025-07-17</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/mtf-targets-growth-in-business-lending/</loc><lastmod>2025-08-15</lastmod></url><url><loc>https://www.mtf.co.nz/news/people/putting-people-first-in-finance/</loc><lastmod>2025-09-25</lastmod></url><url><loc>https://www.mtf.co.nz/news/results/annual-report-2025/</loc><lastmod>2025-11-25</lastmod></url><url><loc>https://www.mtf.co.nz/news/awards/2025-mtf-dealer-awards-celebrating-dealer-excellence-across-new-zealand/</loc><lastmod>2026-01-23</lastmod></url><url><loc>https://www.mtf.co.nz/news/people/mtf-signals-next-phase-of-growth-following-strong-fy25-performance/</loc><lastmod>2026-02-23</lastmod></url><url><loc>https://www.mtf.co.nz/news/partnerships/franchising-now-a-47b-sector-mtf-finance-joins-fanz-as-gold-partner/</loc><lastmod>2026-03-30</lastmod></url><url><loc>https://www.mtf.co.nz/applicationterms/</loc><lastmod>2023-08-15</lastmod></url><url><loc>https://www.mtf.co.nz/careers/</loc><lastmod>2026-04-02</lastmod></url><url><loc>https://www.mtf.co.nz/careers/customer-service-representative/</loc><lastmod>2024-05-16</lastmod></url><url><loc>https://www.mtf.co.nz/careers/systems-administrator-dunedin/</loc><lastmod>2023-12-07</lastmod></url><url><loc>https://www.mtf.co.nz/careers/careers-at-mtf-finance-national-office/</loc><lastmod>2024-12-05</lastmod></url><url><loc>https://www.mtf.co.nz/careers/product-manager-dunedin/</loc><lastmod>2024-06-11</lastmod></url><url><loc>https://www.mtf.co.nz/careers/area-sales-manager-lower-north/</loc><lastmod>2023-12-19</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-and-sales-specialist-richmond2/</loc><lastmod>2024-01-11</lastmod></url><url><loc>https://www.mtf.co.nz/careers/careers-at-an-mtf-finance-franchise/</loc><lastmod>2023-12-28</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-and-sales-specialist-upper-hutt/</loc><lastmod>2024-01-11</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-and-sales-specialist-albany/</loc><lastmod>2024-01-11</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-lending--sales-dunedin/</loc><lastmod>2024-01-22</lastmod></url><url><loc>https://www.mtf.co.nz/careers/collections-and-recovery-specialist/</loc><lastmod>2024-02-01</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-sales-specialist-waikato/</loc><lastmod>2024-02-14</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-and-sales-specialist-henderson/</loc><lastmod>2024-02-20</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-lending-specialist/</loc><lastmod>2024-03-01</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-lending-specialist-whangarei/</loc><lastmod>2024-03-05</lastmod></url><url><loc>https://www.mtf.co.nz/careers/risk-manager-dunedin/</loc><lastmod>2024-03-28</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-lending-specialist-takanini/</loc><lastmod>2024-03-28</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-lending-specialist-lower-hutt/</loc><lastmod>2024-04-03</lastmod></url><url><loc>https://www.mtf.co.nz/careers/business-analyst-process/</loc><lastmod>2024-04-12</lastmod></url><url><loc>https://www.mtf.co.nz/careers/software-developer/</loc><lastmod>2024-04-12</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-lending-specialist-dunedin/</loc><lastmod>2024-04-12</lastmod></url><url><loc>https://www.mtf.co.nz/careers/business-analyst-technical/</loc><lastmod>2024-04-12</lastmod></url><url><loc>https://www.mtf.co.nz/careers/bdm---wairau-valley/</loc><lastmod>2024-05-24</lastmod></url><url><loc>https://www.mtf.co.nz/careers/product-designer-dunedin/</loc><lastmod>2024-05-24</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-sales-specialist-henderson/</loc><lastmod>2024-05-30</lastmod></url><url><loc>https://www.mtf.co.nz/careers/risk-control-coordinator-dunedin/</loc><lastmod>2024-05-30</lastmod></url><url><loc>https://www.mtf.co.nz/careers/compliance-operations-coordinator/</loc><lastmod>2024-05-30</lastmod></url><url><loc>https://www.mtf.co.nz/careers/financial-analyst-dunedin/</loc><lastmod>2024-06-12</lastmod></url><url><loc>https://www.mtf.co.nz/careers/area-sales-manager-waikato/</loc><lastmod>2024-06-12</lastmod></url><url><loc>https://www.mtf.co.nz/careers/service-desk-analyst-dunedin/</loc><lastmod>2024-06-13</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-and-sales-specialist-hawkes-bay/</loc><lastmod>2024-08-05</lastmod></url><url><loc>https://www.mtf.co.nz/careers/mortgage-adviser-dunedin/</loc><lastmod>2024-08-07</lastmod></url><url><loc>https://www.mtf.co.nz/careers/partnerships-development-manager-akl/</loc><lastmod>2024-09-05</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-and-sales-specialist-thorndon/</loc><lastmod>2024-09-24</lastmod></url><url><loc>https://www.mtf.co.nz/careers/collections-specialist-dunedin/</loc><lastmod>2024-10-10</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-specialist-hamilton/</loc><lastmod>2024-11-25</lastmod></url><url><loc>https://www.mtf.co.nz/careers/systems-administrator/</loc><lastmod>2024-11-29</lastmod></url><url><loc>https://www.mtf.co.nz/careers/business-analyst-dunedin/</loc><lastmod>2024-12-19</lastmod></url><url><loc>https://www.mtf.co.nz/careers/transformation-delivery-manager-dunedin/</loc><lastmod>2025-01-17</lastmod></url><url><loc>https://www.mtf.co.nz/careers/business-analyst-technical-dunedin/</loc><lastmod>2025-01-17</lastmod></url><url><loc>https://www.mtf.co.nz/careers/bi-data-analyst-dunedin/</loc><lastmod>2025-01-17</lastmod></url><url><loc>https://www.mtf.co.nz/careers/cloud-devops-engineer-dunedin/</loc><lastmod>2025-01-17</lastmod></url><url><loc>https://www.mtf.co.nz/careers/credit-control-ledger-management/</loc><lastmod>2025-01-22</lastmod></url><url><loc>https://www.mtf.co.nz/careers/chief-risk-officer-dunedin/</loc><lastmod>2025-01-22</lastmod></url><url><loc>https://www.mtf.co.nz/careers/software-developer-dunedin/</loc><lastmod>2025-01-27</lastmod></url><url><loc>https://www.mtf.co.nz/careers/service-desk-analyst/</loc><lastmod>2025-02-13</lastmod></url><url><loc>https://www.mtf.co.nz/careers/personal-assistant-to-slt-dunedin/</loc><lastmod>2025-02-14</lastmod></url><url><loc>https://www.mtf.co.nz/careers/the-power-of-recognition-representation/</loc><lastmod>2025-02-27</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-support-albany-auckland/</loc><lastmod>2025-03-10</lastmod></url><url><loc>https://www.mtf.co.nz/careers/credit-business-lending-specialist---timaru/</loc><lastmod>2025-03-13</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-specialist-new-plymouth/</loc><lastmod>2025-03-19</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-lending-specialist-central/</loc><lastmod>2025-04-09</lastmod></url><url><loc>https://www.mtf.co.nz/careers/product-manager-dunedin-central-otago/</loc><lastmod>2025-04-17</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-sales-consultant-bay-of-plenty/</loc><lastmod>2025-05-01</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-sales-specialistcustomer-sales/</loc><lastmod>2025-05-09</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-specialist-rolleston/</loc><lastmod>2025-05-26</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-specialist-te-awamutu-waikato/</loc><lastmod>2025-06-03</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-sales-specialist-hornby/</loc><lastmod>2025-06-19</lastmod></url><url><loc>https://www.mtf.co.nz/careers/customer-service-representative-dunedin-otago/</loc><lastmod>2025-06-25</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-specialist-new-plymouth-2025/</loc><lastmod>2025-07-29</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-adviser-auckland-cbd/</loc><lastmod>2025-08-07</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-sales-specialist-canterbury/</loc><lastmod>2025-08-14</lastmod></url><url><loc>https://www.mtf.co.nz/careers/business-development-manager-lower-hutt/</loc><lastmod>2025-08-22</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-consultant-albany-auckland/</loc><lastmod>2025-09-11</lastmod></url><url><loc>https://www.mtf.co.nz/careers/quality-assurance-lead-dunedin/</loc><lastmod>2025-09-11</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-sales-specialist-bay-of-plenty/</loc><lastmod>2025-09-18</lastmod></url><url><loc>https://www.mtf.co.nz/careers/junior-lending-specialist-rangiora/</loc><lastmod>2025-10-08</lastmod></url><url><loc>https://www.mtf.co.nz/careers/marketing-co-ordinator-dunedin/</loc><lastmod>2026-01-26</lastmod></url><url><loc>https://www.mtf.co.nz/careers/lending-specialist-rolleston-canterbury/</loc><lastmod>2026-02-20</lastmod></url><url><loc>https://www.mtf.co.nz/careers/collection-specialist-dunedin/</loc><lastmod>2026-02-27</lastmod></url><url><loc>https://www.mtf.co.nz/careers/collections-recovery-coordinator_dunedin/</loc><lastmod>2026-03-11</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-sales-specialist-pukekohe/</loc><lastmod>2026-03-05</lastmod></url><url><loc>https://www.mtf.co.nz/careers/credit-analyst_dunedin/</loc><lastmod>2026-03-11</lastmod></url><url><loc>https://www.mtf.co.nz/careers/sales-and-finance-support-tauranga/</loc><lastmod>2026-03-24</lastmod></url><url><loc>https://www.mtf.co.nz/careers/admin-finance-specialist-tauranga/</loc><lastmod>2026-03-24</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-specialist-hornby-canterbury/</loc><lastmod>2026-03-30</lastmod></url><url><loc>https://www.mtf.co.nz/careers/credit-control-ledger-management-akl/</loc><lastmod>2026-03-31</lastmod></url><url><loc>https://www.mtf.co.nz/careers/finance-sales-specialist-penrose-akl/</loc><lastmod>2026-04-02</lastmod></url><url><loc>https://www.mtf.co.nz/mortgage-advice/</loc><lastmod>2025-03-18</lastmod></url><url><loc>https://www.mtf.co.nz/mortgage-disclosure/</loc><lastmod>2025-08-21</lastmod></url><url><loc>https://www.mtf.co.nz/meet-our-mortgage-advisers/</loc><lastmod>2026-03-13</lastmod></url><url><loc>https://www.mtf.co.nz/venakshis-journey/</loc><lastmod>2025-10-08</lastmod></url>
</urlset>
