<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Homepage -->
  <url>
    <loc>https://ivafacts.co.uk/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- What is an IVA Section -->
  <url>
    <loc>https://ivafacts.co.uk/what-is-an-iva/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/what-is-an-iva/pros-cons/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/what-is-an-iva/eligibility/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/what-is-an-iva/costs/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/what-is-an-iva/credit-score/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/what-is-an-iva/consequences/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Debt Solutions Section -->
  <url>
    <loc>https://ivafacts.co.uk/debt-solutions/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/debt-solutions/iva-vs-bankruptcy/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/debt-solutions/iva-vs-dro/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/debt-solutions/iva-vs-dmp/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/debt-solutions/comparison-table/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/debt-solutions/iva-vs-trust-deed/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- IVA Process -->
  <url>
    <loc>https://ivafacts.co.uk/iva-process/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/iva-process/initial-assessment/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/iva-process/choosing-ip/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/iva-process/proposal/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/iva-process/creditors-meeting/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/iva-process/approved-living/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/iva-process/completion-failure/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Calculators Section -->
  <url>
    <loc>https://ivafacts.co.uk/calculators/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/calculators/eligibility/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/calculators/monthly-payment/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/calculators/solution-comparator/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/calculators/cost-breakdown/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Resources -->
  <url>
    <loc>https://ivafacts.co.uk/glossary/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/faq/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Contact -->
  <url>
    <loc>https://ivafacts.co.uk/contact/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://ivafacts.co.uk/disclaimer/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/privacy-policy/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/cookies-policy/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://ivafacts.co.uk/terms-of-use/</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
