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<loc>https://www.staircase.co.nz/property-investment-glossary-list/residential-mortgage-backed-security</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/residential-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/residential-real-estate</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/residential-rental-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/residential-tenancies-act</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/residential-tenancies-act-1986</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/residential-tenancy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/residents-society</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/resolution-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/resource-consent</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/resource-consents</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/restatement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/restitution</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/restrictive-covenant</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retained-earnings</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retained-earnings-adjustment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retention-of-title-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retention-policy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retire-auckland</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retire-rich</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retirement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retirement-benefit-plan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retirement-calculators</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retirement-income-planning</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retirement-planning</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retroactive-coverage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retroactive-reimbursement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/retrofit-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/return</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/return-on-assets</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/return-on-capital-employed</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/return-on-equity</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/return-on-equity-(roe)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/return-on-investment-(roi)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/revaluation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/revaluation-reserve</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/revenue</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/revenue-accruals</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/revenue-expenditure-(opex)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/revenue-forecasting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/revenue-management</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/revenue-recognition-(accrual-basis)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/revenue-recognition-principle</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/revenues</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/reverse-mortgage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/reversing-entry</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/reversion</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/revolving-credit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/revolving-credit-facility</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/rider</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/right-of-first-refusal</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/right-of-first-refusal-(rofr)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/rights-of-way</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ring-fencing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ring-fencing-losses</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ripple-effect</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/rising-interest-rate-environment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk-appetite</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk-assessment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk-management</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk-mitigation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk-of-vendor</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk-pooling</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk-tolerance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk-transfer</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk-averse</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk-based-auditing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk-weighted-assets</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risk%2Freturn-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/risks-assessment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/robo-advisor</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/robo-advisors</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/roi-(return-on-investment)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/rolling-forecast</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/rolling-tenancy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/rollover-relief</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/roof-replacement-expense-or-capital</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/routine-inspection</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/routine-inspections</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/routine-maintenance</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/routine-maintenance-schedule</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/rule-of-72</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/rv</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/s%26p</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sale-and-leaseback-accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sale-and-purchase-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sale-of-development-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sales-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sales-and-purchase-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sales-commission</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sales-contract</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/salvage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/savings</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/schedule</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/schedule-of-accounts-receivable</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/scheduled-maintenance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/scheduled-payments</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/school-zones</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/schooling-quality</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/scope-of-coverage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sea-change</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sea-change</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sea-changers</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/second-hand-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/second-mortgage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/second-tier-lender</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/section-32-statement</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/securities</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/securities-act-of-1933</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/security</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/security-(collateral)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/security-bond</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/security-deposit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/security-deposit</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/security-measures</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/security-value</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/self-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/self-insurance-fund</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/seller</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/seller-financing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sellers-agent</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sellers-disclosure</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/seller&apos;s-market</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sellers-market</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sellers-market</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/service-(the-loan)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/service-contract</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/service-level-agreement-(sla)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/serviceability</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/serviceability</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/serviced-apartments</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/servicing-fees</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/settlement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/settlement-costs</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/settlement-date</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/settlement-date</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/settlement-statement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/settlor</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/severance-package-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/shared-rental-expenses</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/shareholder</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/shareholder-continuity</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/shareholder-current-account</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/shareholder-equity</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/shareholder-equity-statement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/shareholder-resolution</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/shareholders-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/shareholders-resolution</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/shares</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/short-sale</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/short-term-debt</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/short-term-tenancy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/short-stay-accommodation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/short-term-debt</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/short-term-financing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/short-term-gain</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/short-term-health-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/short-term-investments</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/short-term-rental</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/short-term-travel-insurance</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/side-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/signature-block</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/significant-accounting-policies</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sinking-fund</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sinking-fund</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/site-plan</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/site-selection-criteria</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/slump-phase</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/soa</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/social-housing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/socio-economic-status</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/soe</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/soft-market</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sole-proprietorship-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sole-traders</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/solicitor</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/solicitors-report</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/solicitors</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sovereign-debt</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sovereign-risk</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/special-financing-and-agreements</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/special-purpose-vehicle-(spv)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/special-tax-code</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/specifications</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/speculation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/spendthrift-trust</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/spfr-(special-purpose-financial-reporting)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/split-level-home</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/staff-accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/staging</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/staircase-disclosure-statement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/stamp-duty</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/stamp-duty</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/stand-alone</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/standalone</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/standard-costing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/standard-deviation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/standard-form-contract</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/standard-homeowners-policy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/standard-operating-procedures-(sop)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/standard-variable-rate-loans-(svr)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/statement-of-cash-flows</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/statement-of-insulation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/statements</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/statute-of-limitations</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/statutory-accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/step-by-step-to-wealth</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/steps-to-success</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/straight-line-depreciation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/straight-line-depreciation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/strata-title</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/strata-title</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/strategic-cost-management</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/strategic-investment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/stratum-in-freehold</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/stratum-in-leasehold</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/structure</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/student-accommodation</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sub-leasing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/subdividing</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/subdivision</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/subdivision</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/subdivisions</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/subject-to-finance</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/subject-to-finance</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sublease</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sublease</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sublease-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/subleasing</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sublet</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/subletting</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/subordinate-financing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/subordination-agreement</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/subrogation</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/subsequent-events-(property-accounting)</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sunset-clause</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/superannuation</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/superior-neighbourhoods</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/supplemental-agreement</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/supplemental-coverage</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/supplemental-insurance</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/supplemental-life-insurance</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/supplementary-income</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/supply-and-demand</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/supply-and-demand</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/supporting-documents</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/survey-plan</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/survey-plan</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sustainable-investing</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/sweat-equity</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/swot-analysis</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/syndicated-loan</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/systemic-risk</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/table-loan</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/tactical-asset-allocation</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/tangible-asset</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/tangible-asset</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/tangible-asset-planning</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/tangible-assets</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/tauranga-properties-for-sale</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/tax</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/tax</loc>
<lastmod>2025-05-10</lastmod>
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<url>
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<loc>https://www.staircase.co.nz/property-investment-glossary-list/triple-net-lease-(nnn-lease)</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/trust</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/trust</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/trust-account</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/trust-account</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/trust-accounting</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/trust-agreement</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/trustee</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/trustee-of-the-purchaser</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/trusts</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/turn-key-property</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/turnkey-property</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/types-of-asset-finance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/umbrella-liability-insurance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/umbrella-policy</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/umi-uncommitted-monthly-income</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unconditional</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unconditional-agreement</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unconditional-approval</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unconditional-offer</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/under-contract</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/under-or-overestimated-expenses</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/underapplied-vs.-overapplied-overhead</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/underinsurance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/underinsured</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/undervalued-asset</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/underwriter</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/underwriting</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/underwriting</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/underwriting-agreement</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/underwriting-profit</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/underwriting-risk</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unearned-income</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unearned-interest-income</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unearned-revenue</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unemployment-rate</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unit-mix</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unit-title</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unit-title</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unit-title-stratum-estate</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unit-titles-act-2010</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unit-titles-act-2010-(nz)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unit-trusts</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unit-turnover</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/units</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unrealized-gains-and-losses</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/unsecured-loan</loc>
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</url>
<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/upgrade</loc>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/urban-decay</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/urban-development</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/urban-renewal</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/useable-equity</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/utilities</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/utility-allowance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/utility-bill-payment</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/utility-bills</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/vacancy</loc>
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<url>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/vacancy-rate</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/vacant</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/valuation</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/valuation-allowance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/valuation-date</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/valuation-fee</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/valuation-fee</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/valuation-fees</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/valuation-method</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/valuation-report</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/valuation-roll</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/valuations</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/value-at-risk-(var)</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/value-stock</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/valuer</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/variable-rate%2Fvariable-interest-rate</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/vendor-statement</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/vendor-warranties</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/waiver</loc>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/warranties-payable</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/weekly</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/wfftc-(working-for-families-tax-credits)</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/window-dressing</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/without-prejudice</loc>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/working-capital</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/working-capital-ratio</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/write-down-vs.-write-off</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/write-off</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/xirr-(extended-internal-rate-of-return)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/year-end-summary</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/year-to-date-(ytd)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/yield</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/yield</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/yield-calculation</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/yield-curve</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/yield-management</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/yield-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/yield-spread</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/zero-based-budgeting</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/zoning</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/zoning</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/zoning-intensification</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/zoning-laws</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/zoning-ordinances</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/flood-risk</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/floorplan</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fma</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fma-licence</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fma-licensing</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/forbearance</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/force-majeure</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/force-majeure-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/force-placed-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/forecasting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/forecasting-rental-market-trends</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/foreclosure</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/foreclosure-auction</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/forensic-accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/forensic-audit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/forfeit-of-deposit-%26-net-interest</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fortnightly</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fractional-ownership</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fraud</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/free-stand</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/freehold</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/freehold-title</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fringe-benefit-tax</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fspr</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fspr-(financial-service-providers-register)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fundamental-analysis</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/funding</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/funding-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/funds</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/furnished-rental-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/future-plan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gain-on-sale</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gains</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gdp</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gdp-(gross-domestic-product)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gearing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/general-accepted-accounting-principles-(gaap)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/general-ledger</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/generational-wealth</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gentrification</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gentrification-impact</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/geopolitical-risk</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/geotechnical-report</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gfa-(gross-floor-area)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gift-aid</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gifted-deposit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gifting-declaration</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/goals</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/going-concern-principle</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gold-standard</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/good-debt</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/goods-and-services-tax-(gst)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/goodwill</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/governing-jurisdiction</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/government-powers</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/government-value-(gv)-and-rateable-value-rv</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/grace-period</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gross-income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gross-income-multiplier-(gim)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gross-lease</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gross-margin</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gross-profit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gross-profit-margin</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gross-rent</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gross-rent-multiplier-(grm)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gross-rental-income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gross-rental-yield</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gross-vs.-net-revenue</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gross-yield</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ground-rent</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/growth</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/growth-potential</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/growth-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/gst-(goods-and-services-tax)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/guarantee</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/guaranteed-insurability</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/guaranteed-investment-certificate-(gic)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/guaranteed-renewal</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/guaranteed-rent-scheme</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/guaranteed-replacement-cost</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/guarantor</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/guarantor-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/handover</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hard-assets</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hard-inquiry-(credit-check)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hard-money-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hazard</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hazard-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/health-insurance</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/health-maintenance-organization-(hmo)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/healthy-homes-report</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/healthy-homes-standards</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/healthy-homes-standards-compliance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hedge</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hedge-fund-property-investments</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hedged-investment-strategy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hedging-strategy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hesitant%2Fcold-feet</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/high-density</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/high-growth-areas</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/high-socio-economic-area</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/high-density-zoning</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/high-frequency-trading-(hft)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/high-risk-policy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/high-yield-bond</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/high-yield-bonds</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/highest-and-best-use-(hbu)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hire-purchase</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/historical-cost</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/historical-cost-principle</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hold-period</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/holding-company</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/holding-cost</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/holding-costs</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/holding-deposit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/holding-period</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/home-and-income-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/home-equity-conversion-mortgage-(hecm)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/home-equity-line-of-credit-(heloc)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/home-equity-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/home-inspection-report</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/home-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/home-loan-pre-approval</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/home-office</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/home-office-deduction</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/home-office-expense</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/homeowners</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/homeowners-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hot-market</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hot-spot</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hot-spot-drivers</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/house-flipping</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/house-for-sale</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/house-inspection</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/house-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/house-insurance-(homeowner%EF%BF%BDs-insurance)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/house-price-index-(hpi)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/house-rules</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/house-sales</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/houseboat</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/household-income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/housing-affordability</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/housing-affordability-index</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/housing-code-violation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/housing-cooperative</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hybrid-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/hydrological-reports</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ifrs-(international-financial-reporting-standards)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/immovable-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/immutability-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/impact-investing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/impairment</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/impairment-charge</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/impairment-loss</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/impairment-of-assets</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/implied-contract</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/implied-covenant-of-quiet-enjoyment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/implied-warranty</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/in-house-maintenance</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/in-house-team</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/incentive-program</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income-for-investors</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income-protection-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income-smoothing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income-statement</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income-summary</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income-tax</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income-tax-code</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income-tax-return</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income-tax-year</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income-year</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/income-generating-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/incorporated-society</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/indemnification-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/indemnification-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/indemnity</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/indemnity-(principle-of-indemnity)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/indemnity-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/indemnity-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/independent-insurance-agent</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/independent-valuation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/indexation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/indexed-annuity</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/indirect-cost</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/indirect-cost-allocation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/indirect-costs</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inducement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/industrial-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inferior-neighbourhoods</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inflation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inflation-adjustment-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inflation-hedge</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inflation-risk</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inflation-linked-bond</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inflation-linked-bonds</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inflation-protected-securities</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/infrastructure-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/infrastructure-support</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inheritance</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/injunction</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inland-revenue-department</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inspection</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inspection-fee</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inspection-report</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/instalment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurability</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurable-interest</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-agency</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-binder</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-broker</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-broker-disclosure-statement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-brokerage-firm</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-commission</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-company</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-declaration-page</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-marketplace</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-plan-amendment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-policy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-premium</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-product-development</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-rate</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-regulation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-reinstatement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-rider</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-subrogation</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-terms-(continued)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-trust</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-underwriter</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-valuation</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurance-valuation-report</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insured-mortgage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insured-value</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insured-vs.-insurer</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurer</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/insurtech</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/intangible-assets</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/integrated-facilities-management-(ifm)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/integration-and-merger-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/intellectual-property-rights</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/intention-test</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/intercompany-transactions</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-coverage-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-deductability</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-expense</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-limitation-rule</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-on-ird-late-payments</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-on-late-tax-payments-(ird)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-on-mortgage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-only</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-only-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-rate</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-rate-averaging</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-rates</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-only-loan</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-only-mortgage-(nz)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interest-only-period</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interested-party</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/interim-financial-statements</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/internal-control</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/internal-rate-of-return-(irr)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/introductory-rate-loan</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inventory</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inventory-(tenancy)</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inventory-pulling-policy</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inventory-shrinkage</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inventory-turnover-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inventory-valuation</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/inverse-yield-curve</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/invest</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investing</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investing-in-rental-homes</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-advisor</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-advisory</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-homes</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-houses</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-loan</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-management-agreement</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-manager</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-planning</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-policy-statement-(ips)</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-portfolio</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-property</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-property-accounting</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-property-tax-deductions</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-startup-loan</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-strategies</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-strategy</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-structure</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-syndicate</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investment-thesis</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investments</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/investor-herding</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/invoice</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ird</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ird-late-filing-penalties</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ird-number</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/itemized-deductions</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/joint-and-several-liability</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/joint-liability</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/joint-tenancy</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/joint-tenants</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/joint-venture</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/journal-entries</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/journal-entry</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/journal-entry-posting</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/journal-ledger</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/kick-out-clause</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/kickback-clause</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/kiwi-saver-ideas</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/kiwisaver</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/kiwisaver-contributions</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/kiwisaver-first-home-withdrawal</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/kiwisaver-opt-out</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ladder-investing</loc>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/land-act-consent</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/land-bank</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/land-covenant</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/land-title</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/land-transfer-tax</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/land-use-agreement</loc>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/landbanking</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/landlord-insurance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/landlord-liability-insurance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/landlord-protection-insurance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/landlord-right-to-enter</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/landlord-tenant-act</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/landlord-tenant-law</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/landlord-tenant-laws</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lapse-of-coverage</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/late-fee</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/late-settlement</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lawyer</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lead-contractor-agreement</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lead-based-paint-disclosure</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leaky-home</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leaky-home-expenditure</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leaky-homes-expenditure</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lease</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lease-accounting-standards</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lease-agreement</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lease-commencement-date</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lease-financing</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lease-incentive</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lease-modification</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lease-option</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lease-option-agreement</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lease-renewal</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leaseback-agreement</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leasehold-estate</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leasehold-improvements</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leasehold-interest</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leasehold-property</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leasehold-title</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leasing</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leasing-commission</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leasing-manager</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ledger</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ledgers</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/legal-consideration</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/legal-contribution</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/legal-descriptions</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/legal-expenses-accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/legal-fees</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/legal-representative</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lender</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lenders</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lenders-mortgage-insurance-(lmi)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lending</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lending-value-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lessee</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lessor</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/letter-of-credit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/letting-fee</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/letting-fees</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/level-premium</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leverage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leverage-buyout-(lbo)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/leveraged-buyout-(lbo)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/liabilities</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/liability</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/liability-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/liability-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/liability-protection</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/license-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/licensed-building-practitioner-(lbp)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lien</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lien-waiver</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/life-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/life-settlement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lifetime-maximum</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/likely-hot-spot</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lim</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lim-report</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/limit-of-liability</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/limitation-of-liability</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/limitations-period</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/limited-guarantor-loan</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/limited-liability</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/limits-of-liability</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/line-of-credit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/linz</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/liquidation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/liquidation-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/liquidity</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/liquidity-analysis</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/liquidity-preference-theory</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/liquidity-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/liquidity-risk</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/listing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/listing-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/living-benefits</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/llc</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loading</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-amortisation-schedule</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-application</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-approval</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-assumption</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-capacity</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-covenant</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-drawdown</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-fees</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-for-business</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-modification</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-origination-fee</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-portability</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-repayment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-repayment-deductibility</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-repayment-term</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-structure</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-to-value-ratio-(lvr)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-underwriting</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-variation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-to-value-ratio-(ltv)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-to-value-ratio-(lvr)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loan-to-value-ratio-restriction-(lvr-restriction)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/local-currency-financing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/location</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lockbox</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lockout-agreement</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/long-term-care-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/long-term-debt</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/long-term-disability-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/long-term-lease</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/long-term-liabilities</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/long-term-projections</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/look-through-company</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/look-through-company-(ltc)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/look-through-interests</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loss-adjuster</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loss-adjustment-expense-(lae)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loss-carry-forward</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loss-exposure</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loss-mitigation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loss-of-rent-cover</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loss-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/loss-reserves</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/losses-carried-forward</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lot</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lot-line-adjustment</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/low-density</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/low-doc-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/low-equity-margin-(lem)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/low-equity-premium-(lep)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/low-socio-economic-area</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/low-value-assets</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ltc</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ltc&apos;s-withholding-tax-rate</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lump-sum-payments</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/luxury-property</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/lvr</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/macroeconomics</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/main-home</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/maintenance</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/maintenance-period</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/maintenance-program</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/maintenance-request</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/maintenance-reserves</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/make-good-period</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/malicious-damage-by-tenants</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/management-agreement</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/management-fee-income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/management-fees</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/mandatory-coverage</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/mansion</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/margin</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/market-appraisal</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/market-assessment</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/market-capitalisation</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/net-worth</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/net-yield</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/neutral-interest-rate</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/new-build</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/new-build-home</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/new-builds</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/new-zealand-business-number-(nzbn)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/new-zealand-tax-resident</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/no-claim-bonus</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/noise-ordinance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/nominal-interest-rate</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/nominal-value</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/nominee</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/nominees</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-bank-lender</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-bank-lenders</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-binding-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-compete-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-compulsory-clause</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-conforming-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-current-liabilities</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-disclosure-agreement-(nda)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-merger</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-operating-income</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-recourse-loan</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-renewal-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-renewal-notice</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-resident-taxpayer</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/non-resident-withholding-tax-(nrwt)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/notice-of-default-(nod)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/notice-requirement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/notice-to-remedy</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/notice-to-terminate-tenancy-(nz)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/notification-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/nrwt-(non-resident-withholding-tax)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/objectives-clause</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/obligations</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/occupancy-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/occupancy-cost-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/occupancy-costs</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/occupancy-rate</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/occurrence</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/occurrence-policy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ocr</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/off-plan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/off-the-plan</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/off-balance-sheet-financing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/off-market-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/off-plan-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/off-plan-purchase</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/offer</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/offer-and-acceptance</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/official-cash-rate-(ocr)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/offset</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/offset-account</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/offset-facility%2Foffset-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/offset-loan-account</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/offset-mortgage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/oia-consent</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/oia-date</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ombudsman</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/omnibus-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/one-stop-shop</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/one-stop-shop-advisor</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/one-off-costs</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/online-banking</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/open-home</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/operating-budget</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/operating-cash-flow</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/operating-expenditure-(opex)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/operating-expense-ratio</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/operating-expenses</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/operating-income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/operating-lease</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/operating-lease-vs.-finance-lease</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/operating-loss</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/operational-expense-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/opex</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/opportunity-cost</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/option-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/option-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/option-period</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/option-premium</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/option-to-purchase</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/optional-coverage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ordinary-share</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/outsourced-accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/over-improvement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/overdraft</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/overhead</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/overhead-allocation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/overhead-allocations</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/overhead-costs</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/overhead-rate</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/overhead-variance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/overheads</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/overpayment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/overseas-investment-act-(nz)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/own-finance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/owner-occupier</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/owner-builder-permit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/owner-occupier</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/owner-occupier-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/owner%EF%BF%BDs-equity</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ownership</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ownership-timeframe</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/p%2Fe-ratio-(price-earnings-ratio)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/package-policy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/packaged-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/par-value</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/partial-lease</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/partnership</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/partnership-accounting</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/partnership-agreement</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/partnerships</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pass-in-(auction)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/passive-income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/passive-income-property</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/passive-investment</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pay-as-you-earn</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pay-cycle</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/paye-(pay-as-you-earn)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/paye-return-summary-report</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/payment</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/payment-terms</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/payments%2Frepayments</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/payslip</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/peace-of-mind</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/penalty-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pending</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pension</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pension-fund</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pep</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/per-annum-(p.a.)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/performance-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/performance-fee</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/performance-guarantee</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/performance-review</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/peril</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/periodic-tenancy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/perpetual-inventory</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/perpetual-inventory-system</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/personal-assessment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/personal-auto-policy-(pap)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/personal-guarantee</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/personal-injury-protection-(pip)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/personal-lines</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/personal-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/personal-loans</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/personal-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/personal-statement-of-assets-and-liabilities</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pest-and-building-inspections</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pest-control</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pet-addendum</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pet-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pet-policy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/physical-inspection</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pia</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pie-(portfolio-investment-entity)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/plan-document</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/planning-guide</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/poa</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/policy</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/policy-exclusions</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/policy-exemption</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/policy-lapse</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/policy-limits</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/policy-owner</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/policyholder</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/policyholder&apos;s-dividend</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/population-density</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/population-growth</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/portfolio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/portfolio-diversification</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/portfolio-investment-entity</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/portion-(split%2C-divides-the-total-amount-you&apos;re-borrowing)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/positive-cash-flow</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/positive-geared</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/positive-gearing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/positive-working-capital</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/positively-geared</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/possession-date</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/possible-hot-spot</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/post-closing-adjustments</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/post-closing-trial-balance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/power-of-attorney</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pre-approval</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pre-authorization</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pre-contract-disclosure-statement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pre-contractual-obligations</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pre-development-costs</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pre-lease-inspection</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pre-printed-contract</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pre-purchase</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pre-qualification</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pre-sale-contracts</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pre-sale-inspection</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pre-settlement-inspection</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/preemptive-right</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/preliminary-budget</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/preliminary-expense</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/preliminary-financial-statements</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/premium</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/premium-financing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/premium-payment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/prepaid-expense</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/prepaid-insurance</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/prepayment-penalty</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/prescribed-investor-rate</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/present-value-of-future-cash-flows</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/preventive-maintenance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/price-elasticity-of-demand</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/price-per-square-foot-(psf)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/price-stability</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/price-to-sales-ratio-(p%2Fs)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/price-to-earnings-ratio-(p%2Fe-ratio)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/primary-market</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/prime-location</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/principal</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/principal-(loan-principal)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/principal-%26-interest</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/principal-and-agent-relationship</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/principal-and-interest-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/principal-and-interest-mortgage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/principal-contract</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/principal-protected-note</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/private-client-manager</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/private-equity</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/private-mortgage-insurance-(pmi)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/private-treaty</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/private-treaty-sale</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pro-forma</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pro-forma-statement</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/pro-rata</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/probate</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/probate-sale</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/professional-indemnity-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/professional-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/professional-leases</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/professional-liability-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/professional-management</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/professional-property-manager</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/professional-service-contract</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/professional-services</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/profit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/profit-and-loss-statement-(p%26l)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/profit-margin</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/profit-recognition-in-property-development</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/profitability-ratios</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/project-budgeting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/project-management</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/projected-financial-statements</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/projected-income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/projection</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/promissory-note</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/proof-of-income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/proof-of-loss</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/property-accountant</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/property-appraisal</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/property-appreciation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/property-boom</loc>
<lastmod>2025-07-22</lastmod>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/a%26h-insurance-(accident-and-health-insurance)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/absentee-landlord</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/absorption-costing</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/absorption-rate</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/acc-earners&apos;-levy</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accelerated-depreciation</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/acceleration-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/acceptable-security</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/acceptance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accord-and-satisfaction</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/account</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/account-balance</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/account-reconciliation</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accountants-vs-financial-advisors</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accounting-cycle</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accounting-disclosure-statement</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accounting-equation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accounting-fees</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accounting-or-legal-fees</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accounting-period</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accounting-profit-vs.-taxable-profit</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accounting-software</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accounting-year</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accounts-payable</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accrual-accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accrual-basis-accounting</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accruals</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accruals-adjustment</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accrued-expense</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accrued-expenses</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accrued-income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accrued-interest</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accrued-liabilities</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accrued-liability</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accrued-rent</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accumulated-depreciation</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/accumulated-other-comprehensive-income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/acquisition-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/acquisition-cost</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/actionable-breach</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/actionable-claim</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/activity-based-budgeting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/activity-based-costing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/acts-of-nature</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/actual-cash-value</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/actual-costing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/actuarial-science</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/actuary</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/addendum</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/additional-living-expenses-(ale)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/additional-terms</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/adjustable-rate</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/adjustable-rate-mortgage-(arm)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/adjusted-gross-income-(agi)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/adjusted-income</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/adjusted-tax-value</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/adjuster</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/adjuster-fee</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/adjusting-journal-entries</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/administrator</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/advance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/advance-payment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/adverse-selection</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/advertising-costs</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/adviser-disclosure</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/affected-revenue-period</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/affidavit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/affordability</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/affordable-housing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/agency-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/agency-contract</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/agency-disclosure</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/agent-fees</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/agent-relationship</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/agent&apos;s-fees-and-commission</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/aggregate</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/aggregate-limit</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/aggregate-stop-loss-insurance</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/aggregator</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/aggressive-investment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/aging-accounts-receivable</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/aging-report</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/agreed-value</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/agreement</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/agreement-termination</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/air-rights</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/airbnb</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/allocation-of-assets</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/alpha</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/alternative-investment-strategy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/alternative-investments</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/amended-return</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/amendment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/amendment-agreement</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/amenities</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/amicable-settlement</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/aml</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/angel-investor</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/angel-round</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/annual-general-meeting</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/annual-gross-income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/annual-premium</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/annual-report</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/annual-return</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/annually</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/anti-money-laundering-(aml)-compliance</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/apartment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/apartment-complex-management</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/apartment-management-company</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/apartment-marketing-strategy</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/apartment-turnover-rate</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/application-fee</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/application-screening-process</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/appraisal</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/appraisal-report</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/appraisals</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/appraised-value</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/approval</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/arbitration</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/arbitration-award</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/arbitration-provisions</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/arbitrator</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/arising-out-of-clause</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/arm&apos;s-length</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/asking-price</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/assessed-value</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/assessment</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/asset-allocation</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/asset-impairment</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/asset-pricing-model</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/asset-protection-insurance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/asset-purchase-agreement</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/asset-revaluation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/asset-turnover-ratio</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/asset-value-appraisal</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/asset-backed-security-(abs)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/assets</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/assets-under-management-(aum)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/assistance-programs</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/assumption-of-risk</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/assured-value-policy</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/at-fault</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/baby-boomers</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/back</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/back-end-ratio</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/background-check</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/backup-offer</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bad-debt</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bad-debt-expense</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bad-faith-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/balance-of-payment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/balance-of-payments</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/balance-sheet-(property-context)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/balloon-mortgage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/balloon-payment</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/balloon-payments</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bank-cash-back</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bank-check-(bank-cheque)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bank-reconciliation</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bank-reconciliation-statement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bank-statement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bank-stress-test</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bank-test-rates</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bank-valuation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bankruptcy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/barriers-to-entry</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/base-stock</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/basic-earnings-per-share-(eps)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/basis-point</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/batch-costing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bear-market</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bear-spread</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/behavioral-bias</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/behavioral-biases</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/behavioral-economics</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/behavioral-health-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/behavioral-risk</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/behavioral-underwriting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/benchmarking</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/beneficial-owner</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/beneficiary</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/beneficiary-assignment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/beneficiary-designation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/benefit-period</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/benefits-enrollment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bequeath</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bequest</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bespoke-contract</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/better-than-kiwisaver</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/betterment</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bidding-strategy</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bill-of-exchange</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bill-of-sale</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/binder-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/binding-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/binding-offer</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/blanket-coverage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/blended-rate</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/blind-offer</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bodily-injury-liability-coverage</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/body-corp-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/body-corporate-(bc)</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/body-corporate-fees</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bond</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bond-(tenancy-bond)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bond-amortization</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bond-centre</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bond-duration</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bond-lodgement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bond-payable</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bond-rating</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bond-yield</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bonds</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bonuses-and-incentives-accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/book-closing-process</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/book-value</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/book-value-of-equity</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bookkeeper</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bookkeeping</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bookkeeping-software</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/boom-phase</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/booster-package</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/borrowers</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/borrowing</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/borrowing-capacity</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bottom-line</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/boundaries-%26-requisitions</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/brand-new</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/breach-notice</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/breach-notification</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/breach-of-contract</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/breach-of-lease</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/break</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/break-clause</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/break-even-point</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/brick-and-tile</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bridging-loan</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bridging-loans</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bright-line</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bright-line-test</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bright-line-test-exclusions</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bright-line-test</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/broker</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/broker-vs.-agent</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/brokerage-account</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/brokerage-agreement</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/brokerage-commission</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/brokerage-fee</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/brownfield</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/budget-variance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/budgeting</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/buffer</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/build</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-act</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-act-2004</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-code</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-code-compliance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-code-compliance-(nz)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-codes</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-consent</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-consents</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-covenants</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-depreciation</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-guarantee%2Fwarranty</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-inspection</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-inspection-(pre-purchase)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-inspection-report</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-insurance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-maintenance-log</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-management-system-(bms)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-manager</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-report</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-warrant-of-fitness</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/building-warranties</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bungalow</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bungalows</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/business-combination</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/business-development-manager</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/business-industry-classification-(bic)-code</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/business-interruption-insurance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/business-loan</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/business-property-insurance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/business-structure</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/business-transaction</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/buy-and-hold</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/buyer%EF%BF%BDs-agent</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/buyer%EF%BF%BDs-market</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/buyer%EF%BF%BDs-premium-(auction-fee)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/buying-property</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/bylaws</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/byproduct</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/californian-bungalow</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cancellation</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cancellation-(insurance)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cancellation-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cancellation-fee</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-account</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-allowance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-allowances</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-appreciation</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-assets</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-expenditure</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-expenditure-(capex)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-expenses</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-gain</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-gains</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-gains-tax</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-gains-tax-(cgt)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-gains-tax-(nz)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-gains%2Flosses</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-growth</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-improvements</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-investment</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-lease</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-lease-obligation</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-loss</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-return</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capital-vs-repair</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capitalisation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capitalisation-rate-(cap-rate)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capitalization</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capitalization-of-interest</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capitalization-rate-(cap-rate)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/capitalizing-vs.-expensing-costs</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/captive-insurance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-accounting</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-budget</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-conversion-cycle-(ccc)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-equivalents</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-flow</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-flow-analysis</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-flow-positive-property</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-flow-statement</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-on-cash-return</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-position</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-reserve-ratio-(crr)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-reserves</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-value</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-vs.-accrual-accounting</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-on-cash-return</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-out-refinance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cash-to-cash-cycle</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cashback</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cashflow</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/caveat</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/caveat-emptor</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ccc</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/central-business-district-(cbd)</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/certificate-of-completion</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/certificate-of-compliance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/certificate-of-incorporation</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/certificate-of-occupancy</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/certificate-of-occupancy-(co)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/certificate-of-title</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/certified-public-accountant</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/chart-of-accounts</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/chartered-accountant-(ca)</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/chattels-insurance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/chattels-valuation</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/checking-account</loc>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/claim-adjuster</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/claim-frequency</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/claims-assessor</loc>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/claims-process</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/claims-processing</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/claims-made-policy</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/clause</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/clawback</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/clean-energy-investment</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/clean-out-clause</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/clear-title</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/client</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/closed-end-fund</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/closing-costs</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/closing-entries</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cloud-on-title</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/co-insurance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/co-insurance-clause</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/co-payment-(copay)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/co-signer</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/code</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/code-compliance-certificate-(ccc)</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/code-of-compliance-certificate</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cogs</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/coinsurance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cold-spot</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cold-spot-drivers</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/collateral</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/collateralized-debt-obligation-(cdo)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/collateralized-loan</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/combined-ratio</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/commercial</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/commercial-auto-insurance</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/commercial-lease</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/commercial-property</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/commercial-property-income</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/commercial-zoning</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/commission</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/commissions</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/commodity</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/common-interest-development-(cid)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/common-law</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/common-property</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/common-stock</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/commonly-owned-access-lots-(coal)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/community-association-management</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/community-property</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/company</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/company-annual-returns</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/company-extract</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/company-incorporation</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/comparable-sales</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/comparables</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/comparative-analysis</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/comparative-financial-statements</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/comparative-market-analysis-(cma)</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/comparative-sales-analysis</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/comparative-statements</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/complete-investment-guide</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/completion</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/compliance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/compliance-audit</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/compliance-inspection</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/compliance-with-fair-housing-laws</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/compound-interest</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/comprehensive-general-liability-(cgl)-insurance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/comprehensive-income</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/condition-precedent</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/condition-subsequent</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conditional-approval</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conditional-offer</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conditional-sale</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conditional-upon-a-lim-report</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conditional-upon-a-specialist-report</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conditional-upon-an-existing-agreement</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conditional-upon-finance</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conditional-upon-the-sale-of-the-purchaser%EF%BF%BDs-property</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/condo-association-management</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/confidentiality-agreement</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/confidentiality-provision</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/confirmation</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conflict-of-interest-clause</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conforming-loan</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/consent-to-assignment</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conservatism-principle</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conservative-accounting</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/consignment</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/consignment-accounting</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/consistent-intrinsic-value</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/consolidated-financial-statements</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/consolidated-tax-returns</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/construction-management-agreement</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/contemporaneous-settlement</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/contents-cover</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/contingency-fund</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/contractual-rights</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/contribution-margin</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/contributions</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conversion</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/convertible-note</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/convertible-preferred-stock</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conveyance</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/conveyancing</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cooling-off-period</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/copy</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/corporate-governance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/corporation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-of-capital</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-of-goods-sold</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-of-goods-sold-(cogs)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-of-living</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-of-living-crisis</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-of-sales</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-pool</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-recovery</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-segregation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-benefit-analysis</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-benefit-optimization</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-to-income-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cost-volume-profit-analysis</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/costs</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cottage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/council-rates-(local-government-rates)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/council-rates-notice</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/council-valuation-(cv)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/counter-offer</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/counterclaim</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/counterparts</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/counterparty</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/covenant</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/covenant-against-encumbrances</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/covenant-compliance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/covenant-for-quiet-enjoyment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/covenant-lite-loans</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/covenant-testing-period</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cover</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/coverage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/coverage-exclusions</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/coverage-limits</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-analysis</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-card-interest</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-cards</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-check</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-derivative</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-history</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-memo</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-note</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-rating</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-reference-check</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-risk</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-score</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/credit-spread</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/creditors</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/creditworthiness</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/crisis-management-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cross-lease</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cross-lease-(freehold)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cross-lease-(leasehold)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cross-collateralization</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cross-default-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cross-guarantee</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cross-lease</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cross-sectional-analysis</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/crowdsourced-funding</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cumulative-loss</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cumulative-preferred-stock</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cumulative-trauma-disorder</loc>
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</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/currency-risk</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/current-account-balance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/current-assets</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/current-liabilities</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/current-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/current-value</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/customary-practice-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/customary-practices</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/customer-declaration</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cyber-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cyber-liability-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cyclical-hot-spot</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cyclical-stocks</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/cyclicality</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/damages-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/date-of-drawdown</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debit-card</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debit-note</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debt</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debt-consolidation</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debt-consolidation-loan</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debt-ratio</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debt-restructuring</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debt-service-coverage-ratio-(dscr)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debt-service-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debt-servicing</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debt-to-income-ratio-(dti)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debt-free-asset</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debt-to-equity-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debt-to-income-ratio-(dti)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/debtors</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deductible</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deductible-amount</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deductible-expenses</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deductions</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deed</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deed-of-sale</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deed-of-trust</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deed-restriction</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deem-sale</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/default</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/default-clause</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/default-judgment</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/default-notice</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/default-remedy</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/defects</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deferment-of-settlement</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deferred-expense</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deferred-expenses</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deferred-income-tax</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deferred-maintenance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deferred-payment-agreement</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deferred-revenue</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deferred-revenue-expenditure</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deferred-settlement</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deferred-tax-asset</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deferred-tax-liability-(dtl)</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deficit</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/delayed-settlement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/demand-and-supply</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/demographics</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/demolition</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/dependent-life-insurance</loc>
<lastmod>2025-07-22</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deposit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/deposit-hurdle</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/depreciable-assets</loc>
<lastmod>2025-05-10</lastmod>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/depreciable-tangible-asset</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/depreciated</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/depreciation</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/depreciation-clawback</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/depreciation-expense</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/depreciation-loss</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/depreciation-method</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/depreciation-of-property</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/depreciation-recapture</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/depreciation-schedule</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/derivative</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/derivative-security</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/derivatives</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/derivatives-market</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/detached-house</loc>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/development-agreement</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/development-application-(da)</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/development-consent</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/development-contribution</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/development-costs</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/development-levy</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/development-margin</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/development-profit</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/digital-signature</loc>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/direct-capitalization</loc>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/direct-costs</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/direct-investment</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/direct-loss</loc>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/direct-write-off-method</loc>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
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<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/equity-build-up</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/equity-crowdfunding</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/equity-financing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/equity-investment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/equity-investment-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/equity-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/equity-method-accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/equity-ratio</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/equity-release</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/erp-(enterprise-resource-planning)-software</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/error-and-omissions-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/escalation-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/escape-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/escrow</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/escrow-account</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/escrow-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/escrow-arrangement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/escrow-services</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/estate</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/estate-management</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/estimates</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/estimation</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/event-liability-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/eviction</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/eviction-defense</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/eviction-moratorium</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/eviction-notice</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/eviction-proceedings</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/eviction-process</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/ex-dividend</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/excess</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/excess-(insurance)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/excess-deductions</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/excess-liability-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exchange-of-contracts</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exclusion</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exclusion-(insurance)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exclusion-rider</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exclusionary-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exclusionary-endorsement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exclusionary-policy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exclusions-and-limitations</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exclusive-agency-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exclusive-agency-listing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exclusive-right-to-sell</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exclusivity-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exclusivity-clause</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/execution-of-contract</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exemplary-damages</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exempt-income</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/existing-hot-spot</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exit-report</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/exit-strategy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/expansion-phase</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/expectations-of-privacy-clause</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/expenditure-to-meet-healthy-home-standards</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/expense</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/expense-capitalization</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/expense-ratio</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/expense-reimbursement-policy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/expenses</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/experience-rating</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/expiration-date</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/expired-lease-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/extension-of-tenancy-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/extension-of-time-for-tax-agents</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/extra-payments</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fair-market-rent</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fair-market-value</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fair-market-value-(fmv)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fair-rental-value</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fair-value</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fair-value-accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fap</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fasb-(financial-accounting-standards-board)</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fdrs</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/feasibility</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/feasibility-study</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fee-simple</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fee-simple-absolute</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fee-simple-ownership</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fee-only-financial-advisor</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fibonacci-retracement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fiduciary</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fiduciary-contract</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fiduciary-duty</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fiduciary-responsibility</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/final-settlement-agreement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/finance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/finance-condition</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/finance-disclosure-statement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/finance-fees</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/finance-lease</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/finance-leases</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/finance-review</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/finance-structure</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/finance-terms-(continued)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financer</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-accounting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-advisor</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-advisory-services</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-analysis</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-analyst</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-assessment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-distress</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-engineering</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-feasibility-analysis</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-forecast</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-forecasting</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-freedom</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-gain</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-goals</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-institution</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-leverage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-literacy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-model</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-needs</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-plan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-planning</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-position</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-projection</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-projections</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-ratios</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-risk-management</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-statement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-statement-analysis</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-statements</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-wellbeing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financial-year</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financier</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financing</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/financing-statement</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fire-and-emergencies-nz-levy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fire-and-perils-insurance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fire-safety-regulations</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/first-home-buyer</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/first-home-grant</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/first-instalment</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/first-mortgage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/first-right-of-refusal</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fiscal</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fiscal-policy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fiscal-year</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fittings</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-asset</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-asset-turnover</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-assets</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-budget-variance</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-cost</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-costs</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-deposit</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-expenses</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-income-security</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-interest-rate</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-interest-rate-vs-variable-interest-rate</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-rate</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-rate-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-rate-lock-option-(frlo)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-rate-mortgage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-term</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-term-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-term-tenancy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-rate-mortgage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-term-lease</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixed-term-tenancy</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixture</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/fixture-and-fittings</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/flip-(property)</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/flipping-property</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/floating</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/floating-charge</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/floating-interest-rate</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/floating-loan</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/floating-rate</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/floating-rate-mortgage</loc>
<lastmod>2025-05-10</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/floating-rate-mortgage</loc>
<lastmod>2025-07-22</lastmod>
</url>
<url>
<loc>https://www.staircase.co.nz/property-investment-glossary-list/flood-insurance-(nz)</loc>
<lastmod>2025-05-10</lastmod>
</url>
</urlset>