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<loc>https://offa.co.uk/faqs/is-it-possible-to-have-more-than-one-finance-agreement-with-offa/</loc>
<lastmod>2024-07-08T20:38:19+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/i-recently-switched-jobs-will-that-affect-my-application/</loc>
<lastmod>2024-07-08T20:39:55+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/can-i-apply-for-a-limited-company-buy-to-let-finance/</loc>
<lastmod>2024-07-08T20:41:12+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/can-i-still-get-a-buy-to-let-finance-from-offa-if-i-have-a-county-court-judgment-ccj/</loc>
<lastmod>2024-07-08T20:42:43+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/can-i-finance-a-new-build-property-with-buy-to-let-finance/</loc>
<lastmod>2024-07-08T20:44:02+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/can-i-still-apply-for-finance-while-im-on-maternity-or-paternity-leave/</loc>
<lastmod>2024-07-08T20:45:21+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/do-i-need-to-have-lived-in-the-uk-for-a-certain-amount-of-time-before-i-can-apply-for-finance/</loc>
<lastmod>2024-07-08T20:45:59+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/what-kinds-of-property-ownership-do-you-accept/</loc>
<lastmod>2024-07-08T20:47:00+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/what-happens-if-my-btl-property-is-vacant/</loc>
<lastmod>2024-07-08T20:48:35+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/whats-the-least-expensive-property-i-can-finance-with-you/</loc>
<lastmod>2024-07-08T20:49:13+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/can-i-get-a-finance-offer-without-having-found-a-property-yet/</loc>
<lastmod>2024-07-08T20:50:22+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/whats-the-process-for-securing-a-product/</loc>
<lastmod>2024-07-08T20:51:00+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-happens-at-the-end-of-my-finance-product-term/</loc>
<lastmod>2024-07-08T20:52:13+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-does-svr-stand-for/</loc>
<lastmod>2024-07-08T20:52:31+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/how-can-i-file-a-complaint/</loc>
<lastmod>2024-07-08T20:53:40+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/how-long-does-a-decision-in-principle-last/</loc>
<lastmod>2024-07-08T20:54:43+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/can-i-make-changes-to-my-details-once-ive-already-applied/</loc>
<lastmod>2024-07-08T20:55:17+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/is-it-possible-to-apply-with-a-co-applicant/</loc>
<lastmod>2024-07-08T20:55:51+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/what-forms-of-id-do-you-accept/</loc>
<lastmod>2024-07-08T21:00:10+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-forms-of-address-do-you-accept/</loc>
<lastmod>2024-07-08T21:00:51+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/is-it-possible-to-change-my-payment-date/</loc>
<lastmod>2024-07-08T21:02:16+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-is-independent-legal-advice-and-why-is-it-important/</loc>
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<loc>https://offa.co.uk/faqs/can-i-use-money-from-an-unsecured-loan-as-my-deposit/</loc>
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<loc>https://offa.co.uk/faqs/how-can-i-update-my-direct-debit-details/</loc>
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<loc>https://offa.co.uk/faqs/will-i-need-to-get-my-own-solicitor-or-is-one-provided/</loc>
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<loc>https://offa.co.uk/faqs/what-happens-after-ive-made-a-complaint/</loc>
<lastmod>2024-07-09T12:50:30+00:00</lastmod>
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<lastmod>2024-07-09T13:31:26+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-documents-do-i-need-to-have-ready-to-complete-my-finance-application/</loc>
<lastmod>2024-07-09T13:38:55+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-documentation-do-i-need-to-prove-my-income/</loc>
<lastmod>2024-07-09T13:54:18+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/how-much-time-do-i-have-before-the-offer-expires/</loc>
<lastmod>2024-07-09T13:55:27+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/whats-the-process-for-making-payments-or-overpayments/</loc>
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<loc>https://offa.co.uk/faqs/if-i-refinance-can-i-release-more-equity/</loc>
<lastmod>2024-08-20T11:16:12+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/resolving-your-complaint/</loc>
<lastmod>2024-08-20T11:24:30+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/can-you-tell-me-how-much-of-a-deposit-ill-need/</loc>
<lastmod>2024-08-23T14:33:57+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/how-is-ethical-finance-different-to-conventional-finance/</loc>
<lastmod>2024-08-27T15:33:40+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-is-ethical-finance/</loc>
<lastmod>2024-08-27T15:33:46+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/is-islamic-finance-only-provided-by-foreign-islamic-banks-and-only-for-muslims/</loc>
<lastmod>2024-08-27T15:33:56+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-is-sharia/</loc>
<lastmod>2024-08-27T15:34:03+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-is-islamic-finance/</loc>
<lastmod>2024-08-27T15:34:11+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/how-does-offa-ensure-its-finance-products-meet-ethical-standards/</loc>
<lastmod>2024-08-27T15:34:19+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/do-i-need-to-take-out-building-insurance/</loc>
<lastmod>2024-08-27T15:34:27+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-about-property-valuation-survey-reports/</loc>
<lastmod>2024-08-27T15:34:39+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/how-much-finance-can-i-have-and-how-much-will-it-cost-me/</loc>
<lastmod>2024-08-27T15:34:46+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/why-are-there-two-sets-of-solicitors-involved/</loc>
<lastmod>2024-08-27T15:34:55+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/if-offa-doesnt-charge-interest-why-does-it-advertise-rates/</loc>
<lastmod>2024-08-27T15:35:03+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/how-is-the-financing-structured/</loc>
<lastmod>2024-08-27T15:35:10+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/if-interest-isnt-charged-how-does-commercial-property-finance-work-in-practice/</loc>
<lastmod>2024-08-27T15:35:19+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/how-long-does-the-process-take/</loc>
<lastmod>2024-08-27T15:35:28+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-does-the-application-process-involve-and-what-happens-after-i-apply/</loc>
<lastmod>2024-08-27T15:35:58+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-is-meant-by-the-term-ftv-and-ftc/</loc>
<lastmod>2024-08-27T15:36:06+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/are-there-any-age-restrictions-for-getting-a-btl-finance/</loc>
<lastmod>2025-02-10T10:38:25+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/how-do-i-get-in-touch-with-offa-about-my-buy-to-let-purchase-plan/</loc>
<lastmod>2025-03-06T17:27:41+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/how-do-i-get-in-touch-with-offa-about-my-home-purchase-plan/</loc>
<lastmod>2025-03-06T17:28:17+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/what-are-your-opening-hours/</loc>
<lastmod>2025-03-06T17:29:30+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/how-do-i-update-my-title-legal-name-surname-postal-address-email-or-phone-number/</loc>
<lastmod>2025-03-06T17:30:41+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/where-can-i-find-my-purchase-plan-agreement-number/</loc>
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<loc>https://offa.co.uk/faqs/how-often-will-i-receive-a-statement-detailing-my-plans-transactional-history/</loc>
<lastmod>2025-03-06T17:31:20+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/are-there-any-extra-fees-and-charges-i-should-be-aware-of/</loc>
<lastmod>2025-03-06T17:31:33+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/can-i-make-overpayments-or-additional-acquisition-payments/</loc>
<lastmod>2025-03-06T17:31:51+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/is-there-a-maximum-amount-i-can-pay-towards-my-plan-outside-of-my-agreed-monthly-repayment/</loc>
<lastmod>2025-03-06T17:32:07+00:00</lastmod>
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<loc>https://offa.co.uk/faqs/how-often-will-you-assess-my-financial-position/</loc>
<lastmod>2025-03-06T17:32:21+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/can-i-switch-between-a-variable-and-fixed-rate/</loc>
<lastmod>2025-03-06T17:32:38+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/what-happens-when-my-fixed-rate-ends/</loc>
<lastmod>2025-03-06T17:32:51+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/what-happens-if-a-named-party-on-the-agreement-passes-away/</loc>
<lastmod>2025-03-06T17:33:05+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/how-can-i-make-payments/</loc>
<lastmod>2025-03-06T17:33:19+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/what-happens-if-i-miss-a-repayment/</loc>
<lastmod>2025-03-06T17:33:35+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/how-do-i-make-additional-payments-to-settle-my-facility-early/</loc>
<lastmod>2025-03-06T17:33:49+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/im-worried-that-i-cannot-afford-my-repayments-what-do-i-do/</loc>
<lastmod>2025-03-06T17:34:04+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/can-i-refinance-my-facility/</loc>
<lastmod>2025-03-06T17:34:21+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/what-are-the-steps-for-refinancing/</loc>
<lastmod>2025-03-06T17:34:36+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/how-to-make-a-complaint/</loc>
<lastmod>2025-03-21T14:01:04+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/how-do-i-know-offas-financial-products-are-sharia-compliant/</loc>
<lastmod>2026-02-22T20:47:17+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/how-is-your-home-finance-product-different-to-a-traditional-mortgage/</loc>
<lastmod>2026-02-22T20:48:03+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/you-charge-rent-but-is-that-just-a-different-word-for-interest/</loc>
<lastmod>2026-02-22T20:48:26+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/why-do-you-advertise-interest-rates-and-what-is-the-benchmark-used/</loc>
<lastmod>2026-02-22T20:48:56+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/where-does-your-funding-come-from/</loc>
<lastmod>2026-02-22T20:49:16+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/what-are-your-early-buyout-clauses-and-does-sharia-allow-this/</loc>
<lastmod>2026-02-22T20:49:58+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/what-is-the-difference-between-rent-only-and-rent-plus-acquisition/</loc>
<lastmod>2026-02-22T20:51:05+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/can-i-sell-the-property/</loc>
<lastmod>2026-02-22T20:51:25+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/are-the-rates-in-islamic-finance-competitive/</loc>
<lastmod>2026-02-22T20:51:46+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/two-contracts-in-one-is-not-sharia-compliant-so-why-do-you-have-co-ownership-with-leasing/</loc>
<lastmod>2026-02-22T20:52:02+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/can-you-give-me-finance-before-i-have-found-a-property/</loc>
<lastmod>2026-02-22T20:52:35+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/do-you-offer-right-to-buy/</loc>
<lastmod>2026-02-22T20:52:53+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/how-does-the-solicitor-process-work-and-do-you-recommend-any-solicitors/</loc>
<lastmod>2026-02-22T20:53:29+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/which-solicitors-do-you-have-on-panel/</loc>
<lastmod>2026-02-22T20:54:03+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/can-we-make-structural-changes-to-the-property/</loc>
<lastmod>2026-02-22T20:54:22+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/are-your-home-finance-products-just-for-muslims/</loc>
<lastmod>2026-02-22T20:54:39+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/is-the-home-purchase-plan-available-for-expats/</loc>
<lastmod>2026-02-22T20:55:22+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/are-you-a-bank-and-do-you-offer-savings-accounts/</loc>
<lastmod>2026-02-22T20:55:40+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/how-do-i-get-in-touch-with-the-intermediary-team/</loc>
<lastmod>2026-02-22T20:56:14+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/how-do-i-register-as-an-intermediary/</loc>
<lastmod>2026-02-22T20:57:05+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/do-you-offer-finance-on-properties-outside-of-england-and-wales/</loc>
<lastmod>2026-02-22T20:57:22+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/do-you-offer-an-online-portal-for-intermediaries/</loc>
<lastmod>2026-02-22T20:57:45+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/what-is-a-dip-aip/</loc>
<lastmod>2026-05-12T09:55:00+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/im-a-uk-expat-am-i-eligible/</loc>
<lastmod>2026-05-12T09:55:24+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/is-it-risky/</loc>
<lastmod>2026-05-12T09:55:47+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/are-there-any-tax-benefits/</loc>
<lastmod>2026-05-12T09:56:11+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/can-anyone-get-a-buy-to-let-finance/</loc>
<lastmod>2026-05-12T09:56:35+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/how-much-do-i-need-to-earn-to-get-a-buy-to-let-finance/</loc>
<lastmod>2026-05-12T09:57:01+00:00</lastmod>
</url>			<url>
<loc>https://offa.co.uk/faqs/is-it-possible-for-friends-or-family-to-contribute-to-the-deposit/</loc>
<lastmod>2026-05-29T10:58:33+00:00</lastmod>
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