<?xml version="1.0" encoding="utf-8"?><rss xmlns:media="http://search.yahoo.com/mrss/" xmlns:dc="http://purl.org/dc/elements/1.1/" version="2.0" xmlns:atom="http://www.w3.org/2005/Atom">  <channel>    <title>ManchesterWorld Mortgages</title>    <link>https://www.manchesterworld.uk/topic/mortgages/rss</link>    <description>Visit now for the latest news direct from ManchesterWorld Mortgages and updated throughout the day</description>    <language>en-gb</language>    <copyright>Copyright 2026, Iconic Media Group Ltd</copyright>    <pubDate>Sat, 14 Nov 2026 07:05:18 GMT</pubDate>    <dc:date>2026-11-14T07:05:18Z</dc:date>    <dc:language>en-gb</dc:language>    <dc:rights>Iconic Media Group Ltd or its affiliated companies. All rights reserved. 2026</dc:rights>    <atom:link rel="self" href="https://www.manchesterworld.uk/topic/mortgages/rss" type="application/rss+xml" />    <link rel="hub" href="https://pubsubhubbub.appspot.com/" />        <item>          <title><![CDATA[Mortgage warning as Bank of England raises rates: Expert reveals costly mistake borrowers must avoid in 2027]]></title>          <link>https://www.manchesterworld.uk/your-world/mortgage-warning-as-bank-of-england-raises-rates-expert-reveals-costly-mistake-borrowers-must-avoid-in-2027-9348873</link>          <description><![CDATA[<p>Sam Fox, founder of UK Mortgage Centre, advises borrowers to consider the type of mortgage they have and the overall cost of their mortgage rather than focusing solely on headline interest rates</p>]]></description>          <pubDate>Fri, 13 Nov 2026 09:47:29 GMT</pubDate>          <guid isPermaLink="false">9348826</guid>        <media:content url="https://www.manchesterworld.uk/jpim-static/image/ugc/2026/11/13/09/Sam_1794426621_f65a3ba3-0eb9f0e4de0b05bd.jpg?width=1200&amp;auto=webp&amp;crop=3%3A2" type="image/jpeg" medium="image">            <media:credit>©UKMC</media:credit>            <media:text><![CDATA[Sam Fox -  (©UKMC)]]></media:text>        </media:content>          <dc:creator><![CDATA[Nick Owens]]></dc:creator>          <dc:date>2026-11-13T09:47:29+00:00</dc:date>          <category><![CDATA[Your World]]></category>        </item>  </channel></rss>