Our promise is to you.
We’re Sagen™, Canada’s largest private default mortgage insurance provider. We’ve been in business for over 35 years and have earned a reputation for being a trusted advisor to all our customers from coast to coast.
What's New
2022 First-time Homebuyer Trends and their Financial Fitness: Download now!
2022 Financial Fitness Study results are now available! Our 2022 study provides a snapshot of Canadians’ homeownership attitudes and financial fitness.
Spring/Summer 2022 Digest: Download now!
It’s available! From exclusive homeownership insights to high-impact home improvements, this season’s issue of A Better Way to Homeownership is packed with engaging and relevant content for homebuyers.
Our Underwriting Hours
Whether it’s a phone call to answer your questions or a review of your file, we’re here to share our deep understanding of the Canadian mortgage industry with you.
Get to Know Our Products
Homebuyer 95 Program
Enable qualified borrowers to become first-time homeowners with as little as a 5% down payment.
New to Canada Program
Help individuals who have recently immigrated or relocated to Canada to purchase property with as little as 5% down.
Underwriting Policies & Standards (UPS)
The ultimate lender’s resource. Find up-to-date information on policies, guidelines, and more.
View & Search UPS
Homeowner Assistance Program (HOAP)
Life happens. HOAP can help. Our assistance program provides support to homeowners experiencing financial hardship so that they can stay in their homes.
Learn moreTools & Resources
View all tools & resources
Lender Updates
Get the latest news for lenders.
Forms and Worksheets for Lenders
Download worksheets for renovation, construction, and inspections requests.
Premium Rate Chart
Get a quick snapshot of standard rates that apply to a number of Sagen products.
Industry Insights
Stay on top of key industry information with our studies and publications, plus some great reads we’ve curated from across the web.
Go to Industry Insights