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
Revisiting Counselling Foundation Fundamentals: Register!
Become an agent of change in addressing client fear and learn about the intrinsic nature of social service practices. We'll also discuss how to utilize behavioural techniques to explore personal values and beliefs surrounding money and financial products.
Buying In with Scott McGillivray: Watch now!
First-time homebuyers wishing to purchase a home with less than 20% down are featured in this digital series. Sagen is pleased to be a sponsor.
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.
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
Blueberry Fields Community Garden, sponsored by Home Suite Hope, has been feeding families with fresh produce since 2016. Recently, The Sagen Team had the opportunity to help prep the soil for the next season. Check out their website to volunteer https://www.blueberryfields.ca/.
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Last Call | Don't forget, CHBA's CEO Kevin Lee & @Sagen’s Kiki Sauriol-Roode will delve into the results from Sagen’s First-Time Homebuyer Survey and Financial Fitness Study in a member-exclusive webinar tomorrow. CHBA members, register to tune in at http://chba.ca/webinars