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
Holiday Hours are now available!
Our holiday hours begin on December 24, through to January 4. To contact our Underwriting Centres, please visit our Underwriting page linked below.
Fall/Winter Digest: Download today!
Download our seasonal digest to read about key takeaways from our First-Time Homebuyer Study and improvements for creating a greener home. This digest is filled with insights to help borrowers throughout their home ownership journey.
UPS Enhancements: Now available!
Our Underwriting Policies and Standards (UPS) have been updated to help you find what you’re looking for! Stay tuned for up-to-date information on interest rates, policies, guidelines, and more.
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
In 2021 Sagen was featured in @smcgillivray's series ‘Buying In’. We’re proud to help first-time homebuyers purchase a home with less than 20% down and offer a range of products http://ow.ly/GSLV50HuamX.
Check it out here: http://ow.ly/44wT50HuamY! #firsttimehomebuyer #homeowner