Products & Services
Learn more about the products, services, and programs available to help you serve your customers.
Our products help lenders like you offer mortgage options to more Canadians than ever, from low-income families to new immigrants. Learn more about each product below.
Investment Property Program
Provide qualified borrowers with the opportunity to purchase an additional investment property with as little as 20% down.
Family Plan Program
Help customers buy a home for immediate family with good credit who do not meet standard GDSR/TDSR requirements.
Enable customers to purchase a second home at an affordable monthly payment with just 5% down.
Provide the insurance to allow self-directed RRSP/RRIF funds to be used for non-arm’s length mortgage investments.
Borrowed Down Payment
Make it possible for borrowers who cannot save a required down payment to start building equity now.
Second Mortgage Program
Provide borrowers with a Second Mortgage to be registered against their property up to 95% combined LTV on a purchase.
Help Sagen-insured borrowers to save on the costs of a new mortgage by “porting” their mortgage default insurance.
Business for Self (Alt. A)
Secure mortgage insurance for self-employed borrowers without traditional income who manage their finances responsibly.
Energy Efficient Housing Program
Reward home buyers purchasing energy-efficient homes or making energy saving renovations with significant savings.
Progress Advance Program
Let residential home builders and individual home buyers take advantage of insured progress advances while their property is being built.
Purchase Plus Improvements Program
Help qualified home buyers roll home improvement costs into their mortgage with as little as 5% down.
First-Time Home Buyer Incentive (National Housing Strategy)
The First-Time Home Buyer Incentive helps people across Canada purchase their first home. The program offers 5 or 10% of the home’s purchase price to put toward a down payment. This addition to your down payment lowers your mortgage carrying costs, making homeownership more affordable.
Submit an Application
Submit your application here through the Lender Login (formerly known as Internet Excel). Other users should submit through their lender portal.Start application
We’re not just here to provide products that enable home ownership across Canada. We also offer services that enable qualified individuals to become—and stay—homeowners.
Sagen’s Homeowner Assistance Program (HOAP) is dedicated to helping qualified homeowners weather short-term financial hardships without losing their homes.Learn more
Learn more about Sagen-approved appraisers across Canada. View all