Tools & Resources
Looking for forms, reference charts, interest rates, lender updates, or our underwriting policies and standards? Find it here.
Lender Updates
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Underwriting Policies & Standards (UPS)
The ultimate lender’s resource. Find up-to-date information on interest rates, policies, guidelines, and more.
View and Search the UPSLender Forms & Worksheets
Renovation Worksheet-PPI
Help qualified home buyers roll home improvement costs into their mortgage with as little as 5% down.
Construction Worksheet - Self Built Homes
The worksheet will help individual home buyers manage their new home construction.
Inspection Request Worksheet
Reward home buyers purchasing energy-efficient homes or making energy saving renovations with significant savings.
Standard Premium Rate Chart
| LTV Ratio | Premium Rate | Top-Up Premium |
|---|---|---|
| Up to 65% | 0.60% | 0.60% |
| 65.01% - 75% | 1.70% | 5.90% |
| 75.01% - 80% | 2.40% | 6.05% |
| 80.01% - 85% | 2.80% | 6.20% |
| 85.01% - 90% | 3.10% | 6.25% |
| 90.01% - 95% | 4.00% | 6.30% |
Investment Property Program
| LTV Ratio | Premium Rate | Top-Up Premium |
|---|---|---|
| Up to 65% | 1.45% | 3.15% |
| 65.01% - 75% | 2.00% | 3.45% |
| 75.01% - 80% | 2.90% | 4.30% |
- Homebuyer 95 Program
- Borrowed Down Payment Program*
- Family Plan Program
- Progress Advance Program
- New to Canada Program
- Purchase Plus Improvements Program
- Vacation/Secondary Home Program (Type A)
- For Borrowed Down Payment Program (LTV 90.01-95%) the standard premium rate is 4.50% and the premium for portability/top-up is 6.60%
Premium Calculator
The Premium Calculator helps you calculate the mortgage insurance premium on any of our products.
Launch Premium Calculator Purchase Plus Improvements Calculator
Sagen's Purchase Plus Improvements Program (PPI) combines a home improvement loan with your mortgage, in one convenient transaction.
Launch Purchase Plus Improvements Calculator