Tools & Resources

Looking for forms, reference charts, interest rates, lender updates, or our underwriting policies and standards? Find it here.

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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 UPS

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%

The above chart is for mortgages with an amortization that is 25 years or less. If a mortgage is eligible for an amortization greater than 25 years (up to 30 years) an additional premium of 0.20% will apply.

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%

Payment Calculator

The Mortgage Payment Calculator helps you calculate several different aspects of your mortgage.

Payment Calculator

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