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.

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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.

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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