Tools & Resources


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 - Purchase Plus Improvements (PPI)
Help qualified home buyers roll home improvement costs into their mortgage with as little as 5% down.
Download

Construction Worksheet - Self Built Homes
The worksheet will help individual home buyers manage their new home construction.
Download

Inspection Request Worksheet
Reward home buyers purchasing energy-efficient homes or making energy saving renovations with significant savings.
Download

Premium Rates
See all program premium ratesStandard 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%
Payment Calculator
The Mortgage Payment Calculator helps you calculate several different aspects of your mortgage.
Payment CalculatorPremium Calculator
The Premium Calculator helps you calculate the mortgage insurance premium on any of our products.
Launch Premium CalculatorPurchase 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