Tools & Resources

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

FirstHome

A step-by-step guide for first-time homebuyers.
Welcome Home

Sagen’s New to Canada Program (NTC) makes it easier for newcomers to get financing and to purchase their first home.
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Home Sweeter Home

Turn that fixer-upper into a head-turner. All it takes is TLC & PPI.
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Lender Updates

Read More
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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

Lender Forms & Worksheets

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Renovation Worksheet-PPI

Help qualified home buyers roll home improvement costs into their mortgage with as little as 5% down.
Blueprints for a house
Construction Worksheet - Self Built Homes

The worksheet will help individual home buyers manage their new home construction.
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Inspection Request Worksheet

Reward home buyers purchasing energy-efficient homes or making energy saving renovations with significant savings.
See all Lender Forms & Worksheets

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%
See all Premium Rates Charts
  • 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%

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Interest Rates

Compare interest rates across financial institutions for any term length.

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My Marketing Source

Promote yourself with professional marketing tools 24/7.

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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

Our Policies

Have a question?
Get in touch

Contact Us

Check your application status

Our Internet Excel program is now known as MySagen. If you’re a user of this program, submit an application here. Alternatively, you can submit through your lender portal.

Launch MySagen