Tools & Resources
Looking for forms, reference charts, UPS, Interest Rates or Lender Updates or more? 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 and 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%
