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 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