# Mortgage Insurance Considerations: Navigating Renewal Hill

> For insured residential mortgages, FRFIs must comply with mortgage insurers' debt serviceability requirements.

Category: Financing
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/financing/mortgage-insurance-considerations-navigating-renewal-hill

## Answer
For insured residential mortgages, FRFIs must comply with mortgage insurers' debt serviceability requirements. CMHC provides mortgage loan insurance tailored for self-employed borrowers. Sagen offers a Business for Self (Alt.A) Program as an alternative. Strategically aligning borrowers with suitable insurance programs is crucial.

## Related guide
- https://ratellow.com/guides/self-employed-mortgage-bfs

## Sources
- Guarantors and co-signors of mortgages — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017#2.3.2
- Contents — https://www.sagen.ca/ups/underwriting-documentation/#documentation
- I. Purpose and scope of the guideline — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017#1.0