We make home ownership easy


Your path to a smart, simple, and secure mortgage

At Luminus Financial, we understand that your home is more than a space—it's an investment in your future. That's why our pre-approved mortgages are designed to ensure you get the most out of your investment. Whether you're a first-time homebuyer or upgrading to a larger space, we're here to guide you every step of the way and help you build your best mortgage.

Why switch to a Luminus Financial Mortgage?

Convenient term lengths
Choose from variable or fixed terms from 1 to 7 years, tailored to your financial preferences.
Up to 95% financing
We offer up to 95% financing to help you achieve your homeownership goals.
Simple renewals
Even if your mortgage is with another financial institution, we offer competitive renewal and refinancing options.

Hunting for the best rates?

Ready to turn the key to your dream home? The time is NOW to explore our latest mortgage rates and pave the way to homeownership!

Top mortgage products

Luminus Ultimate Mortgage

Harness the power of a mortgage and a line of credit, bundled into one
  • Flexible mortgage with built-in credit line: Access up to 80% of your home’s equity.
  • Added convenience: Functions like a line of credit, with the available balance adjusting based on usage.
  • Cost-efficient borrowing: Avoid costs associated with refinancing.
  • Infinite Chequing Account included: Enjoy zero monthly fees, overdraft protection, and Buyer Protection Coverage.

Co-Op & Co-Ownership Mortgages

For community-minded buyers who want to purchase a home
  • More affordable: Co-Ops and Co-Ownership mortgages allow buyers to share in the overall cost of a building or home.
  • Shared costs and responsibilities: Homeowners share responsibilities and distribute maintenance costs.
  • Attractive for community-minded individuals: Co-operatives and co-ownerships create a connected living environment, with residents working together toward a common goal.

Why choose a mortgage from Luminus Financial?

Line of credit
Get pre-approved for an automatic $5000 Line of Credit* to help you set up your home.
Rates guaranteed
Enjoy peace of mind with our 120-day rate guarantee.
Convenient terms
Convenient term lengths from 1 to 7 years and up to 30-year amortization available.
Flexible repayment
Enjoy flexibility with weekly, bi-weekly, semi-monthly, or monthly payments.
Infinite Chequing
Enjoy no monthly fees, no minimum balance, no transaction fees, and Overdraft Protection.
Better rates, lower fees
Increase payments by up to 20% once per year, adapting to your changing financial situation.
Borrow what you need
Up to 95% financing available
Financial education
Credit unions actively promote financial literacy, empowering members with resources.
Mortgage insurance

Protect your biggest investment

Explore the peace of mind that comes with comprehensive insurance options from CUMIS, including mortgage life insurance, disability coverage, and loss of employment insurance. Invest in a future where your dream home is your secure haven.

Member news & articles


Maximizing Your Investments: Understanding TFSA and RRSP Strategies

If you're pondering over where to allocate your hard-earned money, the choice between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP) might seem like a daunting [...]
Read more
RESP Savings

Investing in Your Child’s Future: Unlocking Government Support with RESPs

In an era where the cost of post-secondary education is soaring, planning how you will pay for your child's academic future has never been more critical. One powerful solution is [...]
Read more
Retirement RRSP Basics

RRSP Basics – Setting Retirement Goals and Saving for Your Future

Feeling overwhelmed trying to understand Registered Retirement Savings Plans? We’re here to help. Setting and achieving financial goals is something that we all strive to do. But when it comes [...]
Read more

Ready to get started?

© 2023 Luminus Financial. All rights reserved. | View our Legal and Privacy Policy pages.

Skip to content