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We make home ownership easy

BANKING MADE SIMPLE

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!

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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.

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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.

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Why choose a mortgage from Luminus Financial?

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.

SECURE YOUR HOME

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.

Explore Home Insurance

Member news & articles

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Back-to-School Costs: A Calm Plan to Pay for Them Without Panic

Back-to-school season has a way of multiplying. One minute, you are buying pencils and notebooks. The next, you are looking at shoes, lunch containers, activity fees, haircuts, backpacks, sports gear, and…

The Power of Sinking Funds: Save for Big Expenses Without Feeling Broke

Big expenses are easier to manage when you plan for them in smaller pieces. Here's how sinking funds can help you save for annual bills, holidays, repairs, and other costs without last-minute panic.

Mortgage Basics for First-Time Buyers Who Feel Overwhelmed

Buying your first home can feel like learning a new language. Here’s a plain-language guide to mortgage basics, pre-approval, and fixed versus variable rates.

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