Luminus Ultimate Mortgage

Unlock your home's potential


Simplified borrowing with flexibility

The Luminus Ultimate Mortgage seamlessly combines a mortgage and line of credit in one, offering unparalleled flexibility for your finances. Make payments to the principal while unlocking additional credit, gaining ultimate control over your financial journey. It's the ultimate credit tool, simplifying borrowing for diverse needs.

Benefits of the Luminus Ultimate Mortgage

Access your equity
Borrow against home equity without applying for a new loan.
Cost-efficient borrowing
Avoid costs associated with refinancing or applying for new loans.
Added convenience
Functions like a line of credit, with the available balance adjusting based on usage.

Account features

Ultimate power to allocate your credit
Access up to 80% of your home's equity with the flexibility of choosing fixed- or variable-rate terms. Use the equity line of credit for investments, education, renovations, and more.
One-time application, minimal paperwork
Bid farewell to cumbersome paperwork. Apply once to secure the credit you need, eliminating the need for repeated applications.
Build equity, allocate credit
As you pay down the products under this mortgage, you continue to build equity over time, allowing you to allocate credit for various needs.
Efficient borrowing
The Luminus Ultimate Mortgage is a collateral mortgage product that enables Luminus to lend more money to you as your property value increases without refinancing, streamlining the borrowing process.
Flexible registration
Your Luminus Ultimate Mortgage may be registered for the full value of your home or more, providing flexibility for future borrowing needs. You decide the amount based on your financial plans.
Luminus Ultimate Mortgage
Mortgage Preapproval

The first step toward your dream home

Our preapproval process eliminates the guesswork from your home-hunting journey. By assessing your financial situation, we tailor a solution that aligns with your life. You can easily apply for preapproval online, with the added benefit of a guaranteed interest rate for 120 days.

Frequently asked questions

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