Clearly better banking - good move!


Get the most home for your money with the advantages of a Luminus Financial pre-approved M-Series mortgage. We’ll make sure you get a mortgage you can live with comfortably in the years ahead. Whether you’re a buying your first home or upgrading to a larger place, we'll be with you every step of the way to build your best mortgage.

Luminus Financial mortgages offer:

  • Convenient term lengths - variable or fixed 1, 2, 3, 4, 5 or 7 years
  • Flexible repayment schedules - weekly, bi-weekly, semi-monthly and monthly
  • Payments can be made through payroll deductions, automatic transfers or direct deposit
  • Lump sum payments accepted - up to 20% prepayment annually without penalty
  • Increase payment options of up to 20% once per year
  • Up to 95% financing
  • Up to 30 year amortization (with a 20% down payment)
  • Rates guaranteed for 120 days
  • Accelerated payments available
  • Mortgage life insurance, disability and loss of employment insurance available. Learn more here.

In addition to these great terms, we offer some exciting BONUS incentives* unique to Luminus Financial.

When you sign up for a mortgage, you'll be pre-approved for an automatic $5000 Line of Credit* to help you set up your home.

You also get a FREE FiveStar Chequing Account**, with no monthly fees, no minimum monthly balance, no transaction fees and $500 in Overdraft Protection.

We can also help you protect your investment with competitive home and title insurance. Learn more here.

And don't forget our exclusive Member Rebate Program. It's our way to pay you a bonus for having your mortgage - and more - with us! Find out more.

Mortgage Renewals

If you're renewing your mortgage, we offer very competitive renewal and refinancing options, even if your mortgage is with another financial institution. And if you switch to Luminus Financial, we'll waive the transfer-in fees* for your mortgage – so the change is that much easier to make!

Apply today, and you'll be on your way to your new home! Call our Mortgage Specialists at 416.366.5534 or 1.877.782.7639 to set up an appointment or get pre-approved now.

* Some restrictions may apply and the fees may be subject to credit approval.
** Luminus must be set up as your primary financial institution with direct deposit of payroll in order to be eligible for a FiveStar Chequing Account.