Credit union
Luminus Financial mortgage rates
Checked against Luminus Financial's own rate page on September 30, 2026: 14 products.
Luminus Financial publishes a lender-hosted mortgage pricing page with the rate, term and qualification context used for this public listing.
Visit the official lender website opens in a new tab- Distinct products
- 14
- Published pricing rows
- 14
- Published regions
- Ontario
- Last checked
- September 30, 2026
Qualification and structure signals present in the public records
- Categories
- Fixed
- Positions
- First mortgage
- Term range
- 1–7 years
- LTV and fee coverage
- LTV not stated · fees shown on 14 of 14 rows
These are published fields, not an underwriting model. Credit, income, property, location and transaction details can still change eligibility or pricing.
Published pricing
Mortgage products from Luminus Financial
Lender profile reviewed September 1, 2026
Fixed
5 Year Fixed Mortgage
Published rate
From 4.19% for 5-year fixed
- Term / position
- 5 years · First mortgage
- Checked
- September 30, 2026
Fixed
3 Year Closed Fixed Mortgage
Published rate
From 4.59% · 3-year closed
- Term / position
- 3 years · First mortgage
- Checked
- September 30, 2026
Fixed
3 Year Closed Co-op Mortgage
Published rate
From 4.84% · 3-year closed co-op
- Term / position
- 3 years · First mortgage
- Checked
- September 30, 2026
Fixed
5 Year Closed Co-op Mortgage
Published rate
From 4.99% · 5-year closed co-op
- Term / position
- 5 years · First mortgage
- Checked
- September 30, 2026
Fixed
4 Year Closed Fixed Mortgage
Published rate
From 5.44% · 4-year closed
- Term / position
- 4 years · First mortgage
- Checked
- September 30, 2026
Fixed
2 Year Closed Fixed Mortgage
Published rate
From 5.49% · 2-year closed
- Term / position
- 2 years · First mortgage
- Checked
- September 30, 2026
Fixed
1 Year Closed Fixed Mortgage
Published rate
From 5.54% · 1-year closed
- Term / position
- 1 year · First mortgage
- Checked
- September 30, 2026
Fixed
4 Year Closed Co-op Mortgage
Published rate
From 5.79% · 4-year closed co-op
- Term / position
- 4 years · First mortgage
- Checked
- September 30, 2026
Fixed
2 Year Closed Co-op Mortgage
Published rate
From 5.94% · 2-year closed co-op
- Term / position
- 2 years · First mortgage
- Checked
- September 30, 2026
Fixed
7 Year Closed Fixed Mortgage
Published rate
From 5.99% · 7-year closed
- Term / position
- 7 years · First mortgage
- Checked
- September 30, 2026
Fixed
1 Year Open Fixed Mortgage
Published rate
From 6.00% · 1-year open
- Term / position
- 1 year · First mortgage
- Checked
- September 30, 2026
Fixed
1 Year Closed Co-op Mortgage
Published rate
From 6.09% · 1-year closed co-op
- Term / position
- 1 year · First mortgage
- Checked
- September 30, 2026
Fixed
7 Year Closed Co-op Mortgage
Published rate
From 6.09% · 7-year closed co-op
- Term / position
- 7 years · First mortgage
- Checked
- September 30, 2026
Fixed
1 Year Open Co-op Mortgage
Published rate
From 6.10% · 1-year open co-op
- Term / position
- 1 year · First mortgage
- Checked
- September 30, 2026
Record history
Each line is a check at which the figure recorded here changed: the lender moved its rate, or an earlier record was corrected. History starts with the first full source check on September 29, 2026.
- September 30, 20261 Year Closed Fixed MortgageFrom 5.99% · 1-year closed changed to From 5.54% · 1-year closed
- September 30, 20262 Year Closed Fixed MortgageFrom 5.84% · 2-year closed changed to From 5.49% · 2-year closed
- September 30, 20263 Year Closed Co-op MortgageFrom 5.84% · 3-year closed co-op changed to From 4.84% · 3-year closed co-op
- September 30, 20264 Year Closed Fixed MortgageFrom 5.69% · 4-year closed changed to From 5.44% · 4-year closed
- September 30, 20265 Year Closed Co-op MortgageFrom 5.25% · 5-year closed co-op changed to From 4.99% · 5-year closed co-op
Source and methodology
Official lender-hosted public mortgage pricing page. Product cards group public rows by lender and product name. The smallest displayed rate is a navigation label only; open the product record to match the relevant credit, property, LTV, term and fee row.