Your home
Mortgages
Competitive rates, expert guidance, and a fully digital application.
4.29%
Rates from
95%
Max LTV
35 yrs
Max term
Products
Mortgage types
Fixed Rate
From 4.29% APRTerm: 2, 3, or 5 years
Your monthly repayments stay the same for the fixed term — great for budgeting certainty.
Get a quoteTracker Rate
From 4.09% APRTerm: Lifetime or 2 years
Your rate tracks the Bank of England base rate plus a set margin. Benefit if rates fall.
Get a quoteOffset Mortgage
From 4.75% APRTerm: 2 to 5 years fixed
Link your savings to your mortgage and only pay interest on the difference.
Get a quoteYour home may be repossessed if you do not keep up repayments on your mortgage. Rates correct as of September 2026 and subject to change.
Why us
Why choose a Lumina mortgage
Free online calculator
Use our mortgage calculator to see exactly what you can borrow and estimate your monthly repayments.
Decision in 24 hours
We give you a decision in principle (DIP) within 24 hours of your application — often much sooner.
Dedicated case manager
You'll be assigned a named case manager who handles your application from start to completion.
Fully regulated
Lumina Bank is fully authorised by the PRA and regulated by the FCA for mortgage lending.
Requirements
Eligibility
Aged 18 or over (maximum age 75 at end of mortgage term)
UK resident with right to live and work in the UK
Minimum income of £25,000 per year (sole or joint)
Minimum deposit of 5% of the property value
Good credit history (no CCJs or bankruptcies in the last 3 years)
Property must be in England, Scotland, or Wales
Ready to find your new home?
Get a decision in principle today. No hard credit check until you proceed.
Get a mortgage quote