Better financing for homeowners.

We’ll guide you on how home financing can help you hit your financial goals.
Get Started
Lotly works with 30+ Canadian lenders

Tell us what matters and we'll do the rest

Lower your payments

We can lower your monthly payments by finding you a better mortgage or by consolidating your high interest debt into a lower interest home equity loan.

Get cash out

We can use a home equity loan to get you cash for whatever you need. Home equity loans have lower interest rates than credit cards or personal loans.

Simplify your finances

Are you struggling to keep track of your bills? We can simplify your finances by moving everything into a single monthly payment.

How does it work?

Complete our online application

Tell us about your goal and your current financial situation. We’ll ask about your income, debts, and credit.

Get a free consultation

We will show you how the right home financing can help you achieve your goal & improve your finances.

Get approved & receive your funds!

You will provide supporting documents & we will work quickly to get you approved.

We’ll give you more options than anyone else.

We don’t just present you with a single loan option and leave you wondering if it’s a good deal. We’ll give you several options to choose from, and discuss each of them with you.

We’ll give you more options than anyone else.

We don’t just present you with a single loan option and leave you wondering if it’s a good deal. We’ll give you several options to choose from, and discuss each of them with you.

We specialize in finding a solution for any situation.

Side-gig income? Credit challenges? Complicated family? Your dedicated home financing advisor will listen and assess your situation to provide options that work best for you.

Hear from our customers

Yash P
Google reviews
With growing interest rates it’s tough for new homebuyers like me, but thanks to Lotly, that dream has come true.
Michael O
Google reviews
My experience with Lotly was a pleasant one. If the cost of owning a home is your only barrier today - Try Lotly!
Jason N
Google reviews
I’m a big believer in their philosophy in helping those who don't have the down payment for their house / condo.
Yash P
Google reviews
With growing interest rates it’s tough for new homebuyers like me, but thanks to Lotly, that dream has come true.
Michael O
Google reviews
My experience with Lotly was a pleasant one. If the cost of owning a home is your only barrier today - Try Lotly!
Umar N
Google reviews
Great service; they helped us find a low-rate mortgage that fit our needs perfectly.
About Lotly.com
Our goal is to help homeowners improve their finances through smart home financing.We will work with you to understand your financing needs, recommend appropriate products, and negotiate with lenders on your behalf. We work with 35+ partners including banks, credit unions, and alternative lenders to get you the best possible product. We work with many customer types including prime borrowers, business owners, and those with imperfect credit.
Our office
We are currently located at 410 Adelaide Street West in Toronto, Ontario.