Money for all homeowners.

Own a home? You’ve got options.
Get the money you deserve today.
Get approvedGet approved
All credit welcome
Genuine support
Easy approval
Flexible lending

Turn your home into cash, for whatever you need.                   

Debt consolidation
Multiple credit card debts? Consolidate into one simple payment and save.
Home repairs & renovation
Tackle repairs or upgrades and increase your property value!
Emergency expenses
Life happens. Good thing you can rely on your home equity to get access to cash.

We will get you approved.

Side-gig income? Credit challenges? Life doesn’t fit inside a checkbox, and neither should your financing. Whatever your story, we’ll help you unlock affordable options that work.

Realadvice,whenever you need it.

Needing a loan can be stressful, but we’re here to help. We work in your best interest, and we’re here when you need us. Get started here to connect with us today.

How does it work?

1.
Apply in a minute

It takes just a few minutes. Tell us how much you need and how we can help.

2.
Talk to an expert

Let’s talk. We will listen closely and find the solution that fits you best.

3.
Get your funds!

Say yes to the most affordable loan, send your docs, and get your funds!

Lotly helped me and my family through a hard time. They were incredible – told me facts and completely honest.

Brian D

These are people who care and love their jobs. Any worry I had were answered above and beyond.

Cyrstal S

I received my approval in record time! My agent was Incredibly knowledgeable and attentive.

Nora

I finally got the home loan my family needs, and can afford. Their professionalism was off the roof.

Tahid S

When things didn’t go our way, Lotly went above & beyond to try other ways and got us approved. Thank you so much!

Janifer F

My experience was very pleasant. Lotly secured a very reasonable loan rate within my time frame. Very smooth process.

Claudio

I’m still in shock. The financial stress has been impacting my health. I see a light and I’m so grateful!

Jennifer A

We felt like Lotly was truly doing everything they could to get us the best deal. Would 100% recommend to others.

Bev E

Lotly helped me and my family through a hard time. They were incredible – told me facts nad completly honest.

Brian D

These are people who care and love their jobs. Any worry I had were answered above and beyond.

Cyrstal S

I received my approval in record time! My agent was Incredibly knowledgeable and attentive.

Nora

I finally got the home loan my family needs, and can afford. Their professionalism was off the roof.

Tahid S

When things didn’t go our way, Lotly went above & beyond to try other ways and got us approved. Thank you so much!

Janifer F

My experience was very pleasant. Lotly secured a very reasonable loan rate within my time frame. Very smooth process.

Claudio

Join 1,000+ happy customers

Lotly home financing vs. others

Flexible, creative solutions
Credit score requirements
Income requirements
Recent bankruptcy or consumer proposal
Transparent fees & cost
Flexible, creative solutions
All credit scores
All credit scores welcome
All income types
All income types accepted
Accepts recent bankruptcy or consumer proposal
Transparent fees & cost
Other lenders
Cookie-cutter solutions
620 and up
620+ score required
T4 preferred
T4 income preferred
Won't accept recent bankruptcy or consumer proposal
Hidden fees & cost

Questions? We have answers.

At Lotly, we specialize in helping homeowners make the most of their home’s value. We offer a wide range of home loans, including secured lines of credit, secured loans and cash out refinances. Whether you’re tackling renovations, paying off debt, or planning something big, we’ll work with you to find the right solution for your unique situation.

Yes — Lotly’s services are designed specifically for homeowners in Ontario. If that’s you, we’d love to explore how we can help!

People use their Lotly home loan for things like home renovations, paying off high-interest debt, covering unexpected expenses, starting a business, funding big life events, or even taking a well-deserved vacation. We will help you put your home’s value to work for you.

That depends on your financial profile and how much equity you have in your home. Our goal is always to help you make the most of your equity - whether that’s improving your cash flow, saving money, or accessing extra funds for your needs. We’ll help you optimize your finances while getting the cash you need. The best way to understand your options is to connect with our team for a personalized assessment.

We offer a wide range of rates and flexible terms. At Lotly, we believe in money for all homeowners, and our mission is to help you find the best option for your needs. Either a short-term financing for a lump-sum payment in the near future, or a longer-term option with manageable payments, we’re here to make sure your financing truly works for you.

At the moment, we only provide home financing solutions in Ontario. But if you’re looking for a smaller personal loan, you might want to check out LoansCanada. They’ll connect you with several personal loan options so you can compare and choose what’s best for you. Just remember to do your own research and read the details before committing to any lender.

About Lotly.com

Lotly’s mission is to provide financing for all homeowners. Whether you have non-traditional income or imperfect credit, we specialize in crafting creative financing solutions that fit your life.

Our office

We are currently located at 410 Adelaide Street West in Toronto, Ontario.