We help homeowners get fair, stable loans.

Large capital
Low interest rates
Trusted lenders
Personalized options

We help homeowners get fair, stable loans.

Large capital
Low interest rates
Trusted lenders
Personalized options

Tell us what matters and we'll do the rest

Debt consolidation

Consolidating high-interest debt, such as credit card debt, with a home equity loan can lower your overall interest rate and monthly payments.

Home renovations

Renovating your home can enhance your living space and increase the value of your property. This means that if you ever decide to sell, you could potentially make a profit.

Emergency expenses

When life throws you unexpected expenses like medical bills, you can access the funds you need by tapping into the equity in your home.

Lotly works with 30+ Canadian lenders

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.

Get approved & receive your funds!

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

Safe and secure way to get a large loan.

Home equity loans typically offer lower interest rates than personal loans and credit cards, along with longer repayment terms. We work with trustworthy lenders who provide safe choices that match your needs.

Safe and secure way to get a large loan.

Home equity loans, HELOCs or refinancing typically offer lower interest rates than personal loans and credit cards, along with longer repayment terms. We work with trustworthy lenders who ensures you safe choices that match your needs.

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.

Advice on demand.

Needing a loan can be stressful, but we’re here for you. Our dedicated agents are fiduciaries. This means we work in your best interest, and we’re here when you need us.

Call: 647 254 3985
Hours: 8am - 6pm

Advice on demand.

Needing a loan can be stressful, but we’re here for you. Our dedicated agents are fiduciaries. This means we work in your best interest, and we’re here when you need us.

Call: 647 254 0780
Hours: 8am - 6pm

Hear from our customers

Victoria J
Thank you – I am incredibly appreciative of your efforts to ease my concerns, and keeping me well informed every stop of the way.
Jennifer A
I think I’m still in shock. I didn’t think it would happen and the financial stress has been impacting my health. I see a light and I’m so grateful.
Umar N
Great service; they helped us find a low-rate mortgage that fit our needs perfectly.
Victoria J
Thank you – I am incredibly appreciative of your efforts to ease my concerns, and keeping me well informed every stop of the way.
Jennifer A
I think I’m still in shock. I didn’t think it would happen and the financial stress has been impacting my health. I see a light and I’m so grateful.
Umar N
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.