How your return is calculated

Let’s assume you buy a house worth $1 million. With Lotly you would need less than $80 thousand up front. Now assume you pay your mortgage each month and the home appreciates to $1.36M in 5 years (8% annual appreciation). At this point you’d have a total of just under $250 thousand in equity. The $250 thousand is made up part of your initial payment ($50 thousand), your piece of the appreciation ($90 thousand), and what you’ve paid down on the mortgage ($110 thousand).

Buy a home with only 5% down.

We invest with you to reach a 20% down payment
You don’t pay any interest on our investment
You decide when to buy us out
You always keep a majority of home equity

Buy a home with only 5% down payment.

We invest with you to reach a 20% down payment
You don’t pay any interest on our investment
You decide when to buy us out
You always keep a majority of home equity
As seen in

“I would recommend Lotly to people like me who are looking to buy their first home. You know it’s tough getting into the market.”

Yash needed to buy a home for his growing family. We worked together to find a place that fits his needs. He started shopping in November 2022, and his offer was accepted and closed in January 2023.
Yash P, Lotly homebuyer

How you can buy a home with Lotly

Home buyer with Lotly investors
01.

Lotly fund contributes up to 15% of your down payment. You’ll put down as little as 5% and other purchase costs (approx 3%).

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Home buyer with their dream home
02.

You own and live in your home. You are responsible for paying the mortgage and monthly bills.

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Lotly investors being paid their shared equity
03.

Buy us out through a sale or refinance. Lotly gets back our initial contribution plus our share of the home’s appreciation. We only make money if you do, i.e. when the home has increased in value.

6 reasons to buy a home with Lotly

Start building wealth now

Don’t wait to save a large down payment. While rent can be cheaper than a mortgage, you create more wealth by building home equity.

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Increase your buying power

Don’t settle for what you don’t want. Co-buying with Lotly increases your max purchase price so you can buy a home you’ll love right away.

Keep more of your cash

Maybe you don’t want your lifestyle to change. Maybe you want to invest the rest of your savings elsewhere. With Lotly, you decide what you put in.

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Reduce monthly payments

A 20% down payment will help lower your monthly payments. You will avoid paying for mortgage insurance and will qualify for a longer amortization period.

Dedicated experts for you

Buying a home can be stressful. Our dedicated account managers walk with you through the process, from getting a mortgage to closing on your home.

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Always own majority equity

You’ll always own at least 51% of the appreciation. We believe homeowners deserve to leave our partnership with real wealth. After all, it is your home!

5% is all you need to buy today. We take care of the rest.

You decide the amount of down payment you put in from 5% up. The more you put down, the more home equity you keep. No matter what, you always have the majority of home equity.

5% down is all you need to buy today.

You can contribute a minimum of 5% toward the down payment. The more you put down, the more home equity you keep.

Pay 0% interest — we split the value change when you sell or refinance.

Lotly receives our original down payment contribution plus our share of the home's appreciation (i.e. the change in value). Payout is calculated based on the upfront contribution.

How much of the home's appreciation do homeowners receive vs. investors?

Your contribution
5%
Investor contribution
15%
Investors pay remaining 14%
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You are entitled to
51% of the appreciation
+ initial contribution
+ principal paid down on the mortgage
Investor payout
49% of the appreciation
+ initial contribution
If the home loses value over time, investors will share in the downside. This means investors will lose a part of their initial contribution, up to the whole amount if prices fall drastically. With Lotly, homeowners & investors win together and lose together.

Buying with Lotly could build you $224,178* more wealth than if you stayed renting for the next 7 years.

Lotly versus rent calculator

*Calculation based on $900,000 property in GTA, 7% home price appreciation, 5.5% mortgage rate, 25yr amortization

Hear from our homebuyers

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!
Jason N
Google reviews
Process to date has been extremely easy with all my questions as a first-time home buyer.

Questions? We have answers.