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).

We can help you buy a home

Receive up to $250,000 toward your down payment. We connect you with investors who help with the cost of buying.
Say goodbye to renting, buy with Lotly.
I would recommend Lotly to people like me in Canada who are looking to buy their first home. You know it’s tough getting into the market.
My experience buying with Lotly was amazing. They understood my needs, why I wanted to become a homeowner, and how they could support me in the process. They even offered to go house hunting when I couldn’t, which I don't think most people would do. I'd do it again. The only thing I would change would be having more money saved to buy a bigger house. A million dollar house!
Yash P, Lotly homebuyer
Why Lotly
Yash had been saving for a down payment, but needed more to buy a home big enough for his growing family.
Location
He chose Burlington, and we worked together to find a place he loved that also had high appreciation potential.
His ask
2 bedroom, 2 bathroom condo on a budget of $500K~$700K. Enough space for his wife and newborn.
Timeline
Started shopping: Nov 2022
Offer accepted: Jan 2023
Closed: Jan 2023

How Lotly can help you buy a home

Home buyer with Lotly investors
STEP 01

Lotly gathers investors who will cover up to 15% of your down payment. You’ll put down as little as 5% and other purchase costs (approx 3%).

arrow directing to the next step in Lotly process
Home buyer with their dream home
STEP 02

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

arrow directing to the next step in Lotly process
Lotly investors being paid their shared equity
STEP 03

Refinance or sell the home to pay out investors. Investors are paid out a piece of the home’s appreciation. They only make money if the home has appreciated in value.

Downpayment split between home buyer & investors

Lowest down payment available

Own a home for just 5% down. Your monthly cost will also be lower, because Lotly investors help you get a much larger total down payment. At the end of your term, you’ll get your share of the appreciation plus what you’ve paid down on the mortgage.

Lowest cost option for you

Put down just 5% of the purchase price. Lotly investors contribute up to $250,000 toward your down payment.

How investors are paid out

Investors are paid out when you refinance or sell. They'll be paid their original contribution plus or minus a part of the home's appreciation (i.e. the change in value). Investor payout depends on how much they contributed upfront.

Lotly is designed for homeowners

You always own the majority of home equity
Lotly supports you throughout the buying process
You decide when to sell or refinance
Homeowners & investors win together

Lotly is designed for homeowners

You always own majority of the home equity
Lotly supports you throughout the buying process
You decide when to refinance or sell
Homeowners & investors win together

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.

Earlier entry to homeownership has life changing benefits.

Lotly versus rent calculator

+$138,000

in household wealth vs. delaying a purchase for 5 years*

+$387,000

in household wealth vs. renting for 10 years*

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

We’re a member of these institutions
Toronto Regional Real Estate Board
Ontario Real Estate Association
Missisauga Real Estate Board
Information technology systems ontario

What investors are saying about our fund

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. I’m a big believer in their philosophy in helping those who don't have the down payment for their house / condo.

Questions? We have answers.