Mortgages for

Prime borrowers

Self-employed

First-time homebuyers

Prime borrowers

Canada's expert no-fee mortgage broker service.

Tell us what matters and we'll do the rest

You want to get in with less.

Don’t have 20% up front? No problem. Lotly offers insured mortgages and down payment assistance programs that reduce your up front cost.

You want to buy more home.

With Lotly, you get access to unique mortgage products that maximize your purchasing power and allow you to buy the home of your dreams.

No monthly cost icon

You need lower payments.

Low rates means low monthly payments. Lotly works with 35+ lenders across Canada to negotiate the lowest possible rate for you.

Advice on demand.

Buying a home can be stressful. Our dedicated mortgage 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

Get the best rate with 30+ lenders in Canada

Lotly mortgage is for you

First-time buyer

There is a lot going on and all the mortgage jargon is not helping. We will walk you through the process and help you make the right decision.

Online shopper

Get your rate online and then continue using our digital platform or connect with a mortgage agent. You can get as much or as little help as you need.

Imperfect credit

Credit problems shouldn’t keep you from home ownership. We can get you a mortgage and recommend credit building programs.

Self-employed

Reduced your taxable income? We can help by qualifying you based on gross income.

Side hustle income

Do you make money on the side? We can include these earnings so you qualify for more.

Real estate investor

From using rent as a income stream to renovation financing, we have your investment property needs covered.

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.