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

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.

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

Tell us about your goal and your current financial situation. We’ll ask about your income, debts, and credit.

We will show you how the right home financing can help you achieve your goal.

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

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.

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.

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.

Lotly’s mission is to help Canadians stop the debt spiral. We specialize in consolidation loans that help homeowners combine expensive debt into a single, lower payment. We also give homeowners access to fair and stable loans. Our approach focuses on long-term financial health — we give you the cash you need today and protect your future finances.

We are a team of innovators with backgrounds in technology, finance, real estate, and mortgages. We’re backed by some of Canada’s top venture capital firms including N49P, Forum Ventures and Panache Ventures.

Lotly launched in 2021 with a bold mission to make homeownership more affordable. We invented a world first model where anyone could invest in the down payments of real homebuyers. As part of our journey, we discovered a burning need to help homeowners improve their financial health.

Lotly helps homeowners secure fair, stable loans from trusted lenders. We offer secured personal loans, secured lines of credit, mortgage refinancing, and more. We also specialize in consolidation loans that help homeowners combine expensive debt into a single, lower payment. Our approach focuses on improving your long-term financial health — providing the cash you need today while protecting your future finances.

We understand that every situation is unique, whether it involves side-gig income, credit challenges, or complex family issues. Our dedicated advisors are here to listen and assess your circumstances to provide options that work best for you. We go the extra mile by negotiating with several lenders on your behalf to get the best offer you can qualify for.