Tap your home equity in Toronto, Ontario
Lotly
Rating: 4.9(77)410 Adelaide St W, Toronto, ON M5V 1S8, Toronto, Ontario, M5V 1S8
What you can do at Lotly
Home equity lending here
Lotly offers home equity lines of credit and equity loans against your home.
Other services
- Cash-out refinances
- Home renovation financing
What to expect on cost
Typical APR ranges for the kinds of lending this business does.
- Mortgage
- typically 4–6% APR
Why this range
Lowest rate
Lowest rates from banks, A-lenders and mortgage brokers — priced for strong credit and full documentation. In return they may want income verification, a solid score, and a longer approval process. The model works because it lends large amounts at a thin spread to lower-risk borrowers.
These are general expectations based on typical industry practices and provincial norms — not an offer or an evaluation of this specific business. Actual rates depend on your credit, income, the amount and term, the product, and the day. Always confirm directly and read the agreement.
What we checked
We categorize each listing against a fixed rubric. Here's what qualified this business, with the evidence behind each match.
- Very strong match · 95%
HELOC & home equity
Loan typeA lender or broker offering borrowing against home equity — a home equity line of credit (HELOC), an equity loan, or a second mortgage.
Browse heloc & home equity nearby - Very strong match · 95%
Mortgage broker
Lender typeA licensed mortgage broker or agent that shops multiple lenders to arrange a mortgage for the borrower.
Browse mortgage broker nearby - Browse heloc & home equity · personal line of credit nearbyVery strong match · 95%
HELOC & home equity · Personal line of credit
Offers personal line of creditSpecialty - Browse heloc & home equity · home equity loan nearbyVery strong match · 95%
HELOC & home equity · Home equity loan
Offers home equity loanSpecialty - Browse mortgages · auto refinancing nearbyVery strong match · 95%
Mortgages · Auto refinancing
Offers auto refinancingSpecialty - Very strong match · 85%
Mortgages
Loan typeA mortgage broker or lender arranging home financing — purchases, renewals, refinances, HELOCs, private/B-lender, or reverse mortgages.
Browse mortgages nearby
Frequently asked questions
Does Lotly buy gold?
Yes. Lotly in Toronto operates as mortgage broker, so you can sell your gold there. Call ahead to confirm the day's payout before visiting.
What gold specialties does Lotly handle?
Lotly works with personal line of credit, home equity loan and auto refinancing. That's what sets it apart from other gold shops in Toronto.
What gold amountBands does Lotly accept?
Valuations cover $5,000–$25,000 and $25,000+. A higher karat is a larger share of pure gold, which raises the per-gram payout.
Is Lotly reputable?
Lotly holds a 4.9-out-of-5 rating from 77 Google reviews, a useful gauge before you sell.
How do I contact Lotly?
Lotly is located at 410 Adelaide St W, Toronto, ON M5V 1S8.
What are the alternatives to Lotly for personal line of credit near Toronto?
The nearest comparable options that also handle personal line of credit are Greenbox Capital (1.5 km), CreditReboot Mortgages - Bad Credit Refinance & Home Equity Loan Toronto (1.5 km) and Xcash Money Solutions (10.6 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to Lotly for home equity loan near Toronto?
The nearest comparable options that also handle home equity loan are CreditReboot Mortgages - Bad Credit Refinance & Home Equity Loan Toronto (1.5 km), Xcash Money Solutions (10.6 km) and XCASH FINANCIAL SERVICES INC. (10.6 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to Lotly for auto refinancing near Toronto?
The nearest comparable options that also handle auto refinancing are CreditReboot Mortgages - Bad Credit Refinance & Home Equity Loan Toronto (1.5 km), Advance Mortgages (20.2 km) and Clover Mortgage Inc. (20.4 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to Lotly for mortgage broker near Toronto?
The nearest comparable options that also handle mortgage broker are CreditReboot Mortgages - Bad Credit Refinance & Home Equity Loan Toronto (1.5 km), Advance Mortgages (20.2 km) and Capital Direct Ontario (20.3 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to Lotly for gold near Toronto?
The nearest comparable options that also handle gold are CreditReboot Mortgages - Bad Credit Refinance & Home Equity Loan Toronto (1.5 km), Xcash Money Solutions (10.6 km) and XCASH FINANCIAL SERVICES INC. (10.6 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to Lotly for gold near Toronto?
The nearest comparable options that also handle gold are CreditReboot Mortgages - Bad Credit Refinance & Home Equity Loan Toronto (1.5 km), Advance Mortgages (20.2 km) and CIBC Branch with ATM (20.3 km). Comparing two or three quotes close by is the best way to land a fair price.
Standard hours
Hours not available- Monday
- 8 a.m. – 6 p.m.
- Tuesday
- 8 a.m. – 6 p.m.
- Wednesday
- 8 a.m. – 6 p.m.
- Thursday
- 8 a.m. – 6 p.m.
- Friday
- 8 a.m. – 6 p.m.
- Saturday
- Closed
- Sunday
- Closed
Standard weekly hours, shown in the branch's local time. Holiday and special hours aren't reflected — call ahead to confirm.