Published mortgage terms, side by side. Rates reviewed August 2026.
Best for: Ontario homeowners who need a small equity takeout that larger lenders will not write
Apply Now Full profileBest for: Borrowers who want the lowest published mortgage rate and a fully digital process
Apply Now Full profile| Lotly | nesto | |
|---|---|---|
| Amount range | $15,000 – $10,000,000 | $50,000 – $10,000,000 |
| Rate | 6 - 16% APR | From 4.04% APR |
| Term | 12 – 60 months | 60 months |
| Funding speed | 7 days | 2 days |
| Minimum income | $1,500/month minimum | $1,500/month minimum |
| Income types | 3 income types accepted | 3 income types accepted |
| Minimum credit band | poor | poor |
| Provinces | 1 provinces | All provinces and territories |
