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Lotly vs Nuborrow

Published home equity loan terms, side by side. Rates reviewed August 2026.

Lotly

Not yet rated

Best for: Ontario homeowners who need a small equity takeout that larger lenders will not write

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Nuborrow

★ 5.0 from 75 reviews

Best for: Ontario and BC homeowners taking a large equity position out of their property

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The short version

Nuborrow publishes the lower starting rate: From 4.99% APR against 6 - 16% APR.
Nuborrow lends the larger amounts, up to $100,000,000.
Nuborrow publishes the faster funding speed: 2 days.
Nuborrow serves the wider set of provinces.

Computed from each lender's published terms, reviewed August 2026. Where a lender does not publish a figure, no claim is made.

Home equity loan

	Lotly	Nuborrow
Amount range	$15,000 – $10,000,000	$20,000 – $100,000,000
Rate	6 - 16% APR	From 4.99% APR
Term	12 – 60 months	12 – 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	2 provinces

Mortgage

	Lotly	Nuborrow
Amount range	$15,000 – $10,000,000	$20,000 – $100,000,000
Rate	6 - 16% APR	From 4.99% APR
Term	12 – 60 months	12 – 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	2 provinces

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