Capital Direct Lending - Home Equity Loans & Mortgage Loans

Instant Loan Application
Loan Range:
$10,000 - $100,000	$100,000 - $450,000
$450,000 - $1,500,000	$1,500,000 - $3,000,000
	$100,000 - $450,000 $450,000 - $1,500,000
Name:
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City:
Annual Household Income:
Amount Requested:
First Mortgage Balance:
Property Value:

*$500 Best Rate Guarantee Learn more

With Capital Direct Flexi Line™ you can take what you need when you need it, and pay it down when it works for you.

Pay back at your own pace minimum payment requirements. Pay some, borrow some more. It's a perfect way to deal with unexpected expenses or plan for desired renovations.

We Lend Money To Homeowners

Renovate and upgrade your home, consolidate and simplify your debts, expand or support your business - whatever you need the money for, you can turn your home’s value into money you can work, plan and live with.

Capital Direct’s rapid approvals are based primarily on the equity value of your home, so you'll have your money within days.

Could you use $80,000, $280,000 or even $2.8 million?

Apply online or call us today to get approved.

3 Simple Steps

1. Apply Online

or call 1-800-NEW-CAPITAL (1-800-639-2274)
to talk directly to a mortgage specialist.

2. Get Approved
Your home equity is the key to your approval.

3. Get Your Money
Loan funds can be deposited into your bank account
within 3 business days of your approval.

Baby boomers and gen X are taking on more mortgage debt

November 4, 2024

Rising number of home owners are turning to reverse mortgages, and among those, more are doing so to help their children with a down payment. In a surprising turn of events, Statistics Canada data showed older households took on more mortgage debt in the second quarter of the year, compared with the same period last year...

Read "Baby boomers and gen X are taking on more mortgage debt" »

Sick of home-owner stress, retirees can invest windfall from sale

October 15, 2024

Retirement brings for many the need to simplify. And a trend in paring down has even hit close to home within my own family. In retirement it’s natural to want to remove the stress that comes with owning a single-family home...

Read "Sick of home-owner stress, retirees can invest windfall from sale" »

FP Answers: What investments other than GICs protect buying power?

October 11, 2024

Bonds have earned their place as a sensible diversifier of returns over the long term. Q: I’m a retiree who has more than half her investments in guaranteed investment certificates (GICs). The higher rates have given me good returns of up to 5.5 per cent annually and I have used the extra money to supplement my modest income...

Read "FP Answers: What investments other than GICs protect buying power?" »

Customer Stories

Family & friends have been recommending Capital Direct for years. Hear what our customers have to say about working with Capital Direct.

Bill Good talks to Rob about his completed Home Renovation with Capital Direct below:

As we all know, the best part of a project is being done. Could you use $300,000 or more to organize your life?

View more customer stories here »

What People Say

“ Everyone is so understanding and professional. Jules worked with me in a very polite manner, coached me and made the experience comfortable. I can repair my credit by paying up all outstanding debts and still have a little cash flow for emergencies. ”

Marcia T., Toronto, ON | November 19, 2024

“ Great service, quick response and competitive rates. Richard has been a great representative for Capital Direct. His assistance and knowledge have made my experience smooth and effortless. Always willing to assist and provide best solutions for clients. Thank you! ”

Mary C., Ajax, ON | September 19, 2024

“ Friendly and helpful staff. I had some initial concerns about high interest rates and high costs. Speaking with Nicholas on my initial call though relieved all of my worries for me and made me feel comfortable moving forward. This was my first experience with this type of lending and it's been great. ”

Andrew C., Ajax, ON | August 13, 2024

Capital Direct I Income Trust is Championing Single Mothers Together

Capital Direct's Impactful Partnership with Cause We Care: A Season of Giving

As we start the year with excitement about initiatives and goals for 2024, we at the Cause We Care Foundation want to reflect and acknowledge, Capital Direct who played a part last year in our mission to help single mothers achieve economic security and create positive futures for themselves and their children...

Learn more »

Loan terms range from 12-24 months. For a representative example of a $150,000 equity loan, the total cost of the loan, including all applicable fees, would be $34,540.97, resulting in an APR of 10.92%.