Often, our best customers ask us, "What do
we need to qualify?"

  • Located in or near an urban centre
  • Good income (eg. dual income, stable employment)
  • Consistent payment history
  • Over 35% equity in your home
  • Positive net worth (include RRSPs, savings, stock, vehicles & other assets)
  • Home owner for three years or more

If some or all of this sounds like you, find
out how much you qualify for by filling out
our online application.
The loan process was fast and efficient. We borrowed enough from our home equity to consolidate debts,lower the interest payments; and finish some home renovations. Keep up the excellent work.
Muhamad S., Mississauga, Ontario
After an assessment, Capital Direct determined that I had more than enough equity in my home to purchase an investment property, and as a result I purchased my first property. Thank you!
Monte L., Stony Plain, Alberta

Get the Right Loan,
Simply and Directly
Apply Online Today
I want to express my heart-felt appreciation for the opportunities that Capital Direct has opened up. When others said no, Capital Direct saw the value of my home and made it possible for me to finance my dreams. I tip my hat to Capital Direct.
Jun Paul, O., Vancouver, BC

Capital Direct provides loans based primarily on the equity value of your home. We've helped thousands of Canadians over the past 12 years. Approved applicants typically receive their funds within days, not weeks.

Loans for Your Goals and Needs

Our mortgage planners have a deep understanding of using home equity to accomplish your goals. We provide loans for so many different reasons. Some of the most common needs of our clients include

  • Consolidate your bills - what better time than now to say goodbye to those unwanted, high interest payments. By consolidating your payments, you can simplify your money. You'll have fewer bills to pay, and a consistent payment plan, helping to reduce stress. In the process, by paying off all those bills, you can improve your credit rating, and keep more of your hard earned cash in your pocket.

  • Home upgrades and renovations - improve your living space and increase the value of your home at the same time. Many of our clients are upgrading to add a suite for rental income. If you are considering upgrades that will improve the environmental impact of your home, we'll show you all the green rebates available to you both federally and provincially. With this year's budget, additional tax benefits may be available.

  • Needs as unique as you. We've helped hosts of clients with other needs too. Whether you are going back to school, or investing in your child's education; starting up a small business or expanding an existing one; paying for a dream wedding; or even if you just need some extra cash to deal with an unexpected, temporary situation - we can help you meet those needs.

How It works:

Getting a home equity loan with Capital Direct is fast and straightforward. We'll guide you through each step of the borrowing process. If others are involved, such as lawyers, credit bureaus, or your bank, we'll make sure you understand the information you need to provide, and we'll help you with every step.

1. Fill out our 4 minute Equity Loan application
2. Capital Direct will get started on your application right away and contact you to clarify your plans.
3. We'll help determine the equity value of your home, so you can decide how much to borrow.
4. Once the evaluation is complete, we'll prepare documents for your approval.
5. Our people will take care of the rest.
6. You get the funds that you need.

What Our Customers Say:

For over 10 years, we've help thousands of Canadians receive the funds they need to achieve their goals. We're proud of the consistently great feedback that we get.

"What began as a visit to your website turned into a mortgage that fits our budget and now we are able to spend more time planning our new home and being with family. The biggest benefit for us was increasing our cash flow. Great service with smiles. Very informative. Thanks!"

~ Joeseph & Shelly B., Aldersyde, Alberta

"I was able to pay off all my bills, redo the living room and save money for a rainy day. Before I spoke to Capital Direct, I thought that refinancing my mortgage would lead to higher monthly payments, but I was wrong. I have lower monthly payments. Capital Direct made it easy."

~ Jennifer S. Kingston, Ontario

"I applied online and was approved for a mortgage loan within 48 hours. I am very impressed. Sophia and Olivia are awesome."

~ Reid N., Campbell River, British Columbia

Apply Today for the money you need.