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.

How Capital Direct Lending became a Top Mortgage Employer

Canadian Mortgage Professional recently released its list of the top employers across Canada’s mortgage industry – and Capital Direct Lending was among the names on that list, a testament to the company’s stellar reputation in the eyes of its employees. Find out some of the reasons Capital Direct Lending is a great place to work.

Watch the video here!

Mark Carney's Housing Plan: Timeline and Implementation

May 1, 2025

With the Liberals winning a minority government, the focus will turn towards Prime Minister Mark Carney’s plan to fix Canada’s housing crisis. On the campaign trail, Carney proposed a range of measures he said would double the rate of housing construction and build 500,000 new homes a year...

Read "Mark Carney's Housing Plan: Timeline and Implementation" »

Emerging Trends in Canadian Real Estate 2025

March 26, 2025

Published by PwC Canada, this article delves into the mixed outlook for the real estate sector in 2025. It highlights the increasing differentiation in market performance across regions and asset classes, noting that while some areas face challenges due to higher financing costs and changing investor interests, opportunities arise in niche property types...

Read "Emerging Trends in Canadian Real Estate 2025" »

How to add 60 per cent to your home’s value - without adding rooms

December 6, 2024

The interior designer Rukmini Patel reveals how she added £280,000 to a four-bedroom Edwardian home by being clever with layout and overhauling the decor...

Read "How to add 60 per cent to your home’s value - without adding rooms" »

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

“ Getting cash flow. It's a viable option outside of the banks. Especially for a startup business or a business attempting to expand. Capital Direct has many options. We appreciate the mortgage is based on equity and not just sales, for us. Unlike the banks who could not help us. ”

Eduard D., Dunnville, ON | February 11, 2025

“ Thank you very much Richard! He explained everything and removed any concern. Will be able to eliminate our debt in order to get back on track. Exceptional service from all parties involved, definitely refer to family and friends. ”

Adriano L., Kitchener, ON | January 8, 2025

“ 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

The Gentle Density Leaders Summit

The Gentle Density Leaders Summit is an essential gathering for forward-thinkers dedicated to unlocking the potential of gentle density housing in British Columbia and beyond. Don’t miss your opportunity to engage, connect, and collaborate with fellow visionaries who are reshaping the future of our communities by thinking BIG about building small.

Learn more »

About CKNW Kids' Fund and Capital Direct's Generous Donations

For decades, the CKNW Kids' Fund has been a beacon of hope, helping children with physical, mental, and social challenges achieve their potential. Rooted in a tradition of community support and compassionate care, the fund empowers families by providing essential resources, programs, and services that make a difference in the lives of young people across British Columbia.

The impact of the CKNW Kids' Fund is amplified through partnerships with organizations like Capital Direct, a trusted financial solutions company committed to giving back to the community...