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*$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.

2/23/2024 Fundamental Review

February 23, 2024
Happy Friday! Let’s dive into it! Real Estate TD predicts that house price inflation in Canada is set to resume: According to CBC, rents rise 10% year-over-year in Canada in January 2024; recent data such as this is making it very difficult for Bank of Canada to start thinking about cutting rates...

Read "2/23/2024 Fundamental Review..." »

What to do if your mortgage application is denied

February 14, 2024
If you're turned down for a mortgage, it doesn't have to end your dreams of homeownership. Here's what to do next.

Read "What to do if your mortgage application is denied..." »

1/26/2024 Fundamental Review

January 26, 2024
Real Estate. According to the Bank of Canada, the rise in Canadian rents is perfectly correlated with population growth. It is hoped that the recent changes to the foreign student visa program announced by the Federal Government will be implemented promptly to alleviate the pressure on Canadians who are struggling with skyrocketing...

Read "1/26/2024 Fundamental Review..." »

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 »

Read latest ‘Balance’ for free!

Our monthly e-newsletter to help you and your family got the most out of home ownership.

Current balance Newsletter for FREE!

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Beat the Heat: Cool window solutions, Classic Summer Reads for Canadians, Homemade BBQ Sauce Ingredients, What People Say About Us, July Sudoku

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%.