5 Things to Do
with Your Home
Equity This Fall

As the kids head back to school and routines fall into place, September is a great time to take stock of your finances and home goals. If you’ve built up equity in your home, you may have more financial flexibility than you think. Here are five smart ways Canadians are putting their home equity to good use this fall:

1. Consolidate high-interest debt
Carrying credit card debt or other loans? Fall is a smart time to consolidate at a lower rate using your home equity. It simplifies your payments and can help you save significantly on interest.

2. Fund education costs
Whether it’s post-secondary tuition, private school fees, or professional development, education can be expensive. Home equity can help you invest in your family’s future without draining your savings.

3. Renovate before winter
Thinking about new windows, better insulation, or an upgraded kitchen? Contractors are often more available in fall, and you’ll enjoy the improvements all winter long.

4. Set up a home office
Hybrid and remote work are here to stay. A dedicated, functional workspace can increase productivity—and even your home’s value.

5. Build an emergency fund
Accessing home equity to create or boost a financial safety net gives peace of mind, especially heading into the holiday season.

Whether you’re investing in your home, your family, or your future, using your equity wisely can help you stay in control of your financial goals. Want to explore your options? Capital Direct is here to help.

What to Ask During a
Furnace Check

As cooler weather sets in across Canada, your furnace becomes the MVP of your home. Booking a professional inspection in early fall is one of the best ways to ensure your system runs safely and efficiently all season long.

Here’s a quick checklist of what a good furnace inspection should include and what you can ask your technician about:

Filter check and replacement
Dirty filters restrict airflow and reduce efficiency. Ask how often you should be changing yours, based on your furnace type and home size.

Thermostat test
Your inspector should test the thermostat to make sure it’s communicating properly with the furnace. If you’re still using an older model, this is a good time to ask about upgrading to a smart thermostat.

Safety controls and gas connections
All safety features should be tested—including emergency shut-offs and ignition systems. Gas connections should be secure, with no leaks.

Burner and heat exchanger
The technician should clean the burner and inspect the heat exchanger for cracks or corrosion—this is crucial for preventing carbon monoxide leaks.

Blower and ventilation system
Dust buildup in the blower or venting system can impact performance. Everything should be cleaned and properly calibrated.

System efficiency
Ask your inspector how your furnace is performing and whether a tune-up or upgrade could save you money over the long run.

Maple Dijon Roasted Carrots

This side dish is simple, seasonal, and loaded with Canadian flavour. Great for weeknight dinners or early Thanksgiving prep.

You’ll need:

  • 2 lbs carrots, peeled and sliced
  • 2 tbsp olive oil
  • 1½ tbsp maple syrup
  • 1 tbsp Dijon mustard
  • Salt and pepper to taste
  • Optional: chopped parsley for garnish

Instructions:

  1. Preheat your oven to 400°F (200°C).
  2. In a large bowl, whisk together olive oil, maple syrup, and Dijon mustard.
  3. Toss the carrots in the mixture until well coated. Spread them out on a baking sheet in a single layer.
  4. Roast for 25-30 minutes, stirring once halfway through, until the carrots are tender and slightly caramelized.
  5. Sprinkle with salt, pepper, and fresh parsley if you like.

What People Say About Us

We love what we do, and we hope you do too.
Over the years, Capital Direct Lending has helped thousands of Canadians just like you to realize their dreams. But don't take our word for it.

“Easy process to follow.”

Gave us options. Pleasant to deal with. Enables us to pay off higher interest debt and finish renos. Thank you for your services!

Deborah P. Oakville, ON


The equity in your home is something that you've worked hard to build. 'Let your house lend a hand' © Contact a Capital Direct mortgage specialist to discover your options.


September Sudoku

 


  3  
    1
6    
  2  
4    
    9
1 6  
8    
  3 7
     
     
3   5
    3
9   4
2    
9   2
     
     
7 5  
    3
  1 6
  8  
    1
  4  
    9
4    
  2  

Click here to view the solution

Request our new booklet: Borrowing for Success


How to Borrow What You Need to Succeed Guide

Learn how you can use your home equity to your greatest advantage.
To receive your FREE copy of this informative new booklet, email us at [email protected] with the subject line: “New Guide Request”. Please include your full name and postal address, and we'll send you a copy via Canada Post.

Mortgage Broker Licence Numbers: Ontario 10549 / Admin 11408; BC X026311MMB; Alberta MW-9811291; Nova Scotia 10769862.
Capital Direct is a member of CAAMP, MBABC, AMBA, Vancouver Board of Trade, and accredited with the Better Business Bureau.