Roof Needs
Repair Before
Winter Hits

When it comes to home maintenance, few things are as important—or as easy to overlook—as your roof. As weather shifts into cooler, wetter months, now is the time to catch small roofing issues before they become big, expensive problems. Fall is the ideal time to schedule an inspection or maintenance before ice and snow make it harder (and more urgent).

Here are some signs that your roof might need attention this fall:

Missing or damaged shingles
Strong summer winds, UV exposure, and storms can take their toll. Look for cracked, curled, or missing shingles—these can leave your home vulnerable to leaks.

Granules in your gutters
Finding coarse granules (like black sand) in your gutters means your shingles are deteriorating. It’s a natural part of aging, but if it’s excessive, it’s a red flag.

Sagging or uneven areas
This could point to structural issues or water damage. Don’t ignore a dip in the roofline—it could worsen with snow load.

Water stains or leaks inside
Any sign of water spots on your ceiling, or unexplained drips during heavy rain, should prompt an immediate check of your attic and roof.

Moss or dark streaks
These may seem cosmetic, but they can signal trapped moisture, which can shorten your roof’s lifespan.

Is October the Best Month of the Year? We Think So.

Hear us out—October might just be the unsung hero of the calendar. It’s the perfect balance of cozy and vibrant, with a healthy dose of charm. Here’s why we think it deserves the crown:

Peak fall beauty
From the blazing maple reds in Ontario to the golden larches in the Rockies, Canada shows off in October. It’s nature’s fireworks, minus the noise.

Thanksgiving

Canadian Thanksgiving lands just right—early
enough to enjoy fresh fall harvests and far enough from the December holidays to actually relax. No turkey fatigue here!

Sweater weather sweet spot
It’s that glorious window where you can wear a knit sweater, sip something warm, and not worry about shovelling snow. Yet.

Prime indoor season
New TV, good books, rainy-day baking—it’s guilt-free nesting at its finest.

Light Halloween energy
Enough spooky fun to enjoy, but nothing over the top. Pumpkin carving, a few costumes, and some candy.
Just perfect

October has a calm confidence about it. It doesn’t shout for attention like summer or sparkle like December—it just quietly delivers one of the most enjoyable months of the year. So pull on those wool socks, light that cinnamon-scented candle, and enjoy the glory of the month that gets everything just right.

Squash photo

Squash Spotlight:
Why This Humble Veg
Deserves a Starring Role

Health perks?
Plenty. Squash is rich in fibre, vitamin A, potassium, and antioxidants. It’s great for digestion, immune support, and heart health—plus it’s naturally low in calories.

Elevated ways to serve it:

  • Roasted with maple & chili flakes for a sweet-spicy side.
  • Blended into a creamy soup with garlic and thyme.
  • Stuffed acorn squash with wild rice, cranberries, and goat cheese—perfect for a meatless main.
  • Spaghetti squash as a low-carb pasta alternative—just add marinara and fresh basil.
  • Mashed butternut squash with a pat of butter and a dash of nutmeg.

Pro tip: Roast extra and freeze the puree—it’s handy for baking, soups, or quick weeknight meals. So next time you pass the produce aisle, pick up a squash (or three). It’s peak season, after all. Your fall meals will thank you!

Squash photo

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.

“Wish I did it a long time ago.”

The service is great, very professional and efficient. Once I got in touch with Macy I was satisfied that this was what I needed.

Cheryl M. North Vancouver, BC


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.


October Sudoku

 


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

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.