Make home feel more like yours
Plan a renovation, take care of repairs, or create a space that works better for the way you live.
HOME EQUITY LOANS FOR CANADIAN HOMEOWNERS
Your home has a way of opening new doors.
A home equity loan may help you renovate, simplify debt, or make room for your next chapter. Capital Direct Lending helps you explore what could work for you.
A Canadian home equity lender, here to help you find a way forward.
A little more possibility
✳Built around you
and your next chapter
and your next chapter
01 A real conversation
02 Options shaped around you
03 Support from start to finish
YOUR HOME. YOUR NEXT MOVE.
Make room for what matters.
Home equity is the part of your home's value that you own. Depending on your situation, borrowing against it may give you another way to meet a goal or manage a financial challenge.
Bring your finances into focus
Explore whether consolidating higher-interest debts could help simplify what you owe.
Back a goal that's yours
From education to a business idea, find out whether your home equity could support your plans.
Borrowing against your home is a significant financial decision. Your home may be used as security, and missed payments could put it at risk. Approval, available amount, and terms depend on your application and property.
A CLEARER WAY FORWARD
Start with a conversation.
Take it one step at a time.
Every homeowner's situation is different. We'll learn what matters to you, then help you understand the options that may fit.
Talk to our teamTell us what you're working toward
Share a little about your goals, your home, and what you'd like your financing to do.
Explore a solution together
We'll review your needs and explain potential options, costs, and next steps.
Choose what feels right
If you're approved, you'll have the details to make an informed decision before moving ahead.
GOOD TO KNOW
Questions are
part of the process.
Learn the basics, then speak with our team about your own circumstances.
More about how home equity worksWhat is a home equity loan?
It's financing secured by the equity in your home. The amount and terms depend on factors such as your property, existing mortgage, and ability to repay. Your home may be at risk if you don't meet your payment obligations.
How much could I borrow?
There's no one-size-fits-all amount. It depends on your home's value, what you owe, your financial situation, and the lender's approval criteria. An application is needed to understand what may be available to you.
Can I use home equity to consolidate debt?
Some homeowners consider using home equity to consolidate higher-interest debts. Compare the total costs, repayment schedule, and risks carefully before deciding; converting unsecured debt into debt secured by your home changes what's at stake.
Will applying affect my home?
Applying doesn't transfer ownership of your home. If you proceed with approved financing, a charge or mortgage may be registered against the property as security. Ask us to explain any terms and costs before you agree.
WHEN YOU'RE READY
Let's find out what
your home could help make possible.
Start with a few details. There's no pressure to move forward.
Explore home equity financing