Northwest
University of Calgary, Nose Hill Park, Varsity, Bowness and Tuscany. The quickest route west to the Rockies.
Calgary & area · Since 1997
Your Calgary home has been working hard. Let its equity work for you.
Renovations, debt, a rental property or a new business. Capital Direct lends our own funds to Calgary homeowners, so you get a fast, local decision.
- Approval decisions in 2 business days
- Funds in as little as 5 business days*
- Approvals based on equity, not your credit score
$5M+
of our own funds lent every month
The Capital Direct difference
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01
It's our own money
We lend more than $5 million of our own funds every month, so decisions are made by us, not a distant bank committee.
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02
Equity comes first
Self-employed, bruised credit, or turned down by the bank? We look at the value in your home before anything else.
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03
Real people on Macleod Trail
Our Calgary team works out of the south end of the city and knows the neighbourhoods we lend in.
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04
Straight answers
Free, no-obligation consultations. Every cost is laid out before you sign anything.
Your equity, your plan
What would you do with it?
Finish the basement. Replace the hail-beaten roof.
Calgary homeowners know that a good renovation adds comfort and value. Use your equity to fund the project now, at a rate that is usually far lower than a credit card or line of credit from a store.
Get startedRoll high-interest balances into one payment.
Credit cards, car loans and personal lines can add up fast. Combining them against your home equity can lower your overall monthly payment and make your budget simpler to manage.
Get startedMake the down payment on a rental or cabin.
From a revenue property in the city to a getaway out toward the mountains, your existing equity can help you buy your next property sooner.
Get startedFund the business you've been planning.
Banks can be cautious with self-employed borrowers. Because we lend based on equity, we can help you access capital to start, buy or grow a business.
Get startedQuick estimate
How much equity could you have?
Enter a rough value for your home and what you still owe. We'll show an illustrative figure based on borrowing up to 80% of your home's value.
For illustration only. This is not an offer or approval. Your actual amount depends on an appraisal, your property and your situation.
How it works
From application to funds in about a week
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1
Today
Apply
Complete the online application in about 4 minutes, or call our Calgary office.
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2
Within 2 business days
Decision
We review your property and equity, then give you a clear yes or no with terms.
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3
Within 5 business days*
Funded
Once your documents are complete, the money is in your hands.
*Within 5 business days of successful document completion.
Calgary real estate
NW, NE, SW, SE: we lend in every quadrant
Every Calgary address ends in NW, NE, SW or SE, and we lend right across the city. Whether you own a character home in Inglewood or a new build in Evanston, rising values over the years may have built up more equity than you think.
Nearby, too: AirdrieCochraneOkotoksChestermereStrathmoreHigh River
For current prices and sales activity, see the latest CREB market statistics.
Northeast
Bridgeland, Saddle Ridge and Skyview Ranch, close to YYC airport and some of the city's fastest-growing communities.
Southwest
Mount Royal, Marda Loop, Altadore and Aspen Woods, with the Glenmore Reservoir and plenty of infill renovations.
Southeast
Historic Inglewood, Lake Bonavista, Mahogany and Auburn Bay beside Fish Creek Park, and home to our Macleod Trail office.
Calgary clients
In their words
1 / 4
Being self employed, a bank typically won't work with me. Kenzie was very helpful. Overall, I found the experience to be enjoyable. Kenzie made the process quite simple, walked me through everything.
I liked how Kenzie clearly explained all aspects of the mortgage to us. We have an easier payment schedule that fits our budget. Capital Direct made it an easy and enjoyable process.
Wonderful service and peace of mind. We consolidated debt and lowered our overall payment.
Thank you for going the extra mile! Kenzie has shown great understanding of my circumstances and she has shown great care with my file from the start.
Only in Calgary
A few reasons we love this city
20°C+
A winter chinook can warm the city by more than 20 degrees in a matter of hours.
1912
The year of the first Calgary Stampede, now known as "The Greatest Outdoor Show on Earth".
+15
Downtown's +15 skywalk network is one of the most extensive of its kind in the world.
1988
Calgary hosted the Winter Olympics, the first Winter Games held in Canada.
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Ceremony held to commemorate naming of bridge over Bow River after Cpl. Nathan Hornburg
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Calgary K-Pop fans jam WinSport to see P1Harmony headline Jammy Con
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Annual Field of Crosses ceremony highlights Wainwright tragedy, importance of remembrance
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2 dead, 1 critically injured in Rocky View County vehicle rollover
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Calgary pubs hosting watch parties for Cavalry FC playoff opener Sunday
Questions
Good to know before you apply
Can't find your answer? Call us at 403-278-6200 and talk to a real person in Calgary.
How much can I borrow against my Calgary home?
It depends on your home's current value, what you still owe on your mortgage, and how much you need. One of our mortgage professionals will walk through the numbers with you during a free consultation.
Do I need good credit?
Not necessarily. We base approvals primarily on the equity in your home rather than your credit score, which is why we can often help people the banks have turned away.
I'm self-employed. Can you still help?
Yes. Many of our Calgary clients are business owners, contractors and tradespeople. Because we lend our own funds based on equity, we have more flexibility than a traditional bank.
Do I have to break my current mortgage?
Often you don't. A home equity loan can sit behind your existing mortgage, so you keep your current rate and avoid a prepayment penalty.
What fees should I expect?
Typical costs include legal fees and an appraisal. Your Capital Direct mortgage professional will outline every cost before you commit. See financing rate examples.
Can you help me buy a home too?
Yes. Our mortgage brokers work with Canada's leading lenders to find purchase mortgages that fit your situation. Apply for a mortgage.
Calgary homeowner tip
Replacing a hail-damaged roof? Think impact-resistant.
Calgary sits in one of Canada's most hail-prone regions. If your roof is due for replacement, impact-resistant shingles cost more up front but can hold up better in summer storms. Ask your insurer whether they offer a discount for them, and factor that into your renovation budget.
Visit or call
Talk to our Calgary team
403-278-6200Outside Calgary: 1-800-959-9290
- Suite 775, 11012 Macleod Trail S.E.
Calgary, AB T2J 6A5
Get directions - Monday to Friday, 8:30 am to 5:00 pm
- [email protected]
