Capital Direct
Vancouver-based private lender focused on home equity loans and a revolving equity line, available directly to consumers and through brokers. Approvals rest mainly on home equity rather than credit score or income documents. It lends British Columbia, Alberta, Ontario, Nova Scotia, New Brunswick, Prince Edward Island.
Prepayment-penalty method
Standard penalty (about three months' interest)
Breaking early is penalized at roughly three months' interest, an open-style penalty that is generally on the lower, more predictable end.
See what breaking a mortgage early could costWho it tends to fit
- Self-employed and business-owner borrowers
- Refinances and equity take-outs
General signals only. Approval depends on the full application; a lender that fits on paper still has to say yes.
What you can do with it
- Refinancing
Features
- Home equity line of credit (HELOC)
Rate types
- Fixed rates
Where it lends
British Columbia, Alberta, Ontario, Nova Scotia, New Brunswick, Prince Edward Island
Good to know
- Equity-based lender; rates are higher than bank mortgages
- Lender fees apply; confirm total cost before committing
- Home equity loans and lines, not prime first mortgages
- Maximum loan to value not published; approvals depend on equity
How to reach Capital Direct
Available both directly and through a mortgage broker. This is educational information, not a rate quote; confirm current rates and terms directly.
Visit Capital DirectEducational summary; rates, terms, and approval are set by the lender.
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Other mic & private lenders
Educational information about Canadian mortgages, not financial or mortgage advice. This tool is offered by Jordan Avery, Mortgage Agent (Level 2), Licence M23999999 · Maple Key Mortgages Inc., FSRA Brokerage Licence 13999 and operated by LenderSearch; figures are estimates. Confirm all rates, terms, and eligibility directly with the lender before acting.