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Lorem ipsum dolor sit amet consectetur adipisicing elit. Natus incidunt quod tenetur? Pariatur asperiores provident quaerat ipsa cupiditate odio! Qui, assumenda facilis. Laborum quas repellat iure ipsa velit, consequuntur totam quisquam non! Eius soluta iste, recusandae neque repellendus architecto harum rem minima officia asperiores similique explicabo suscipit odio sed quo amet velit numquam blanditiis voluptates corrupti aliquid repellat, autem quaerat consectetur! Deleniti velit maiores quae ad, labore suscipit! Saepe, voluptatum eius inventore illum molestiae autem sapiente porro voluptatem sed ad ex facilis consequatur hic ab quos doloribus eligendi officiis aliquam labore commodi velit ratione. Dolores inventore facilis, laboriosam commodi doloremque rerum, et accusantium beatae aspernatur enim perferendis eligendi quidem ipsam repudiandae, quaerat consequuntur nihil facere. Repudiandae nostrum totam, assumenda, praesentium quibusdam iure porro et rerum suscipit impedit error minima deleniti doloremque autem nobis illum saepe ab dolores neque? Aperiam, dolor possimus. Placeat quis amet nesciunt aspernatur eligendi eius, cum culpa laborum. Facilis ab est nobis voluptatibus libero doloribus quas atque ex accusamus modi consectetur dolore esse porro temporibus molestias laudantium incidunt, quam quidem? Inventore cumque fuga quod praesentium, libero, quam maiores dignissimos ratione labore voluptas nesciunt quibusdam vel optio. Magnam suscipit, a aliquam minus, error autem sunt inventore magni et esse dolor eum illum ratione eos eligendi est aut praesentium porro minima cumque iste quod! Quod velit quidem tempore, aspernatur nisi neque pariatur iusto, repudiandae adipisci corporis nesciunt minus quia eos in dolor? Similique reiciendis porro enim laborum obcaecati. Culpa voluptatum cumque, accusamus nesciunt accusantium et assumenda. Amet facilis accusantium nobis obcaecati quis animi, laudantium suscipit recusandae atque est ex provident aut sit culpa rem tempore aspernatur molestiae delectus minus iste expedita, quam odio! Accusantium rem doloremque sed exercitationem, sequi sint, obcaecati in distinctio impedit tempore vel, non illo numquam harum perferendis fuga voluptas rerum nam voluptate cupiditate officiis laboriosam doloribus cum recusandae! Fugiat provident exercitationem iure quod cum? Alias in accusamus suscipit consequuntur molestias? Repudiandae, vitae alias dolores illum repellendus, odit quidem, debitis similique deserunt a natus totam quia fugiat sit iusto earum? Deserunt, nam? Explicabo voluptatibus facilis ipsa ut distinctio a eos tempore accusamus deserunt mollitia debitis veniam ducimus fugiat, veritatis deleniti dolorum perferendis incidunt? Delectus nesciunt, quasi laboriosam dignissimos reprehenderit iure officia necessitatibus. Aut aliquam possimus est praesentium aliquid maiores voluptate iusto sapiente laboriosam! Maiores provident distinctio illo repellat esse molestiae harum voluptatibus, veniam saepe minus facere doloribus nisi labore? Quae aliquam, tempore rerum incidunt vero dolor facere perspiciatis ipsa. Nam facilis excepturi asperiores, iusto fuga atque commodi fugit beatae cum natus illum illo consequuntur dolorem expedita magni omnis quis ullam sint! Itaque neque ratione labore nesciunt praesentium, cumque esse, rerum quos non libero quisquam sapiente nisi iure maiores ipsa consequatur excepturi. Cum earum nemo dolorem rerum vel numquam enim dolore placeat eum sunt repudiandae, eius praesentium in nostrum sit, quos itaque laudantium illo aliquid voluptate pariatur est nesciunt laboriosam. Quis, consectetur facilis. Et debitis ab esse recusandae voluptatum earum minus labore enim expedita veniam quidem qui beatae, quod maxime odio quae commodi itaque, vitae incidunt tempore.

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What is Home Equity?

Home equity is the value of your home less the amount you owe on your mortgage. Your power to raise money is based in part on the assets you currently own. If you are like most Canadians, your largest asset is your home.

Home equity represents the money that you have invested in your home, and consequently, the portion of your home that is yours - free and clear.

Suppose you own a home that is valued at $250,000. If you owe $100,000 on your mortgage, your equity can be calculated as:

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Home
Equity Loan

What is Home Equity?

Home equity is the value of your home less the amount you owe on your mortgage. Your power to raise money is based in part on the assets you currently own. If you are like most Canadians, your largest asset is your home.

Home equity represents the money that you have invested in your home, and consequently, the portion of your home that is yours - free and clear.

Suppose you own a home that is valued at $250,000. If you owe $100,000 on your mortgage, your equity can be calculated as:

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Home
Equity Loan

Whether you're purchasing an investment property, starting a business or consolidating debt, financial success is all about making the right moves at the right time.

How does a home equity loan work? Like many Canadians, your home may be your most powerful financial asset. Using a home equity loan as a financial solution is a key financial stepping-stone.

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What is Home Equity Financing?
If you'd like to learn more about what home equity financing let's start with the basics.
Learn More
What is Home Equity Financing?
If you'd like to learn more about what home equity financing let's start with the basics.
Learn More
What is Home Equity Financing?
If you'd like to learn more about what home equity financing let's start with the basics.
Learn More Learn More
Our mortgage planners have a deep understanding of using home equity to accomplish your goals. We help you determine the equity value in your home, and guide you through each step of the process.
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Your home equity is the key to your approval. We don't rely exclusively on credit history or income when designing a lending solution to fit your life.
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We offer 5 - 40 yr amortization with 1 - 3 year terms to provide the flexibility you need to complete your home improvement project.
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Fill Out Our 4-Minute Equity Loan Application

Your goals are closer than they appear, and a home equity loan can get you to the finish line. Click here and use the equity in your home.

Were putting our money where our mouth is. Get the lowest rate on your home equity loan from Capital Direct, or we’ll give you $500

Apply Now Contact Us

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<include src="section-equity-loan-app.html"></include>

Fill Out Our 4-Minute Equity Loan Application

Your goals are closer than they appear, and a home equity loan can get you to the finish line. Click here and use the equity in your home.

Were putting our money where our mouth is. Get the lowest rate on your home equity loan from Capital Direct, or we’ll give you $500

Apply Now Contact Us

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Here's how that works. Let's say you are in a 40% tax bracket meaning that for every dollar you earn, you pay 40% in income taxes. Let's say you are paying off a loan at $1000 per month. In the first year you would pay $3942.99 in interest. Because the loan is a business expense, you receive 40% of that amount or a $1577.20 tax return. This is equivalent to a significantly lower interest rate.

This tax advantage could apply to:
  • A business that you started or bought into.
  • Renovating your house to create a rental apartment.
  • Buying a rental property.
  • An equity investment in a Canadian company.

When considering the tax implications of an investment, you should always consult a certified accountant or your financial advisor.

Lorem ipsum dolor, sit amet consectetur adipisicing elit. Distinctio minus natus enim alias officia, laborum reiciendis ullam? Ab dolor illum, aperiam sequi obcaecati saepe non delectus provident sit odit quo.

Lorem ipsum dolor, sit amet consectetur adipisicing elit. Distinctio minus natus enim alias officia, laborum reiciendis ullam? Ab dolor illum, aperiam sequi obcaecati saepe non delectus provident sit odit quo.

Lorem ipsum dolor, sit amet consectetur adipisicing elit. Distinctio minus natus enim alias officia, laborum reiciendis ullam? Ab dolor illum, aperiam sequi obcaecati saepe non delectus provident sit odit quo.

Lorem ipsum dolor, sit amet consectetur adipisicing elit. Distinctio minus natus enim alias officia, laborum reiciendis ullam? Ab dolor illum, aperiam sequi obcaecati saepe non delectus provident sit odit quo.

Accordion (multiple)

Here's how that works. Let's say you are in a 40% tax bracket meaning that for every dollar you earn, you pay 40% in income taxes. Let's say you are paying off a loan at $1000 per month. In the first year you would pay $3942.99 in interest. Because the loan is a business expense, you receive 40% of that amount or a $1577.20 tax return. This is equivalent to a significantly lower interest rate.

This tax advantage could apply to:
  • A business that you started or bought into.
  • Renovating your house to create a rental apartment.
  • Buying a rental property.
  • An equity investment in a Canadian company.

When considering the tax implications of an investment, you should always consult a certified accountant or your financial advisor.

Lorem ipsum dolor, sit amet consectetur adipisicing elit. Distinctio minus natus enim alias officia, laborum reiciendis ullam? Ab dolor illum, aperiam sequi obcaecati saepe non delectus provident sit odit quo.

Lorem ipsum dolor, sit amet consectetur adipisicing elit. Distinctio minus natus enim alias officia, laborum reiciendis ullam? Ab dolor illum, aperiam sequi obcaecati saepe non delectus provident sit odit quo.

Lorem ipsum dolor, sit amet consectetur adipisicing elit. Distinctio minus natus enim alias officia, laborum reiciendis ullam? Ab dolor illum, aperiam sequi obcaecati saepe non delectus provident sit odit quo.

Lorem ipsum dolor, sit amet consectetur adipisicing elit. Distinctio minus natus enim alias officia, laborum reiciendis ullam? Ab dolor illum, aperiam sequi obcaecati saepe non delectus provident sit odit quo.

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Global Padding

Box with `px-16` class (16px horizontal padding).

Responsive Padding

Box with `px-16` for small screens and `px-30-md` for medium screens.
The entire list of padding values is stored in the variable: $padding-values: (0, 9, 16, 20, 30, 77, 133, 155);

Class Reference

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  • .pl-{value}: Padding on the left.
  • .pr-{value}: Padding on the right.
  • .px-{value}-{breakpoint}: Responsive horizontal padding.
  • .pl-{value}-{breakpoint}: Responsive left padding.
  • .pr-{value}-{breakpoint}: Responsive right padding.
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