(Canada) How likely/unlikely is it to get accepted to a direct entry PhD program? I am now torn apart between leaving Canada to do a masters program in a foreign country, which will put a huge financial burden on me, I don't even know if I can afford it, and I would also become isolated from my family and would likely have to break up with my GF.

I also could spend the next year doing research with a professor at a local university while also working, but I am sick of working, all I want is to do research, all I want is to learn math. 

If I can get accepted into a direct entry PhD program, delaying entrance is worth it, because I can start the program a year earlier. But if it's very unlikely, then I would have ruined my chance to get back on track into the only thing that really matters to me for trying to optimize for some less important (but still valuable) variables.

So in short, is it likely to get accepted into a direct entry PhD? I understand each institution, program and professor is different, and that it depends on the candidate, I just want a general idea.

Edit: 
I am considering it, but if I am going to do a masters anyway, from a purely academic perspective, there would be no reason to delay my studies and simply go to the foreign university. It would be much easier to justify and additional "GAP year" as a way to invest my time into improving my profile to be accepted into a PhD program directly and skip the masters alltogether, mostly because I know for a fact I want a PhD, I know for a fact I want to do research.

Direct entry simply means bachelors to PhD, i.e skipping the masters, currently the plan is next September (2020 not 2019).

I had a 3.67 GPA, however if we take away 4 japanese courses (that I tok out of interest) it's 3.72, 3.8 in CS courses, 3.98 in math courses (I have a pure math minor).

I did honours but did not publish the research (some non negligible additional work was needed to get it published and I graduated right then, then moved to a different city).

I am in a rush to start because that's all I wanted to do for the longest time, I let my family convince me to work for a while to see what the "real world is like", and after working and doing undergrad research, I understand with full clarity that I'd rather do research for 20k a year than work for 100k a year. I want to learn more math.
Is there any reason you're not considering a Canadian Master's program? They're usually funded, and doing a Master's is pretty standard before doing a PhD in Canada.
What do you mean by "direct entry"? If you mean starting this September, then your odds are quite low. If you mean "straight from Bachelor's to PhD" then that's a different story.
What are your grades like? Do you have any undergraduate research experience? Skipping the Master's is generally reserved for "exceptional students" in Canada, so your odds depend on how your Bachelor's went.


I know some schools have a "PhD Track Master's" where you start in a Master's and transfer to PhD after a year. Maybe that's for you?

Graduate studies is a long haul. Don't be in a rush to start it if it doesn't work for your life.