Build wealth with our award-winning stable income strategy

As Canadian investors we invest in homeowners. Since 2006, Canadian investors have earned consistent, reliable income through our professionally managed portfolio of secured residential mortgages.

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Q2 2026 Returns⁽¹⁾

7.54%

Class A, C

8.54%

Class F⁽²⁾

Fund Fact Sheets

Capital Direct I Income Trust — 1st Place Best 10 Year Return, Canadian Hedge Fund Awards 2025

Our Awards

(1) Annualized return is based on Q2 2026 net income produced by that class of units of the Trust after any discretionary reduction by Management in Income Participation.

(2) Class F Units must be purchased through a third-party dealer and are intended for fee-based accounts.

Key reading for our investors

Fund Fact Sheet FRC Analyst Report Offering Memorandum View more Investor Resources

Our approach

Capital Direct I Income Trust is a diversified portfolio of predominantly residential mortgages, carefully selected across key markets in BC, Alberta, Ontario and Atlantic Canada.

Our presence in major city centres across these provinces allows our team to apply a disciplined set of lending criteria to every mortgage we consider, prioritizing quality over quantity at every step.

The result is a portfolio built for stable growth, delivering consistent, reliable returns to our investors through varying market conditions.

Our Approach

A mortgage investment built for your goals

Whether you're looking to generate income or grow your investment over time, Capital Direct I Income Trust offers flexible options designed around your financial goals.

Quarterly distributions

Monthly liquidity

RRSP, TFSA, RRIF, RESP & FHSA eligible

DRIP option avaliable

Expore Investor Benefits

Trusted by Canadian investors since 2006

For more than 20 years, Capital Direct I Income Trust has steadily grown its portfolio and has passed on the returns to Canadian Investors across the country.

Fund Fact Sheets

How does Capital Direct I Income Trust work for your portfolio?

What investors say about Capital Direct

Stable track records with attractive interest rates

Stable track records with attractive interest rates. Professional service. This is a great asset to my portfolio.

Laura A. Toronto, ON - July 13, 2026

Decent income at a good percentage of return

Decent income at a good percentage of return. It all around has been a very good experience and your staff...

Jay S. Prince George, BC - May 11, 2026

Capital Direct I Income Trust has earned my trust over the last few years

Capital Direct I Income Trust has earned my trust over the last few years. As a conservative investor, I...

Rose F. Richmond Hill, ON - April 21, 2026

Capital Direct was very helpful

I like size of the fund which to me is super important given there are so many players in the...

Ian H. Hamilton, ON - April 20, 2026

Long track record of distributions

Long track record of distributions, never missing one. Doesn't have the long-term commitment i.e. money locked in for five years....

Pat M. Victoria, BC - February 14, 2026

I had several positive reports from people who've invested with Capital Direct

I had several positive reports from people who've invested with Capital Direct. I believe both the returns and security are...

Lorna S Vancouver, BC - December 10, 2025

Capital Direct was very helpful

I have family members who have Invested with Capital Direct and they have had a very positive experience. I trust...

Amber R. Delta, BC - December 1, 2025

I saw your advertisement on TV and liked what I saw

I saw your advertisement on TV and liked what I saw. I have received decent returns over the years. I...

Don B Montrose, BC - July 1, 2025

Low LTV weighted average

Low LTV weighted average, very good analyst rating, timely redemption opportunities. I have felt positive and pleased with performance since...

Eva C. Duncan, BC - June 2, 2025

After some checking

After some checking, I decided to invest some money to get a good return, and I received a good return...

Jake J. North York, ON - May 22, 2025

Capital Direct was recommended to us by our financial advisor and insurance rep

Capital Direct was recommended to us by our financial advisor and insurance rep. We studied the information about Capital Direct...

Heather N Calgary, AB - May 5, 2025

A good friend referred Capital Direct

A good friend referred Capital Direct. I checked out your company, it had a good investment record and a flexible...

George Y. Vancouver, BC - April 30, 2025

Steady income

Steady income, we feel like the company tries hard to help us out.

David W. Garden Bay, BC - March 10, 2025

I have nothing negative to say

I have nothing negative to say, the returns are good.

Christine S. Victoria, BC - February 24, 2025

Capital Direct was very helpful

I chose to invest in Capital Direct I Income Trust as it seemed like a solid investment with a solid...

Doug L. Vernon, BC - February 3, 2025

Reasonable return on a quarterly basis

Reasonable return on a quarterly basis, happy with Capital Direct, you people do a good job.

Garry W. Chilliwack, BC - January 8, 2025

I am impressed by the high returns that I am getting

I am impressed by the high returns that I am getting!! I am very happy investing with you and can’t...

Caroline P. Langley BC - November 28, 2024

After six years my return every year has been as first predicted

After six years my return every year has been as first predicted. I love that the investment requires minimal input...

Douglas P. Nanaimo, BC - August 8, 2024

Decent returns

Decent returns, I have suggested that friends look at Capital Direct I Income Trust. I chose to invest because of...

Gregory W. North Vancouver, BC - July 26, 2024

Capital Direct was very helpful

I was impressed with the long successful history of the Trust along with the quarterly data that you provide to...

Gary J. Vancouver, BC - July 24, 2024

Positive return on investment and good growth rate

Positive return on investment and good growth rate. Where can you get more than 7% return without hidden fees and...

Mathew N. Vancouver, BC - December 8, 2023

It is a positive return

It is a positive return. My original investment is still intact, no principal lost.

Richard R. Port Coquitlam, BC - November 28, 2023

Capital Direct has met my investing plans to a T

Capital Direct has met my investing plans to a T. I liked the website and when I phoned to inquire...

Fred H. Burnaby, BC - November 10, 2023

I was getting positive returns during bear markets

I was getting positive returns during bear markets. Good returns around 7% while interest rates were low.

Norman S. Coquitlam, BC - October 23, 2023

Very satisfied

Very satisfied! I get a money deposit from Capital Direct each quarter that helps to pay bills.

Helen P. Vancouver, BC - October 18, 2023

We trust the stability and the record of the income trust

We trust the stability and the record of the income trust. Annual high return has allowed us to withdraw funds...

David G. North Vancouver, BC - October 2, 2023

Consistent payouts with good explanation

Consistent payouts with good explanation. I have recommended many clients to Capital Direct based on my investment knowledge and experience....

Joe T. Surrey, BC - September 20, 2023

I'm an accountant and always liked the consistent increase in values

I'm an accountant and always liked the consistent increase in values, every year. It's a good/great product that works with...

Gord W. North Vancouver, BC - September 15, 2023

Our family dealt with Capital Direct for years

Our family dealt with Capital Direct for years. My retirement savings have grown way more than expected. Your support staff...

Lesley S. Pitt Meadows, BC - September 10, 2023

Capital Direct was very helpful

After seeing various Capital Direct Income Trust advertisements I researched them and found that was a trusted company. I am...

Dave D. Delta, BC - August 30, 2023

Capital Direct was very helpful

We are conservative investors and feel Capital Direct Income Trust gives a fair return on our investment. The trust has...

Cec H. Grand Forks, BC - January 26, 2023

Stress

Stress-free interactions with 'real' people. Up-to-date reports on investments and changes to policies on a regular basis and of course...

Camilla H. North Vancouver, BC - December 8, 2022

Capital Direct was very helpful

We have had a good experience so far and have made more with investment than with our bank accounts or...

Kathleen M. Vancouver, BC - December 6, 2022

Peace of mind

Peace of mind, unlike the stock market. It's a safe investment during these turbulent times. The staff are wonderful to...

Wesley K. Vancouver, BC - December 5, 2022

It's a worthy trust company with very good quarterly income

It's a worthy trust company with very good quarterly income.

Candy Y. Vancouver, BC - November 17, 2022

Sounded like a good investment with good returns and constant growth

Sounded like a good investment with good returns and constant growth. The company is managed well and my investment is...

Giovanni P. Burnaby, BC - September 26, 2022

Capital Direct was very helpful

After attending your offices and learning about the investment it was an easy decision to invest. Positive investments, good rate...

Anna P. Burnaby, BC - September 23, 2022

My investment is well and positive

My investment is well and positive. Quarterly return is on time in the bank for me. Steady rate.

Harry R. Surrey, BC - September 14, 2022

Proven to be a solid investment

Proven to be a solid investment. Two best things - capital preservation and growth!

Bill W. Maple Ridge, BC - February 8, 2022

I was looking for non

I was looking for non-correlated investment to complement equity investments. I get steady income stream, no market gyrations. Very well...

Peter H. Vancouver, BC - February 3, 2022

I chose it as per consistent returns and diversification from equities

I chose it as per consistent returns and diversification from equities. I am confident that it is a good investment...

Darcy B. Kelowna, BC - February 2, 2022

Stable and good returns on investment

Stable and good returns on investment. I would suggest it to others because of integrity of professional conduct of the...

Anonymous Vancouver, BC - January 14, 2022

Capital Direct I Income Trust fund is a reliable product with good returns

Capital Direct I Income Trust fund is a reliable product with good returns. It is not too risky and can...

Jackie L. Richmond, BC - November 22, 2021

The Capital Direct Income Trust was

The Capital Direct Income Trust was, and continues to be, the perfect vehicle to diversify my investments. I like transparency...

Darren T. Saskatoon, SK - November 12, 2021

Good long term investment

Good long term investment. Great reporting - feeling of confidence. The fund worked out well for me. I recommend highly!

Roy P. Delta, BC - November 11, 2021

Much easier than personally managing individual mortgages

Much easier than personally managing individual mortgages. Regular income is very stable. More time to enjoy our retirement. Since we...

Christine A. West Vancouver, BC - November 10, 2021

I had been referred by a friend who had invested with Capital Direct

I had been referred by a friend who had invested with Capital Direct. I don't have to worry and watch...

Peter G. Vancouver, BC - November 8, 2021

Capital Direct was very helpful

Having worked for Capital Direct for 14 years I was the first person to invest in the income trust. I...

Carol K. Maple Ridge, BC - November 4, 2021

My father recommended CDIT as a great investment holding

My father recommended CDIT as a great investment holding. CDIT gave him a steady rate of return while letting him...

Frank H. Merritt, BC - November 3, 2021

Consistent rate of return

Consistent rate of return, ease of investment, good customer service.

Linda W. North Vancouver, BC - November 1, 2021

Share in the success we’ve built since 2006

Speak to our Investment Team to find out if Capital Direct I Income Trust is suitable for your portfolio.

Get Started

Build wealth with our award-winning stable income strategy

Q2 2026 Returns(1)

Key reading for our investors

Our approach

A mortgage investment built for your goals

Trusted by Canadian investors since 2006

How does Capital Direct I Income Trust work for your portfolio?

What investors say about Capital Direct

Stable track records with attractive interest rates

Decent income at a good percentage of return

Capital Direct I Income Trust has earned my trust over the last few years

Capital Direct was very helpful

Long track record of distributions

I had several positive reports from people who've invested with Capital Direct

Capital Direct was very helpful

I saw your advertisement on TV and liked what I saw

Low LTV weighted average

After some checking

Capital Direct was recommended to us by our financial advisor and insurance rep

A good friend referred Capital Direct

Steady income

I have nothing negative to say

Capital Direct was very helpful

Reasonable return on a quarterly basis

I am impressed by the high returns that I am getting

After six years my return every year has been as first predicted

Decent returns

Capital Direct was very helpful

Positive return on investment and good growth rate

It is a positive return

Capital Direct has met my investing plans to a T

I was getting positive returns during bear markets

Very satisfied

We trust the stability and the record of the income trust

Consistent payouts with good explanation

I'm an accountant and always liked the consistent increase in values

Our family dealt with Capital Direct for years

Capital Direct was very helpful

Capital Direct was very helpful

Stress

Capital Direct was very helpful

Peace of mind

It's a worthy trust company with very good quarterly income

Sounded like a good investment with good returns and constant growth

Capital Direct was very helpful

My investment is well and positive

Proven to be a solid investment

I was looking for non

I chose it as per consistent returns and diversification from equities

Stable and good returns on investment

Capital Direct I Income Trust fund is a reliable product with good returns

The Capital Direct Income Trust was

Good long term investment

Much easier than personally managing individual mortgages

I had been referred by a friend who had invested with Capital Direct

Capital Direct was very helpful

My father recommended CDIT as a great investment holding

Consistent rate of return

Share in the success we’ve built since 2006

Q2 2026 Returns⁽¹⁾