Our Approach
The foundation of our award-winning mortgage investment strategy is a disciplined lending philosophy focused on managing growth and supporting reliable returns over time for investors.
Our lending philosophy
Capital Direct I Income Trust’s approach to mortgage investing stems from nearly 30 years of lending and mortgage underwriting experience through Capital Direct.
Through our experience, we have developed a disciplined set of lending criteria focused on careful borrower assessment, conservative loan-to-value ratios and geographic diversification across Canada’s strongest real estate markets.
Since 1997, Capital Direct has helped Canadian homeowners access their home equity to finance what matters most in their lives.
In this time, we have grown and expanded into key markets across BC, Alberta, Ontario, and Atlantic Canada, where we concentrate our operations and expertise.
For our investors, our unique approach was recognized for 1st Place for Best 10 Year Return and 3rd Place for Best 1 Year Return in the Mortgage Fund category at the 2025 Canadian Hedge Fund Awards.
How Capital Direct I Income Trust Works
Our VP Operations, Éire Gorman, explains how our lending philosophy influences the Fund’s performance and returns for investors on BNN.
Consistent, reliable returns
through every market cycle
Capital Direct I Income Trust has delivered consistent, reliable returns to our investors through every market condition.
Class A
8.15%
Historical return since inception 1
Class C
7.43%
Historical return since inception 1
Class F
8.34%
Historical return since inception 1
(1) Historical returns since inception (Class A (2006), Class C (2016), Class F (2014)) as of Q1 2026 of the Units of the Trust.
QUICK LOOK
Capital Direct I Income Trust Annual Rate of Returns 10 Year Performance 2
(2) Compounded annual rate of return is based on net income produced by that class of Units of the Trust as of December 31st of that year, including reinvested dividends and are net of fees and expenses, after any discretionary reduction by Management in Income Participation.
View our Fund Fact Sheet
Review how Class A, C and F units performed last quarter in our Fund Fact Sheet.
Learn moreFund details & performance
Investment options
built for your goals
Quarterly distributions
Monthly liquidity
RRSP, TFSA, RRIF, RESP & FHSA eligible
DRIP option avaliable
Diversified portfolio
of residential mortgages
The trust holds a portfolio of residential mortgage loans in key markets across Canada, primarily within 90km of major urban areas.
Who can invest in
Capital Direct I Income Trust?
Capital Direct I Income Trust units are available in Classes A, C and F and can be purchased in all Provinces and Territories of Canada.
Eligible Investors for each unit class are determined by your financial goals, time horizon and how you want to manage your investment.
Discover which unit class is suitable for your portfolio.
Our trustee: Computershare
Computershare Trust Company of Canada is the Trustee for the Capital Direct I Income Trust
About Our Trustee
Computershare is the largest and only global share registry, managing in excess of 68 million shareholder accounts for over 7,500 corporations in ten countries on five continents, and it provides sophisticated trading technology to financial markets in each major time zone.
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.
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