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Take advantage of today’s higher rates with

Mortgage Investing

We open the door for everyday people to invest directly in mortgages. Collect monthly high-yield returns as passive income while we do the behind-the-mortgage work.

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6.99%

Rates Up To*

$140M

Funded Mortgages

0

Losses to Date

Earn attractive rates across multiple borrowers and properties.

Select from funded, curated mortgages, spreading out your investment for reduced risk* and balanced returns. Then, sit back while the money comes in.

Current Mortgage Inventory

Grade
Rate
Available
Term Left
Location
Property Use
A
Location
Oakville , Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
26.01%
Credit Score
806
Morcado ID
X979-98HF-9KEK
Rate
5.99%
Property Type
Detached
Renewal Date
September 23, 2026
Amount Available
$345,390.80 of $382,059.38
Owner Profile
Term: 12 months | Payments: Held back | Position: 1st | Exit: Sale of Property The borrower is retired and maintains strong credit with additional savings and investments. The property has been owned for over 12 years. Financing was arranged to facilitate the purchase of a new residence. The property is located in Oakville, Ontario, a sought-after community that provides access to schools, parks, retail amenities, and major transportation routes.
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A
Location
Rocky View County, Alberta
Security
first
Property Use
rental
Weighted LTV
47.27%
Credit Score
741
Morcado ID
4F2E-UQW7-QQVP
Rate
5.99%
Property Type
Detached
Renewal Date
April 9, 2026
Amount Available
$466,678.51 of $520,000.00
Owner Profile
Term: 6 months | Payments: Made | Position: 1st | Exit: Sale The borrower is employed in a professional field and maintains excellent credit. Financing was arranged to facilitate the refinance of a property in Rocky View County, near Calgary, Alberta, with repayment expected through the sale of another property currently listed. The area is known for its high-end residential communities, scenic surroundings, and convenient access to major highways, retail amenities, and downtown Calgary.
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A
Location
Toronto, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
40.00%
Credit Score
832
Morcado ID
JGJD-NZ4G-DU8M
Rate
5.99%
Property Type
Apartment
Renewal Date
August 12, 2026
Amount Available
$250,998.70 of $310,000.00
Owner Profile
Term- 12 month -Payments- Payments made - Position - First position - Exit -To sell Notes : The client is in the process of relocating, and therefore is unemployed however was previously in the accounting industry. The purpose of the refinance was for an equity take out to buy the future property outright. This subject property is a 931 sq ft condo in a desirable Toronto neighborhood and is well maintained. The client has significant assets, an excellent credit history, and the loan-to-value ratio is very low, providing acceptable repayment assurance despite the temporary employment gap.
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A
Location
Calgary , Alberta
Security
first
Property Use
rental
Weighted LTV
79.35%
Credit Score
818
Morcado ID
QYHR-3QDR-XLM6
Rate
6.49%
Property Type
Row
Renewal Date
October 28, 2026
Amount Available
$53,124.52 of $365,000.00
Owner Profile
Term: 1 Year | Payments: Made | Position: 1st | Exit: Refinance | Total Mortgage : $365,000.00 Borrower is purchasing a rental property in southeast Calgary, Alberta, located in a well-established residential area with convenient access to schools, parks, retail amenities, and major transportation routes. This loan is blanketed over two Calgary Single Family Dwelling properties. The loan is registered on title in first position on the subject property, and in 2nd position on the clients owner occupied home for additional security. Borrower is employed in the health care industry in Calgary. The client is utilizing the term to strengthen income stability for qualification with traditional lenders and plans to refinance the loan upon term expiry.
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A
Location
Canmore, Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
27.69%
Credit Score
866
Morcado ID
XF64-FHEE-CEYR
Rate
5.99%
Property Type
Detached
Renewal Date
May 1, 2026
Amount Available
$530,000.00 of $540,000.00
Owner Profile
Term: 6 Months | Payments: Made | Position: 1st | Exit: Sell Clients are refinancing to remove a co-borrower from title. Loan will pay out an existing mortgage on a property in Canmore, AB, located approximately 100 km west of Calgary, within the Calgary Metropolitan Region. The area offers access to local amenities, parks, and outdoor recreational opportunities. Borrowers have stable income and strong credit. Exit strategy is to sell the property at the end of the term.
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A
Location
Calgary, Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
57.52%
Credit Score
653
Morcado ID
Z8D4-7QW9-Z8P8
Rate
5.99%
Property Type
Detached
Renewal Date
August 12, 2026
Amount Available
$344,013.65 of $396,900.00
Owner Profile
Term – 12 months – Payments – To be made – Position – 1st Position – Exit – Refinance to prime lender Notes: Recently settled in Alberta, the clients have a combination of ongoing remote employment income in a professional role and skilled trades expertise, supported by healthy savings during this transition period. Their plan is to refinance with a prime lender once B2 secures local employment in Calgary, strengthening their long-term financial position. The property is located in a sought-after Calgary community, combining lifestyle appeal with strong real estate fundamentals—making this a compelling and well-supported mortgage investment opportunity.
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A
Location
Kelowna , British Columbia
Security
first
Property Use
rental
Weighted LTV
49.07%
Credit Score
667
Morcado ID
9UQ2-JYXY-5VXM
Rate
5.99%
Property Type
Apartment
Renewal Date
May 1, 2026
Amount Available
$275,000.00 of $275,000.00
Owner Profile
Term: 6 Months | Payments: Made | Position: 1st | Exit: Sale of Property Client is refinancing a rental property for debt consolidation and to pay down other existing mortgages. The property is located in Kelowna, BC, a well-developed urban area in the Okanagan Valley with access to major amenities, retail, and transportation. Client has stable employment in the financial sector and maintains a strong overall profile. Exit strategy is the sale of another property at the end of the term.
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A
Location
Concord, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
70.00%
Credit Score
875
Morcado ID
DZKT-TLFA-FQ96
Rate
6.99%
Property Type
Apartment
Renewal Date
March 25, 2026
Amount Available
Sold Out
Owner Profile
Term: 6 months | Payments: Held back | Position: 1st | Exit: Refinance The borrowers are employed in professional fields and maintain strong credit. Financing was arranged to facilitate the purchase of a brand-new property in Concord, Ontario, with repayment expected through refinancing at the end of the term. The property is located in a desirable community with convenient access to schools, parks, retail amenities, and major transportation routes.
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B
Location
Nanaimo, British Columbia
Security
first
Property Use
Owner occupied
Weighted LTV
70.07%
Credit Score
833
Morcado ID
8FSS-YEU6-BEQL
Rate
6.99%
Property Type
Apartment
Renewal Date
May 1, 2026
Amount Available
$323,276.42 of $340,830.00
Owner Profile
Term: 6 Months | Payments: Prepaid | Position: 1st | Exit: Refinance Client is purchasing a property in Nanaimo, BC, a growing coastal city on Vancouver Island known for its access to amenities, schools, and transportation. Client has long-term stable employment in the transportation industry. Exit strategy is to refinance with a traditional lender at the end of the term.
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B
Location
Caesarea, Ontario
Security
first
Property Use
Second Home
Weighted LTV
50.00%
Credit Score
679
Morcado ID
SHA8-APDT-M846
Rate
7.74%
Property Type
Detached
Renewal Date
February 8, 2026
Amount Available
Sold Out
Owner Profile
Term – 6 months - Payments – To be made for the term - Position – 1st Position - Exit – Borrower will cash out investments to repay the loan before the renewal date Notes: The borrower, who intends to make this home their full-time residence following the sale of their Toronto property, recently purchased a second home in the up-and-coming lakeside community of Caesarea, Ontario—a rapidly growing area known for its natural beauty and welcoming environment. Located just about 60 minutes northeast of Toronto, this peaceful retreat offers convenient access to nearby towns like Port Perry and Uxbridge, known for their vibrant local shops, dining, and recreational amenities. With easy access to Highway 407, commuting to the Greater Toronto Area is straightforward, making this an attractive location for both lifestyle and long-term value.
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B
Location
Medicine Hat , Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
67.80%
Credit Score
736
Morcado ID
QNT7-9M7B-449Q
Rate
7.99%
Property Type
Detached
Renewal Date
March 1, 2026
Amount Available
Sold Out
Owner Profile
Term- 6 months | Payments - Made | Position - First | Exit - Extended renewal to allow additional time to sell property Note- The total loan amount is $400,000.00, of which this represents a portion available for purchase.
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B
Location
Calgary, Alberta
Security
first
Property Use
Other
Weighted LTV
64.57%
Credit Score
546
Morcado ID
2UBC-SVZJ-RQRQ
Rate
6.99%
Property Type
Detached
Renewal Date
September 1, 2026
Amount Available
$32,156.92 of $262,672.93
Owner Profile
Term: 6 months| Payments: Made| Position: 1st Position| Exit: Refinance| Total Mortgage: $565,000.00 This refinance was structured as a short-term solution following a temporary credit impact related to co-signing for a family member, which has since been resolved. The borrowers bring stable household income through permanent employment. The property is located in Calgary, AB, within the Panorama Hills community, a well-established area known for its family-friendly environment, schools, parks, and convenient access to shopping, transit, and major roadways.
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Brought to you by Morcado Trust and backed by the expert team behind True North Mortgage, we bring years of mortgage brokering, lending, and underwriting experience to the Morcado platform  — with a commitment to stringent compliance and exceptional client-first service.

Easy to invest. Use cash — or your RRSP, TSFA, or LIRA accounts.

You have options. Provide cash or transfer funds to a registered savings account with Morcado and start investing. You can decide where your monthly returns are deposited.

Get started with $7,000.

The sooner you start, the sooner you can access high-yield rates and monthly returns — becoming the lender to 'make bank' while we take care of the details.

Wallet

Absolutely no trading fees.

You read that right. Unlimited, commission-free mortgage purchases, inside your registered investment account or out. Low annual fees — with no surprises.

Zero trading fees image

Qualified Syndicated Mortgages (aka, the good stuff).

We know it’s a mouthful, but Morcado is the first investment platform in Canada to offer QSMs to the masses. 

'Qualified' is defined as existing, standard residential, non-commercial properties — no pre-construction or large condo complex loans. 'Syndicated' means several investors (lenders) participating in a mortgage that is secured by real estate.

For a limited time, we are waiving account setup fees. And all annual fees with a minimum $100,000 invested.
See fee schedule
Purple Sash - 0 Setup Fees
Start earning passive income today.

Book a time that works for you. A Mortgage Investment Advisor will help you set up your account.
Book a call
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Catch the latest on product tweaks and news — and investment trends.
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*Disclaimers and Disclosures

As with any investment, we recommend seeking professional financial advice that applies to your unique situation. Please contact a licensed Mortgage Investment Advisor or licensed Mortgage Broker for more details about investing with Morcado. 

 

Investing in qualified syndicated mortgages through Morcado involves risks, which, depending on the product offered, can include potential loss of principal, market volatility, and non-guaranteed returns. 

 

Past performance does not guarantee future results. Any reference to projected returns is considered an estimate, not guaranteed results.

 

Promoted return rates are subject to change as mortgages can sell out quickly.

 

High-yield mortgages offered on the Morcado investment platform are secured by residential Canadian real estate. Investments in mortgages through Morcado are not insured by the Canada Deposit Insurance Corporation (CDIC). Any uninvested amounts parked with Morcado Trust are held within a large Canadian bank.

 

Morcado Trust is registered and regulated in Alberta as a Trust Company according to the Loans and Trust Corporations Act (LTCA).

 

FSRA Mortgage Administrator License #13777