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CHOOSE FROM FULLY FUNDED, HIGH-YIELD MORTGAGES

Mortgages

Mortgages Available for Investment

Grade
Rate
Term Left
Property Use
Location
Available
A
Location
Calgary, Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
80.00%
Credit Score
866
Morcado ID
JAKU-XXC2-B9WK
Rate
6.99%
Property Type
Detached
Renewal Date
March 2, 2026
Amount Available
$167,793.70 of $1,052,000.00
Owner Profile
Term: 6 months | Payments: Withheld | Position: 1st | Exit: Refinance This short-term mortgage is structured with repayment expected at the end of the term through more traditional, longer term, take out financing. The borrowers bring professional experience in management and extensive experience in renovations. Lake Bonavista is a premier southeast Calgary community centered around two man-made lakes, offering residents exclusive year-round access to swimming, skating, and other recreational activities. With mature tree-lined streets, excellent schools, and nearby shopping, it’s one of the city’s more desirable family neighborhoods.
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A
Location
Calgary, Alberta
Security
second
Property Use
rental
Weighted LTV
75.00%
Credit Score
866
Morcado ID
P85B-GRTE-CSWU
Rate
7.49%
Property Type
Detached
Renewal Date
March 2, 2026
Amount Available
Sold Out
Owner Profile
Term: 6 months | Payments: Withheld | Position: 2nd | Exit: Sale of Property This short-term mortgage is structured with repayment expected at the end of the term through the sale of the property. The borrowers bring professional experience in management and extensive experience in renovations. Located in the McKenzie Lake area of southeast Calgary, this community is well-regarded for its private lake access, recreational amenities, and family-friendly environment. With extensive pathways, parks, nearby schools, and convenient access to shopping and major routes, it remains one of the city’s most desirable lake communities.
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A
Location
Etobicoke, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
54.44%
Credit Score
780
Morcado ID
XJED-J5QX-YBNX
Rate
6.99%
Property Type
Detached
Renewal Date
May 22, 2026
Amount Available
$244,284.64 of $1,350,000.00
Owner Profile
Term - 12 months. Payments - prepaid for the term of the loan. Position - Blanket mortgage, 1st Position on both properties. Exit - Borrower will be selling the existing property to payout the mortgage by the end of the term.
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A
Location
Markham, Ontario
Security
second
Property Use
Owner occupied
Weighted LTV
43.48%
Credit Score
788
Morcado ID
38XV-2VJH-8P88
Rate
7.24%
Property Type
Detached
Renewal Date
March 5, 2026
Amount Available
$73,246.23 of $100,000.00
Owner Profile
Term: 6 months | Payments: Withheld | Position: 2nd | Exit: Sale of Property The borrower is semi-retired and has owned the property for 12 years. The borrower intends to downsize and sell the home prior to maturity. The home shows well and has good market appeal. The property is located in a sought-after area of Markham, Ontario, within a neighborhood that offers access to schools, parks, retail amenities, and major transportation routes.
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A
Location
Winnipeg, Manitoba
Security
first
Property Use
Owner occupied
Weighted LTV
41.28%
Credit Score
866
Morcado ID
TFLF-36D7-DJK7
Rate
5.99%
Property Type
Detached
Renewal Date
March 8, 2026
Amount Available
$200,000.00 of $225,000.00
Owner Profile
Term: 6 months | Payments: Withheld | Position: 1st | Exit: Sale of Property The borrower is retired and has owned the residence for over 25 years. This financing was structured as an equity take-out to assist family members with a down payment. Repayment is expected through the sale of the current property, with plans to downsize into a condominium following the sale. The home is located in the Minnetonka area of Winnipeg, an established neighbourhood with access to schools, parks, retail amenities, and major transportation routes. The borrower maintains an excellent credit history.
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A
Location
Hanmer, Ontario
Security
second
Property Use
Owner occupied
Weighted LTV
54.64%
Credit Score
817
Morcado ID
JEFQ-72U3-6GSQ
Rate
6.99%
Property Type
Detached
Renewal Date
March 9, 2026
Amount Available
$143,835.00 of $145,000.00
Owner Profile
Term: 6 months | Payments: Made | Position: 2nd | Exit: Sale of Property The borrower has over 20 years of professional experience in education and community services. Financing was arranged to support the purchase of a new residence, with repayment anticipated through the sale of the current property, which is scheduled to be listed shortly. The property is located in Hanmer, a community within the Greater Sudbury area, offering access to local schools, parks, retail amenities, and transportation routes.
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A
Location
Morrinville , Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
70.00%
Credit Score
757
Morcado ID
HA95-HWM7-754D
Rate
6.99%
Property Type
Detached
Renewal Date
January 28, 2026
Amount Available
Sold Out
Owner Profile
Term - 9 months. Payments - prepaid for the term of the loan. Position - 1st Position. Exit - Borrower will be looking to refinance out of this loan.
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A
Location
Calgary, Alberta
Security
second
Property Use
Owner occupied
Weighted LTV
29.58%
Credit Score
731
Morcado ID
BEYP-T4G9-R74Z
Rate
7.24%
Property Type
Detached
Renewal Date
January 21, 2026
Amount Available
Sold Out
Owner Profile
Term - 6months. Payments - payments to be made throughout the term of the loan. Position - 2nd Position. Exit - Borrower to refinance by the end of the term
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A
Location
Calgary, Alberta
Security
first
Property Use
rental
Weighted LTV
76.30%
Credit Score
806
Morcado ID
CGGK-249U-PW6S
Rate
7.99%
Property Type
Detached
Renewal Date
March 1, 2026
Amount Available
$36,447.20 of $61,308.47
Owner Profile
Term- 6 months | Position - First | Payments - Made | Exit - Renewed to allow additional time to sell property Note : The total loan amount is $370,046.25, of which this represents a portion available for purchase.
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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
$282,212.05 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
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
$386,913.65 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
Duncan, British Columbia
Security
first
Property Use
Second Home
Weighted LTV
65.00%
Credit Score
809
Morcado ID
RL6Y-F2RG-ZZGW
Rate
6.49%
Property Type
Row
Renewal Date
February 28, 2026
Amount Available
$89,325.00 of $165,750.00
Owner Profile
Term : 6 months, Payments: Made, Position: 1st Position, Exit: Refinance This refinance was structured to provide a short-term solution while the borrowers position themselves for longer-term financing through a refinance. The borrowers bring stable employment histories in the education sector, supported by consistent income and professional backgrounds. The property is located in Duncan, BC, a vibrant Vancouver Island community recognized for its mix of residential character, access to amenities, and proximity to both urban centers and natural surroundings.
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A
Location
Windsor, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
28.35%
Credit Score
699
Morcado ID
M49S-TRS8-XX36
Rate
6.99%
Property Type
Detached
Renewal Date
May 20, 2026
Amount Available
Sold Out
Owner Profile
Term - 12 months. Payments - prepaid for the term of the loan. Position - 1st Position. Exit - Borrower will be looking to refinance by the end of the term.
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A
Location
Calgary, Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
14.27%
Credit Score
814
Morcado ID
HS5U-BUB2-H9GQ
Rate
5.99%
Property Type
Detached
Renewal Date
March 1, 2026
Amount Available
$36,000.00 of $112,000.00
Owner Profile
Term: 6 months, Payments: Withheld, Position: 1st Position, Exit: Sale of Property This loan was structured as a short-term solution, with repayment expected from the sale of another property tied to the borrower’s family estate. The borrower brings over three decades of experience in the arts and entertainment industry. The property is located in Calgary, AB, within the lake community of Mahogany, a sought-after neighbourhood known for its recreational amenities, pathways, and convenient access to shops, dining, and major routes.
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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
$13,370.32 of $14,161.00
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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Please note: The curated Morcado inventory list above changes frequently, and mortgages can sell out quickly. We always have mortgages in the pipeline. Have questions? Contact your Mortgage Investment Advisor today.

Overall Grade

Assigned by Morcado after vetting important factors. A comes with lower risk, C is higher.

Interest Rate

The rate shown is the 'net' rate you get for the duration of the mortgage.

LTV

The loan-to-value ratio of the property. The lower the LTV, the lower the potential risk.

Term Left

The time left before the mortgage contract ends — and when your investment will either be paid out or renewed.

Property Use

Owner-occupied is lower risk; other usually refers to a second or vacation home.

Property Location

The city and neighbourhood help assess the potential desirability of the area for holding value.

Amount Available

The amount reduces as more clients invest in a mortgage. There may be pending requests ahead in the queue.

Security Position

Repayment order of mortgages in a foreclosure. 'Blanket' refers to multiple properties used as collateral.

Credit Score

A lower borrower credit score increases risk but generally comes with a higher return rate.

Owner Profile

Circumstantial details about the mortgage offer insight to aid your investment decisions.

A platform like no other.

Details are provided with each mortgage to help your selection.

The high-yield mortgages available on our investment platform are fully funded and vetted, and each one comes with important info, as explained above.

No personal or identifying details are given — just what you need to help you make an informed investment decision.* It's important to consider the mortgage details in light of your risk tolerance and financial goals.

You can look through our list above, but to select mortgages for investment, please set up or log into your Investor Account.

How do we determine the 'Grade' for each mortgage offered for investment?

We assign grades (A, B and C; there are no D's) to each mortgage as a general guide for comparison. We use the following weighted factors:

  • Weighted Loan to Value (LTV) – 20%
  • Mortgage charge position (first, second, third, or blanket) – 20%
  • Property's location – 20%
  • Quality of the property – 15%
  • Borrower's beacon score – 15%
  • Nature of the borrower's income – 5%
  • Property usage (owner-occupied, rental, or second home) – 5%

Grade A (least risk): >70
Grade B: 60-70
Grade C: 50-60

Learn more about our platform House Rules.

Want to get started? Please get in touch with a Mortgage Investment Advisor for more information.

Start earning passive income today.

Book a time that works for you. A Mortgage Investment Advisor will help you set up your account.
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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).