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CHOOSE FROM FULLY FUNDED, HIGH-YIELD MORTGAGES

Mortgages

Mortgages Available for Investment

Grade
Rate
Available
Term Left
Location
Property Use
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
$163,373.13 of $245,425.18
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
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
Sold Out
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
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
$272,578.51 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
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
$181,212.22 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
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
$267,000.00 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
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
$245,930.52 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
$335,371.88 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
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
$217,428.42 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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B
Location
Gloucester, Ontario
Security
second
Property Use
Owner occupied
Weighted LTV
72.49%
Credit Score
653
Morcado ID
ADVA-W5N3-X5FZ
Rate
8.24%
Property Type
Row
Renewal Date
May 27, 2026
Amount Available
Sold Out
Owner Profile
Term - 12 months. Payments - payments to be made throughout the term of the loan. Position - 2nd Position. Exit - Borrower will be looking to refinance by the end of the term.
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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
Sold Out
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
Kanata, Ontario
Security
second
Property Use
Owner occupied
Weighted LTV
61.52%
Credit Score
628
Morcado ID
E8RH-JHSG-4WX8
Rate
7.99%
Property Type
Detached
Renewal Date
May 7, 2026
Amount Available
Sold Out
Owner Profile
Term - 12 months. Payments - prepaid for the term of the loan. Position - 2nd Position. Exit - The borrower will be selling another property to repay this mortgage
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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
Sold Out
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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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).

 

FSRA Mortgage Administrator License #13777