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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
Term Left
Property Use
Location
Available
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
$114,250.00 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
Calgary, Alberta
Security
first
Property Use
rental
Weighted LTV
64.99%
Credit Score
751
Morcado ID
L5A2-VR76-FVWJ
Rate
6.99%
Property Type
Apartment
Renewal Date
July 28, 2026
Amount Available
Sold Out
Owner Profile
Term - 12 months. Payments - Prepaid for term - Position - 1st Position Exit - Borrower will refinance by 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
$282,934.71 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
$387,500.00 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
Kleinburg, Ontario
Security
second
Property Use
Owner occupied
Weighted LTV
61.03%
Credit Score
735
Morcado ID
XLNT-XBXQ-CFXF
Rate
6.99%
Property Type
Detached
Renewal Date
August 21, 2026
Amount Available
$56,995.89 of $250,000.00
Owner Profile
Term: 12 months • Payments: Held back • Position: 2nd • Exit: Refinance upon first mortgage renewal. This refinance consolidates debt and reduces monthly obligations, while positioning the borrowers for a transition to traditional financing when their first mortgage matures. The borrowers have long-term, stable employment in professional trades and health-related fields, with consistent, stable income. The property is located in a desirable Ontario community with strong market fundamentals, amenities, and historically resilient home values.
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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
$397,355.25 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
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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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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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
Keep up with Morcado!

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).