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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
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
57.83%
Credit Score
824
Morcado ID
RW98-SQCX-YAYJ
Rate
6.99%
Property Type
Detached
Renewal Date
July 24, 2026
Amount Available
Sold Out
Owner Profile
Term - 12 months. Payments - Payments to be made - Position - 1st Position Exit - Borrower will refinance by the end of the term
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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
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
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
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
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
Coldwater, Ontario
Security
second
Property Use
Owner occupied
Weighted LTV
56.16%
Credit Score
766
Morcado ID
NUCZ-U7CC-J87R
Rate
7.99%
Property Type
Detached
Renewal Date
October 9, 2025
Amount Available
Sold Out
Owner Profile
Term - 3 months. Payments - Payments made for the term of the loan. Position - 2nd Position. Exit - The borrower will be refinancing
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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
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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C
Location
Bedford, Nova Scotia
Security
first
Property Use
Owner occupied
Weighted LTV
75.00%
Credit Score
633
Morcado ID
2S5J-ZD56-3EN3
Rate
8.99%
Property Type
Detached
Renewal Date
November 14, 2025
Amount Available
Sold Out
Owner Profile
Term - 6 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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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).