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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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~ 9.0%

Avergage Return Rate

$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

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Grade
Rate
Term Left
Property Use
Location
Available
A
Location
Maple Maple, Ontario
Security
second
Property Use
Owner occupied
Weighted LTV
60.65%
Credit Score
894
Morcado ID
SS6R-GW9C-JRJ8
Rate
8.24%
Property Type
Detached
Renewal Date
March 19, 2025
Amount Available
$1,072,991.17 of $1,075,000.00
Owner Profile
Term - 6 months. Payments - held-back for the term of the loan. Position - 2nd Position. Exit - Borrower will sell second home before loan renewal.
Start Investing
A
Location
Toronto Toronto, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
45.89%
Credit Score
627
Morcado ID
T42Z-CEVD-P5TL
Rate
8.74%
Property Type
Detached
Renewal Date
November 1, 2024
Amount Available
$301,007.36 of $725,000.00
Owner Profile
Term – 3 months Payments – Prepaid Exit Strategy - Another property the borrowers own has a firm sale for September 11, 2024. Plan to payout this loan from sale proceeds of this property.
Start Investing
A
Location
Chestermere Chestermere, Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
58.73%
Credit Score
646
Morcado ID
2498-CPXV-4JLK
Rate
8.74%
Property Type
Detached
Renewal Date
November 1, 2024
Amount Available
$168,838.77 of $370,000.00
Owner Profile
Term - 3 Months. Payments - Prepaid. Exit Strategy - Borrower plans to list and sell the home.
Start Investing
A
Location
East Gwillimbury East Gwillimbury, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
69.98%
Credit Score
846
Morcado ID
YPTA-49FL-797K
Rate
8.24%
Property Type
Detached
Renewal Date
April 1, 2025
Amount Available
$1,342,000.00 of $1,392,000.00
Owner Profile
Term - 6 months. Payments - borrower to make payments. Position - 1st Position. Exit - Borrower will sell second home before loan renewal.
Start Investing
A
Location
Calgary Calgary, Alberta
Security
second
Property Use
Second
Weighted LTV
57.52%
Credit Score
760
Morcado ID
89V6-FTJ2-9SM2
Rate
8.24%
Property Type
Apartment
Renewal Date
December 27, 2024
Amount Available
$190,000.00 of $190,000.00
Owner Profile
Term - 3 months. Payments - borrower to make payments. Position - 2nd Position. Exit - Borrower will sell second home before loan renewal.
Start Investing
A
Location
Calgary Calgary, Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
71.88%
Credit Score
669
Morcado ID
A5AA-WVPC-RKES
Rate
8.49%
Property Type
Detached
Renewal Date
September 6, 2025
Amount Available
$433,000.00 of $575,000.00
Owner Profile
Term - 12 months. Payments - Borrower to pay monthly. Position - 1st position. Exit Strategy - Borrower will obtain alternative or bank financing before the end of the term.
Start Investing
A
Location
King City King City, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
69.57%
Credit Score
894
Morcado ID
4E9P-UEGA-GE4X
Rate
8.24%
Property Type
Detached
Renewal Date
March 19, 2025
Amount Available
$1,396,927.43 of $1,600,000.00
Owner Profile
Term - 6 months. Payments - held back for 6 month term of the loan. Position - 1st Position. Exit - Borrower plans to sell another home to pay this loan off.
Start Investing
A
Location
Aldergrove Aldergrove, British Columbia
Security
second
Property Use
Owner occupied
Weighted LTV
33.39%
Credit Score
606
Morcado ID
QQ4Z-H3B7-4QW2
Rate
8.24%
Property Type
Row
Renewal Date
January 15, 2025
Amount Available
$70,000.00 of $70,000.00
Owner Profile
Term - 3 Months. Payments - Borrower to pay. Exit Strategy - Borrower plans improve their credit score and refinance at a bank.
Start Investing
A
Location
Burnaby Burnaby, British Columbia
Security
second
Property Use
Owner occupied
Weighted LTV
62.74%
Credit Score
670
Morcado ID
X59V-DAD6-ZZVK
Rate
8.24%
Property Type
Apartment
Renewal Date
October 11, 2025
Amount Available
$61,678.01 of $70,000.00
Owner Profile
Term - 12 months. Payments - borrower to make payments. Position - 2nd Position. Exit - Borrower should qualify with an A lender within a year.
Start Investing
B
Location
Scarborough Scarborough, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
64.40%
Credit Score
644
Morcado ID
VQVH-98MU-4NR8
Rate
9.49%
Property Type
Apartment
Renewal Date
March 10, 2025
Amount Available
$87,599.11 of $351,000.00
Owner Profile
Term - 6 Months. Payments - Borrower to pay monthly. Position - 1st Position. Exit Strategy - Borrower to obtain bank or alternative financing before the end of the term of the loan.
Start Investing
See More

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.

Rrsp tiles

Get started with $10,000.

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
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

*As with any investment, we recommend seeking professional mortgage and 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.

Potential risks associated with mortgage investment include principal loss, market volatility, and non-guaranteed returns. Past performance does not guarantee future results.

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

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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