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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
rental
Weighted LTV
80.00%
Credit Score
773
Morcado ID
M442-BZLS-R2JU
Rate
7.99%
Property Type
Detached
Renewal Date
August 24, 2025
Amount Available
$190,758.45 of $420,000.00
Owner Profile
Term - 6 months. Payments - payments to be made throughout the term of the loan. Position - 1st Position. Exit - Borrower plans to refinance to pay this loan off by the end of the term.
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A
Location
Vancouver, British Columbia
Security
second
Property Use
Owner occupied
Weighted LTV
62.98%
Credit Score
699
Morcado ID
GXMW-R2YP-RQGF
Rate
7.49%
Property Type
Apartment
Renewal Date
February 27, 2026
Amount Available
$89,250.74 of $220,000.00
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 out of this loan.
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A
Location
Calgary, Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
80.00%
Credit Score
832
Morcado ID
857A-3XC6-HMFH
Rate
7.74%
Property Type
Detached
Renewal Date
June 10, 2025
Amount Available
$255,000.00 of $260,000.00
Owner Profile
Term - 3 months. Payments - payments to be made throughout 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
King City, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
69.57%
Credit Score
894
Morcado ID
WQA5-WFBG-AJUV
Rate
8.24%
Property Type
Detached
Renewal Date
April 19, 2025
Amount Available
$467,806.96 of $1,594,666.66
Owner Profile
Term - 1 month. Payments - prepaid payment for the term of the loan. Position - 1st Position. Exit - Borrower to sell by the end of the term.
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B
Location
Medicine Hat , Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
67.80%
Credit Score
736
Morcado ID
USVW-D8ZS-YE9S
Rate
7.99%
Property Type
Detached
Renewal Date
September 1, 2025
Amount Available
$288,839.00 of $400,000.00
Owner Profile
Term - 6 months. Payments - held back payments for the term of the loan. Position - 1st Position. Exit - The borrower plans to sell the previous owner-occupied property in order to pay off this loan.
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B
Location
St Albert, Alberta
Security
second
Property Use
Owner occupied
Weighted LTV
80.00%
Credit Score
736
Morcado ID
JHJN-DUCT-2MU4
Rate
8.24%
Property Type
Detached
Renewal Date
March 14, 2026
Amount Available
$36,762.95 of $88,596.60
Owner Profile
Term - 12 months. 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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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).