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CHOOSE FROM FULLY FUNDED, HIGH-YIELD MORTGAGES

Mortgages

Mortgages Available for Investment

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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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C
Location
Canmore Canmore, Alberta
Security
blanket
Property Use
Owner occupied
Weighted LTV
55.38%
Credit Score
625
Morcado ID
A989-T9J9-5YRP
Rate
9.49%
Property Type
Detached
Renewal Date
February 16, 2025
Amount Available
$399,312.80 of $856,694.65
Owner Profile
The borrower is an elderly woman who owns two properties in Canmore on main street with lots of equity. It is a prime real estate location that allows up to 26 units to be built on them. She is currently overseeing the final arrangements of her brother's estate who passed away just after she finished finalizing her husbands estate. She would like to stay in the home she has lived in for almost 50 years until the estate is all settled and she can decide where she wants to move to next. Given the significant appreciation in property values, she is optimistic about the continued upward trajectory of the market. Despite acknowledging the substantial outlay in rates and fees, she firmly believes that the appreciation in property values has more than offset these expenses, positioning her well ahead of where she would be if she had sold in the past few years. While the homes themselves are older, they are well maintained. However, builders will find these two parcels very appealing for the significant number of units allowed to be built on them. We held back 12 months of payments from the loan so the borrower can collect rent from the one unit, plus her pension, which more than covers her monthly obligations without having to worry about this mortgage payment.
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Please note: The curated Morcado inventory list above changes frequently, and mortgages can sell out quickly.

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.

*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).

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Book a time that works for you. A Mortgage Investment Advisor will help you set up your account.
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