Looking to make money from mortgages?
Different than a MIC. On purpose.
Welcome to a innovative way to invest in real estate. Get more control and transparency, faster access to your returns, and attractive high-yield rates that aren't watered down by operational costs.
~ 9.0%
Avergage Return Rate
$140M
Funded Mortgages
0
Losses to Date
An investment platform like no other.
The Morcado™ platform allows direct investment in vetted, qualified syndicated mortgages. It's not just an investment opportunity — it's a game-changer in the world of interest-based investments.
Self-direct your mortgage selections, choosing your attractive, fixed return rates based on your risk preferences. Then, watch the passive monthly income roll in — to use as cash income or reinvest and grow wealth.
High-Yield Mortgage Inventory
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Splashing around a MIC pool, wishing your investments had more focus?
Instead, choose a direct lane.
Rather than owning a share in a MIC pool (Mortgage Investment Corporation) where the dividends can change based on the corporation's overall performance or be diluted by management and admin fees — going 'direct' with Morcado allows more control over your investment experience.
- Easily choose from rigorously vetted mortgages based on the criteria provided
- Diversify your portfolio based on your risk preferences
- The high-yield rate you see is the rate you get for the mortgage's duration
- A transparent fee structure means NO trading fees or operational overhead to dilute returns
- Instant access to account details
- Fixed monthly returns are deposited into an account of your choice
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.
What is a MIC?
A Mortgage Investment Corporation (MIC) pools capital from multiple investors (like you) to lend to property owners, focusing on residential and commercial mortgages.
You own a share in this pool and collect dividend returns (usually quarterly) that can change based on the corporation's overall performance and be diluted by management and admin fees.
MICs pay dividends
MICs are legally required to distribute 100% of their net income to shareholders, making them a popular choice for those seeking consistent income.
No direct control
However, while investors in MICs can benefit from a diversified portfolio and passive income, they have no direct control over which specific mortgages their capital is allocated to, making it a more hands-off investment.
Return volatility
MICs often invest in higher-risk private mortgage loans, which can lead to return volatility due to greater exposure to borrower defaults and market conditions.
Don't MICs offer monthly dividends, too?
Yes, some MICs offer monthly dividends. However, monthly MICs may incur higher administrative costs (due to more frequent calculations and distributions) that may be passed on to investors, resulting in slightly lower net returns compared to quarterly dividend MICs.
Also, MICs paying monthly dividends may need to maintain higher liquidity to cover more frequent payouts, which can affect their ability to reinvest capital and impact their long-term growth or return potential.
How are we an alternative to MICs?
A direct-investment business model
The qualified, syndicated mortgages on the Morcado™ platform are individually stringently curated and offered for your individual investment.
This business model is substantially different from MICs, in that you become the 'lender,' taking over an amount of a borrower's mortgage loan to claim a percentage of the interest payment as your return on your investment.
Fixed, monthly returns
Already part of the mortgage 'flora' (with monthly mortgage payments the standard), this frequency doesn't impact your return potential, now or later.
Your returns are fixed based on the rate and term of mortgages selected and can't be watered down. Morcado doesn't offer high-risk private mortgages that come with a greater risk of default.
Simple, transparent fee structure
Morcado manages the mortgage processes on your behalf (mortgage origination, underwriting, and administration) — while offering attractive rates and a simple fee structure that provides transparency on exactly what your returns will be (read about inherent mortgage risks here).
Key benefits of Morcado's mortgage investment platform:
- Potential for higher returns. High-yield mortgages offer better rates than traditional mortgages.
- Net return rates. The rates you select are the rates you get.
- Passive, monthly income. Return amounts are typically set for the duration of the mortgage and deposited into your account of choice.
- Self-directed investment. Choose your mortgages and get easy access to account details.
- Transparency. Know exactly where your money goes and what you'll receive in return.
- Diversify your portfolio. Investing across multiple properties offers reduced risk and balanced returns.
In other words, you make bank, like a bank — growing wealth through a simple investment experience.
Have questions or want to get started? Book with your Mortgage Investment Advisor today.
Easy to invest. Use cash — or your RRSP, TFSA, 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.
Select your mortgages and start building wealth.
Rather than just owning a share in a pool of mortgages (such as a MIC), you have more control over your risk and reward.
Invest across multiple properties of your choosing for reduced risk and balanced returns. Earn passive income at higher rates than traditional mortgages.
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.
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.
For a limited time, we are waiving account setup fees. And all annual fees with a minimum $100,000 invested.
See fee schedule
Disclaimers:
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.
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