Say 'Hello' to mortgage money, monthly.

Welcome to high-yield interest returns.

Morcado's innovative mortgage platform allows everyday investors like you to collect attractive, fixed returns every month the 'passive' way, to use how you wish.

Whether you need the extra cash or prefer to reinvest to grow your wealth, Morcado can be an appealing choice to complement your existing financial strategy, especially for medium or long-term goals. 

Diversify your portfolio by including a source of passive income.

What is passive income? Passive income is money earned with minimal ongoing effort or active involvement, such as from dividend stocks, certain rental property setups, or interest-bearing accounts. Alternatively, making passive income may require an initial commitment of time and effort but can continue to pay over time, such as by selling digital products or engaging in affiliate marketing.

If you're looking for ways to add passive income, Morcado investments offer fixed monthly returns backed by real property, providing a balance of risk and enhanced income stability as part of a diversified portfolio.

Morcado's direct mortgage investment platform is like no other in Canada.

• Gain exposure to a different asset class that isn’t directly tied to market fluctuations like stocks or bonds. 
• High-yield returns. The rate you see is the return rate you get for that mortgage. 
• Hassle-free. We collect the mortgage payments, connect with the borrower, and manage the admin for you.
• Better control. Self-directed investment allows you to build your mortgage portfolio based on your risk-reward preference.
• Fixed monthly payments. Your returns are set for the duration of the mortgages selected.
• Spend your passive income, or grow it. Direct your deposits to an account of your choice, including registered savings accounts.

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.

Are rates higher with Morcado investments?

High-yield mortgages offered on the Morcado platform typically carry rates that are higher than prime rates and traditional mortgage rates. 

These short-term products address more complex mortgage needs and support many Canadians in maintaining their homeownership dreams.

What other investments offer monthly dividends?

There are some MICs that offer monthly dividends, though they can vary from period to period based on corporate performance.

Other growth and tech companies, including some of the Magnificent Seven (major tech companies such as Microsoft and Apple), can offer dividends.

These dividends are typically paid on a quarterly basis, declared a few weeks before the payment date. And, they're subject to market fluctuations and operational costs for the returns produced. 

In contrast, investing through Morcado provides more transparency and control in selecting mortgages — and you'll know that your return rates won't change for the terms selected.

GICs are low-risk but offer lower rates and no access to returns until maturity.

GICs are a popular investment vehicle, offered for varying fixed term lengths, and are low-risk as they're backed by the Canadian government.

But they don't offer monthly passive income and typically carry lower rates than the high-yield mortgages available on the Morcado platform. 

What are some ways to use your passive monthly income?

Apart from the purpose of reinvesting passive returns to build wealth, here are some popular reasons Canadians seek extra cash through passive income sources:

• Pay off debt or debt interest (for example, if you borrowed from your home equity to invest)
• Build children's savings accounts
• Spending allowance for clothes, furniture, or home maintenance costs
• Help with property taxes
• Holiday, home renovation or rainy day fund
• Additional retirement income stream
• Protection against stock market volatility during downturns
• Inflation hedge for rental income or GIC investments