Get more 'rate' in your pocket by investing directly in high-yield mortgages. We make it simple to select your investments your way — and watch the returns roll in every month.
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.
Current Mortgage Inventory
Grade
Rate
Term Left
Property Use
Location
Available
A
Location
Hanmer,
Ontario
Security
second
Property Use
Owner occupied
Weighted LTV
54.64%
Credit Score
817
Morcado ID
JEFQ-72U3-6GSQ
Rate
6.99%
Property Type
Detached
Renewal Date
March 9, 2026
Amount Available
$115,335.00
of $145,000.00
Owner Profile
Term: 6 months | Payments: Made | Position: 2nd | Exit: Sale of Property
The borrower has over 20 years of professional experience in education and community services. Financing was arranged to support the purchase of a new residence, with repayment anticipated through the sale of the current property, which is scheduled to be listed shortly. The property is located in Hanmer, a community within the Greater Sudbury area, offering access to local schools, parks, retail amenities, and transportation routes.
Term – 12 months – Payments – To be made – Position – 1st Position – Exit – Refinance to prime lender
Notes:
Recently settled in Alberta, the clients have a combination of ongoing remote employment income in a professional role and skilled trades expertise, supported by healthy savings during this transition period. Their plan is to refinance with a prime lender once B2 secures local employment in Calgary, strengthening their long-term financial position. The property is located in a sought-after Calgary community, combining lifestyle appeal with strong real estate fundamentals—making this a compelling and well-supported mortgage investment opportunity.
Term : 6 months, Payments: Made, Position: 1st Position, Exit: Refinance
This refinance was structured to provide a short-term solution while the borrowers position themselves for longer-term financing through a refinance. The borrowers bring stable employment histories in the education sector, supported by consistent income and professional backgrounds. The property is located in Duncan, BC, a vibrant Vancouver Island community recognized for its mix of residential character, access to amenities, and proximity to both urban centers and natural surroundings.
Term: 6 months, Payments: Withheld, Position: 1st Position, Exit: Sale of Property
This loan was structured as a short-term solution, with repayment expected from the sale of another property tied to the borrower’s family estate. The borrower brings over three decades of experience in the arts and entertainment industry. The property is located in Calgary, AB, within the lake community of Mahogany, a sought-after neighbourhood known for its recreational amenities, pathways, and convenient access to shops, dining, and major routes.
Term: 6 months | Payments: Withheld | Position: 1st | Exit: Refinance
This short-term mortgage is structured with repayment expected at the end of the term through more traditional, longer term, take out financing. The borrowers bring professional experience in management and extensive experience in renovations. Lake Bonavista is a premier southeast Calgary community centered around two man-made lakes, offering residents exclusive year-round access to swimming, skating, and other recreational activities. With mature tree-lined streets, excellent schools, and nearby shopping, it’s one of the city’s more desirable family neighborhoods.
Term: 6 months | Payments: Withheld | Position: 2nd | Exit: Sale of Property
This short-term mortgage is structured with repayment expected at the end of the term through the sale of the property. The borrowers bring professional experience in management and extensive experience in renovations. Located in the McKenzie Lake area of southeast Calgary, this community is well-regarded for its private lake access, recreational amenities, and family-friendly environment. With extensive pathways, parks, nearby schools, and convenient access to shopping and major routes, it remains one of the city’s most desirable lake communities.
Term: 6 months | Payments: Withheld | Position: 2nd | Exit: Sale of Property
The borrower is semi-retired and has owned the property for 12 years. The borrower intends to downsize and sell the home prior to maturity. The home shows well and has good market appeal. The property is located in a sought-after area of Markham, Ontario, within a neighborhood that offers access to schools, parks, retail amenities, and major transportation routes.
Term: 6 months | Payments: Withheld | Position: 1st | Exit: Sale of Property
The borrower is retired and has owned the residence for over 25 years. This financing was structured as an equity take-out to assist family members with a down payment. Repayment is expected through the sale of the current property, with plans to downsize into a condominium following the sale. The home is located in the Minnetonka area of Winnipeg, an established neighbourhood with access to schools, parks, retail amenities, and major transportation routes. The borrower maintains an excellent credit history.
Term - 12 months. Payments - prepaid for the term of the loan. Position - Blanket mortgage, 1st Position on both properties. Exit - Borrower will be selling the existing property to payout the mortgage by the end of the term.
Term - 6months. Payments - payments to be made throughout the term of the loan. Position - 2nd Position. Exit - Borrower to refinance by the end of the term
Term- 12 month -Payments- Payments made - Position - First position - Exit -To sell
Notes :
The client is in the process of relocating, and therefore is unemployed however was previously in the accounting industry. The purpose of the refinance was for an equity take out to buy the future property outright. This subject property is a 931 sq ft condo in a desirable Toronto neighborhood and is well maintained. The client has significant assets, an excellent credit history, and the loan-to-value ratio is very low, providing acceptable repayment assurance despite the temporary employment gap.
Term: 6 months, Payments: Made, Position: 1st Position, Exit: Refinance
This refinance was structured as a short-term solution following a temporary credit impact related to co-signing for a family member, which has since been resolved. The borrowers bring stable household income through permanent
employment. The property is located in Calgary, AB, within the Panorama Hills community, a well-established area known for its family-friendly environment, schools, parks, and convenient access to shopping, transit, and major roadways.
Term – 6 months - Payments – To be made for the term - Position – 1st Position - Exit – Borrower will cash out investments to repay the loan before the renewal date
Notes:
The borrower, who intends to make this home their full-time residence following the sale of their Toronto property, recently purchased a second home in the up-and-coming lakeside community of Caesarea, Ontario—a rapidly growing area known for its natural beauty and welcoming environment. Located just about 60 minutes northeast of Toronto, this peaceful retreat offers convenient access to nearby towns like Port Perry and Uxbridge, known for their vibrant local shops, dining, and recreational amenities. With easy access to Highway 407, commuting to the Greater Toronto Area is straightforward, making this an attractive location for both lifestyle and long-term value.
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 returnsbacked 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
Build your mortgage portfolio — and your monthly income.
Select from vetted high-yield mortgages, choosing your return rates and risk level — then sit back while the money rolls in. Invest across multiple properties for reduced risk and balanced returns.
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.
Get started with $7,000.
The sooner you start, the sooner you can access attractive rates and stable 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.
