Looking for a passive way to earn real estate dollars?
Say 'Hello' to mortgage money, monthly.
Invest directly in mortgages while we take care of the work. Access higher interest rates and collect easy returns — with no renters to manage or leaks to fix.
~ 9.0%
Avergage Return Rate
$140M
Funded Mortgages
0
Losses to Date
Current Mortgage Inventory
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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 $10,000.
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.
See fee schedule
Welcome to high-yield mortgage income.
Morcado's innovative mortgage platform makes investing in mortgages more accessible and attractive for everyday investors — providing passive income returns to use how you wish.
We've taken our years of experience, stellar mortgage track record, and access to high-yield mortgage loans and opened it up for Canadians like you to take advantage of higher return rates compared to GICs or some MICs.
Mortgages available through Morcado can be an appealing choice if you're seeking interest income through real estate investing that comes without the landlord hassle. Direct mortgage investment can be a great way to complement your existing financial strategy, especially for medium or long-term goals.
Well, hello, money in your account monthly.
(While we take care of the behind-the-mortgage details.)
The key benefits of Morcado's direct mortgage investment platform:
- Higher returns than traditional mortgages. High-yield mortgage products are used by many Canadian homeowners and can offer higher rates for your investment dollars.
- More cash. We help you 'become' the lender for potentially less fees and more 'interest rate' in your pocket compared to other real-estate-based investments, such as some pooled MICs.
- Less stress. No properties or renter to manage. Fully funded and vetted, we don't offer a mortgage until it's put through our stringent process — over and above what it was subjected to for lender approval. All you have to do is build your mortgage portfolio based on your risk-reward preference.
- Better control. The rate you see on our platform is the return rate you get for that mortgage.
- Monthly payments. Your returns are typically set for the duration of the mortgages selected.
- Spend your passive income, or save it. Whether you invest through a registered savings account or a non-registered account, you can decide to use your returns or let them build up in your tax-sheltered vehicle.
- Hassle-free. We collect the mortgage payments, connect with the borrower, and manage the admin for you.
Important note: Mortgage investment, like any investment, comes with certain risks. Read our risk disclosure and disclaimers.
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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