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Take advantage of today’s higher rates with

Mortgage Investing

We open the door for everyday people to invest directly in mortgages. Collect monthly high-yield returns as passive income while we do the behind-the-mortgage work.

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8.74%

Rates Up To*

$140M

Funded Mortgages

0

Losses to Date

Earn attractive rates across multiple borrowers and properties.

Select from funded, curated mortgages, spreading out your investment for reduced risk* and balanced returns. Then, sit back while the money comes in.

Current Mortgage Inventory

Grade
Rate
Term Left
Property Use
Location
Available
A
Location
Calgary , Alberta
Security
first
Property Use
rental
Weighted LTV
80.00%
Credit Score
773
Morcado ID
M442-BZLS-R2JU
Rate
7.99%
Property Type
Detached
Renewal Date
August 24, 2025
Amount Available
$170,758.45 of $420,000.00
Owner Profile
Term - 6 months. Payments - payments to be made throughout the term of the loan. Position - 1st Position. Exit - Borrower plans to refinance to pay this loan off by the end of the term.
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A
Location
Vancouver, British Columbia
Security
second
Property Use
Owner occupied
Weighted LTV
62.98%
Credit Score
699
Morcado ID
GXMW-R2YP-RQGF
Rate
7.49%
Property Type
Apartment
Renewal Date
February 27, 2026
Amount Available
$89,250.74 of $220,000.00
Owner Profile
Term - 12 months. Payments - payments to be made throughout the term of the loan. Position - 2nd Position. Exit - Borrower will be looking to refinance out of this loan.
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A
Location
King City, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
69.57%
Credit Score
894
Morcado ID
WQA5-WFBG-AJUV
Rate
8.24%
Property Type
Detached
Renewal Date
April 19, 2025
Amount Available
$410,546.66 of $1,594,666.66
Owner Profile
Term - 1 month. Payments - prepaid payment for the term of the loan. Position - 1st Position. Exit - Borrower to sell by the end of the term.
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A
Location
Calgary, Alberta
Security
second
Property Use
rental
Weighted LTV
47.28%
Credit Score
648
Morcado ID
KZWS-72DK-QRQX
Rate
7.24%
Property Type
Detached
Renewal Date
October 1, 2025
Amount Available
$25,000.00 of $25,000.00
Owner Profile
Term - 6 months. Payments - payments to be made throughout the term of the loan. Position - 2nd Position. Exit - Borrower to sell by the end of the term.
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A
Location
Calgary, Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
80.00%
Credit Score
761
Morcado ID
TGVG-K5ZK-775E
Rate
7.74%
Property Type
Detached
Renewal Date
July 1, 2025
Amount Available
$465,995.82 of $472,575.10
Owner Profile
Term - 3 months. Payments - payments to be made throughout the term of the loan. Position - 1st Position. Exit - Borrowers to sell by the end of the term
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A
Location
Calgary, Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
80.00%
Credit Score
832
Morcado ID
857A-3XC6-HMFH
Rate
7.74%
Property Type
Detached
Renewal Date
June 10, 2025
Amount Available
$248,900.00 of $260,000.00
Owner Profile
Term - 3 months. Payments - payments to be made throughout the term of the loan. Position - 1st Position. Exit - Borrower will be looking to refinance out of this loan.
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B
Location
Medicine Hat , Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
67.80%
Credit Score
736
Morcado ID
USVW-D8ZS-YE9S
Rate
7.99%
Property Type
Detached
Renewal Date
September 1, 2025
Amount Available
$283,839.00 of $400,000.00
Owner Profile
Term - 6 months. Payments - held back payments for the term of the loan. Position - 1st Position. Exit - The borrower plans to sell the previous owner-occupied property in order to pay off this loan.
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B
Location
St Albert, Alberta
Security
second
Property Use
Owner occupied
Weighted LTV
80.00%
Credit Score
736
Morcado ID
JHJN-DUCT-2MU4
Rate
8.24%
Property Type
Detached
Renewal Date
March 14, 2026
Amount Available
$26,729.62 of $88,596.60
Owner Profile
Term - 12 months. Payments - payments to be made throughout the term of the loan. Position - 2nd Position. Exit - Borrower to refinance by the end of the term.
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C
Location
Calgary, Alberta
Security
second
Property Use
Owner occupied
Weighted LTV
59.73%
Credit Score
696
Morcado ID
S9MY-SKEE-LX3B
Rate
8.74%
Property Type
Detached
Renewal Date
April 1, 2026
Amount Available
$105,000.00 of $105,000.00
Owner Profile
Term - 12 months. Payments - held back payments for the term of the loan. Position - 2nd Position. Exit - Client plans to re-establish credit to facilitate refinancing the property. Notes: The client has owned the property for over 20 years. A car loan was cosigned, and due to arrears of that loan, a judgment was placed against the property, which allowed the judgment to be recorded on the title. In order to prevent foreclosure, the client paid off the judgment with this mortgage loan. The first mortgage has been paid as agreed.
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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.

Easy to invest. Use cash — or your RRSP, TSFA, 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 high-yield rates and monthly returns — becoming the lender to 'make bank' while we take care of the details.

Wallet

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.

Zero trading fees image

Qualified Syndicated Mortgages (aka, the good stuff).

We know it’s a mouthful, but Morcado is the first investment platform in Canada to offer QSMs to the masses. 

'Qualified' is defined as existing, standard residential, non-commercial properties — no pre-construction or large condo complex loans. 'Syndicated' means several investors (lenders) participating in a mortgage that is secured by real estate.

For a limited time, we are waiving account setup fees. And all annual fees with a minimum $100,000 invested.
See fee schedule
Purple Sash - 0 Setup Fees
Start earning passive income today.

Book a time that works for you. A Mortgage Investment Advisor will help you set up your account.
Book a call
Keep up with Morcado!

Catch the latest on product tweaks and news — and investment trends.
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*Disclaimers and Disclosures

As with any investment, we recommend seeking professional 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. 

 

Investing in qualified syndicated mortgages through Morcado involves risks, which, depending on the product offered, can include potential loss of principal, market volatility, and non-guaranteed returns. 

 

Past performance does not guarantee future results. Any reference to projected returns is considered an estimate, not guaranteed results.

 

Promoted return rates are subject to change as mortgages can sell out quickly.

 

High-yield mortgages offered on the Morcado investment platform are secured by residential Canadian real estate. Investments in mortgages through Morcado are not insured by the Canada Deposit Insurance Corporation (CDIC). Any uninvested amounts parked with Morcado Trust are held within a large Canadian bank.

 

Morcado Trust is registered and regulated in Alberta as a Trust Company according to the Loans and Trust Corporations Act (LTCA).