Owner Profile
Term - 6 months. Payments - Prepaid payment throughout the term. Position - 2nd Position. Exit - Borrower will sell before loan renewal.
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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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Rates Up To*
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Funded Mortgages
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Current Mortgage Inventory
Grade
Rate
Term Left
Property Use
Location
Available
Location
Whitby
Whitby,
Ontario
Security
second
Property Use
Owner occupied
Weighted LTV
38.13%
Credit Score
682
Morcado ID
6CDL-4NMP-5E2L
Rate
7.24%
Property Type
Detached
Renewal Date
June 12, 2025
Amount Available
$88,000.00
of $88,000.00
Location
King City
King City,
Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
69.57%
Credit Score
894
Morcado ID
4E9P-UEGA-GE4X
Rate
8.24%
Property Type
Detached
Renewal Date
March 19, 2025
Amount Available
$1,207,911.41
of $1,600,000.00
Owner Profile
Term - 6 months. Payments - held back for 6 month term of the loan. Position - 1st Position. Exit - Borrower plans to sell another home to pay this loan off.
Location
Burnaby
Burnaby,
British Columbia
Security
second
Property Use
Owner occupied
Weighted LTV
62.74%
Credit Score
670
Morcado ID
X59V-DAD6-ZZVK
Rate
8.24%
Property Type
Apartment
Renewal Date
October 11, 2025
Amount Available
$2,787.75
of $70,000.00
Owner Profile
Term - 12 months. Payments - borrower to make payments. Position - 2nd Position. Exit - Borrower should qualify with an A lender within a year.
Location
East Gwillimbury
East Gwillimbury,
Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
69.98%
Credit Score
846
Morcado ID
YPTA-49FL-797K
Rate
8.24%
Property Type
Detached
Renewal Date
April 1, 2025
Amount Available
$996,040.77
of $1,392,000.00
Owner Profile
Term - 6 months. Payments - borrower to make payments. Position - 1st Position. Exit - Borrower will sell second home before loan renewal.
Location
Calgary
Calgary,
Alberta
Security
second
Property Use
Second Home
Weighted LTV
57.52%
Credit Score
760
Morcado ID
89V6-FTJ2-9SM2
Rate
8.24%
Property Type
Apartment
Renewal Date
December 27, 2024
Amount Available
$71,332.97
of $190,000.00
Owner Profile
Term - 3 months. Payments - borrower to make payments. Position - 2nd Position. Exit - Borrower will sell second home before loan renewal.
Location
Maple
Maple,
Ontario
Security
second
Property Use
Owner occupied
Weighted LTV
60.65%
Credit Score
894
Morcado ID
SS6R-GW9C-JRJ8
Rate
8.24%
Property Type
Detached
Renewal Date
March 19, 2025
Amount Available
$751,599.78
of $1,075,000.00
Owner Profile
Term - 6 months. Payments - held-back for the term of the loan. Position - 2nd Position. Exit - Borrower will sell second home before loan renewal.
Location
Calgary
Calgary,
Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
64.21%
Credit Score
675
Morcado ID
XGFR-P6SH-NA9L
Rate
7.74%
Property Type
Detached
Renewal Date
November 1, 2025
Amount Available
$367,000.00
of $427,000.00
Owner Profile
Term - 12 months. Payments - borrower to make payments. Position - 1st Position. Exit - Borrower should qualify for a refinance before renewal.
Location
Calgary
Calgary,
Alberta
Security
second
Property Use
Owner occupied
Weighted LTV
38.16%
Credit Score
682
Morcado ID
5RVK-BTW6-NWEQ
Rate
7.74%
Property Type
Detached
Renewal Date
May 13, 2025
Amount Available
$162,500.00
of $215,000.00
Owner Profile
Term - 6 months. Payments - prepaid for the term of the loan. Position - 2nd Position. Exit - Borrower expecting funds from parents prior to renewal to payout in full.
Location
St Catharines
St Catharines,
Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
55.51%
Credit Score
701
Morcado ID
WUCM-SFFM-EEVV
Rate
7.74%
Property Type
Detached
Renewal Date
June 2, 2025
Amount Available
$340,000.00
of $340,000.00
Owner Profile
Term - 6 months. Payments - prepaid for the term of the loan. Position - 1st Position. Exit - Borrower will obtain bank financing once divorce is finalized.
Location
Calgary
Calgary,
Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
24.85%
Credit Score
849
Morcado ID
M47G-88MK-3DDE
Rate
7.74%
Property Type
Apartment
Renewal Date
December 1, 2025
Amount Available
$82,000.00
of $82,000.00
Owner Profile
Term - 12 months. Payments - prepaid for the term of the loan. Position - 1st Position. Exit - Borrower will find full time employment and refinance before the end of the term.
Location
Calgary
Calgary,
Alberta
Security
first
Property Use
rental
Weighted LTV
80.00%
Credit Score
854
Morcado ID
TSLD-A328-ADKM
Rate
8.24%
Property Type
Detached
Renewal Date
April 21, 2025
Amount Available
$394,022.00
of $680,000.00
Owner Profile
Term - 6 months. Payments - Borrower to make payments for the term of the loan. Position - 1st Position. Exit - Borrower will refinance before the end of the term.
Location
Oakville
Oakville,
Ontario
Security
second
Property Use
Owner occupied
Weighted LTV
74.05%
Credit Score
739
Morcado ID
JKYX-FKUL-B2CS
Rate
9.74%
Property Type
Detached
Renewal Date
December 6, 2025
Amount Available
$109,707.98
of $275,800.00
Owner Profile
Term - 12 months. Payments - prepaid for the term of the loan. Position - 2nd Position. Exit - Borrowers will be selling the property prior to renewal.
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.
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
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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