Owner Profile
Term - 6 months. Payments - Prepaid payment throughout the term. Position - 2nd Position. Exit - Borrower will sell before loan renewal.
CHOOSE FROM FULLY FUNDED, HIGH-YIELD MORTGAGES
Mortgages
Mortgages Available for Investment
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.
Please note: The curated Morcado inventory list above changes frequently, and mortgages can sell out quickly.
Overall Grade
Assigned by Morcado after vetting important factors. A comes with lower risk, C is higher.
Interest Rate
The rate shown is the 'net' rate you get for the duration of the mortgage.
LTV
The loan-to-value ratio of the property. The lower the LTV, the lower the potential risk.
Term Left
The time left before the mortgage contract ends — and when your investment will either be paid out or renewed.
Property Use
Owner-occupied is lower risk; other usually refers to a second or vacation home.
Property Location
The city and neighbourhood help assess the potential desirability of the area for holding value.
Amount Available
The amount reduces as more clients invest in a mortgage. There may be pending requests ahead in the queue.
Security Position
Repayment order of mortgages in a foreclosure. 'Blanket' refers to multiple properties used as collateral.
Credit Score
A lower borrower credit score increases risk but generally comes with a higher return rate.
Owner Profile
Circumstantial details about the mortgage offer insight to aid your investment decisions.
A platform like no other.
Details are provided with each mortgage to help your selection.
The high-yield mortgages available on our investment platform are fully funded and vetted, and each one comes with important info, as explained above.
No personal or identifying details are given — just what you need to help you make an informed investment decision.* It's important to consider the mortgage details in light of your risk tolerance and financial goals.
You can look through our list above, but to select mortgages for investment, please set up or log into your Investor Account.
How do we determine the 'Grade' for each mortgage offered for investment?
We assign grades (A, B and C; there are no D's) to each mortgage as a general guide for comparison. We use the following weighted factors:
- Weighted Loan to Value (LTV) – 20%
- Mortgage charge position (first, second, third, or blanket) – 20%
- Property's location – 20%
- Quality of the property – 15%
- Borrower's beacon score – 15%
- Nature of the borrower's income – 5%
- Property usage (owner-occupied, rental, or second home) – 5%
Grade A (least risk): >70
Grade B: 60-70
Grade C: 50-60
Learn more about our platform House Rules.
Want to get started? Please get in touch with a Mortgage Investment Advisor for more information.
Start earning passive income today.
Book a time that works for you. A Mortgage Investment Advisor will help you set up your account.
Keep up with Morcado!
Catch the latest on product tweaks and news — and investment trends.
