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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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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

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Grade
Rate
Term Left
Property Use
Location
Available
A
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
$1,553,914.14 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.
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A
Location
Thamesford Thamesford, Ontario
Security
blanket
Property Use
Owner occupied
Weighted LTV
73.38%
Credit Score
732
Morcado ID
ZCY2-99AB-RQ3Y
Rate
8.74%
Property Type
Detached
Renewal Date
October 11, 2024
Amount Available
$542,800.00 of $645,000.00
Owner Profile
Our borrowers purchased a new build two years ago, but as the possession date approached, their circumstances changed. Their elderly parents required care, prompting the borrowers to move in with them. They sold their primary residence in March to facilitate this move. With rising interest rates, the cost of the new home became less appealing. Additionally, Borrower 2 was off work due to an illness and wasn't back full-time by the closing date, making it impossible to qualify for a bank mortgage. To avoid losing their down payment and to benefit from the increased equity since their original purchase, they opted for an interim loan. This loan was secured against this new property and their existing rental property, with three months' payments held back. Their plan is to close on the new build, convert it to a rental property, and then either refinance once Borrower 2 returns to full-time work or sell it within the three-month term. This strategy allows the borrowers to preserve their large deposit and capitalize on the property's appreciated value.
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A
Location
Toronto Toronto, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
45.89%
Credit Score
627
Morcado ID
T42Z-CEVD-P5TL
Rate
8.74%
Property Type
Detached
Renewal Date
November 1, 2024
Amount Available
$341,020.36 of $725,000.00
Owner Profile
Term – 3 months Payments – Prepaid Exit Strategy - Another property the borrowers own has a firm sale for September 11, 2024. Plan to payout this loan from sale proceeds of this property.
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A
Location
Chestermere Chestermere, Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
58.73%
Credit Score
646
Morcado ID
2498-CPXV-4JLK
Rate
8.74%
Property Type
Detached
Renewal Date
November 1, 2024
Amount Available
$191,178.75 of $370,000.00
Owner Profile
Term - 3 Months. Payments - Prepaid. Exit Strategy - Borrower plans to list and sell the home.
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A
Location
St Catharines St Catharines, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
50.94%
Credit Score
712
Morcado ID
39YK-ZC6C-VE8A
Rate
8.49%
Property Type
Detached
Renewal Date
December 1, 2024
Amount Available
$55,500.00 of $312,000.00
Owner Profile
Term - 3 months. Payments - Held back, prepaid for 3 month term. Position - 1st position. Exit Strategy - Borrower will obtain bank financing once divorce is finalized.
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A
Location
Calgary Calgary, Alberta
Security
first
Property Use
Owner occupied
Weighted LTV
71.88%
Credit Score
669
Morcado ID
A5AA-WVPC-RKES
Rate
8.49%
Property Type
Detached
Renewal Date
September 6, 2025
Amount Available
$575,000.00 of $575,000.00
Owner Profile
Term - 12 months. Payments - Borrower to pay monthly. Position - 1st position. Exit Strategy - Borrower will obtain alternative or bank financing before the end of the term.
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B
Location
Scarborough Scarborough, Ontario
Security
first
Property Use
Owner occupied
Weighted LTV
64.40%
Credit Score
644
Morcado ID
VQVH-98MU-4NR8
Rate
9.49%
Property Type
Apartment
Renewal Date
March 10, 2025
Amount Available
$239,485.61 of $351,000.00
Owner Profile
Term - 6 Months. Payments - Borrower to pay monthly. Position - 1st Position. Exit Strategy - Borrower to obtain bank or alternative financing before the end of the term of the loan.
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C
Location
Canmore Canmore, Alberta
Security
blanket
Property Use
Owner occupied
Weighted LTV
55.38%
Credit Score
625
Morcado ID
A989-T9J9-5YRP
Rate
9.49%
Property Type
Detached
Renewal Date
February 16, 2025
Amount Available
$459,410.67 of $856,694.65
Owner Profile
The borrower is an elderly woman who owns two properties in Canmore on main street with lots of equity. It is a prime real estate location that allows up to 26 units to be built on them. She is currently overseeing the final arrangements of her brother's estate who passed away just after she finished finalizing her husbands estate. She would like to stay in the home she has lived in for almost 50 years until the estate is all settled and she can decide where she wants to move to next. Given the significant appreciation in property values, she is optimistic about the continued upward trajectory of the market. Despite acknowledging the substantial outlay in rates and fees, she firmly believes that the appreciation in property values has more than offset these expenses, positioning her well ahead of where she would be if she had sold in the past few years. While the homes themselves are older, they are well maintained. However, builders will find these two parcels very appealing for the significant number of units allowed to be built on them. We held back 12 months of payments from the loan so the borrower can collect rent from the one unit, plus her pension, which more than covers her monthly obligations without having to worry about this mortgage payment.
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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.

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Get started with $10,000.

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.

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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.

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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

Disclaimers:

As with any investment, we recommend seeking professional mortgage and 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 Trust.

Potential risks associated with the mortgage investment include the risk of principal loss, market volatility, and non-guaranteed returns. Past performance does not guarantee future results.

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

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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