Our 3.49% 6-Mo Fixed is the lowest mortgage rate available in Canada.

Morcado Trust

It's our mortgage investment platform. And it gives everyday Canadians an advantage.

You now have direct, simple access to high-yield mortgage rates while we do the (mortgage) work.

Invest directly in high-yield mortgages.

Morcado Trust, a True North company, is an innovative mortgage investment platform.

It allows everyday Canadians to select mortgages to invest in and take advantage of high-yield return rates.

Stable, set returns roll into designated accounts every month as passive income.

Clients can invest through registered savings accounts or with cash and spread investment funds across multiple borrowers and properties for reduced risk and balanced returns.

True North saves you money on mortgages. Now, through Morcado, we help you build wealth through mortgages.

We're all about mortgages. So we thought, why not allow people to earn returns like banks do?

True North Mortgage has years of experience providing exceptional mortgage service, both as a broker and a lender (through our in-house, CMHC-approved THINK Financial).

We created Morcado Trust to share our mortgage expertise and access — providing the opportunity to invest directly in residential real estate without having to deal with the behind-the-mortgage details (that's our job).

The fully funded and vetted mortgages offered on Morcado's investment platform are high-yield, short-term financing products, meaning they carry higher rates than a typical mortgage.

An investor becomes a lender — their investment amount is applied directly to the mortgages selected, acting like a bank and getting returns like a bank.

A direct line to higher return rates and no trading fees.

The high-yield return rate listed for a mortgage is the rate received, much different than a MIC (Mortgage Investment Corporation), which pools funds and carries extra costs that can water down the returns.

Morcado's safe and secure investment infrastructure, backed by True North expertise, allows complete flow-through of the income generated for higher returns that come with no trading fees and a low annual fee.*

From True North Mortgage to Morcado Trust to our investors, it's a (mortgage) direct line to growing wealth.

*All investments come with certain risks, as do mortgages available on the Morcado mortgage platform. Morcado adheres to strict requirements and regulations in offering and managing mortgages for investment. Contact a Morcado Mortgage Investment Advisor for more details.