Our Story

We collaborate as a mortgage professional team to provide quality customer service and creative financing options that meet our clients’ needs. Our devoted team works round-the-clock to deliver fast results.

Freedom Capital was founded in 2010. Today, we operate as one of the largest National brokerages solely dedicated to the alternative and commercial mortgage market in Canada. Our team of Canadian Mortgage experts have combined experience of over 35 years in the mortgage lending industry. Over the years, working in the industry we have seen banks and all other government regulated financial institutions eliminate programs and tighten their approval process. Freedom Capital recognized the need for alternative financing for those individuals that require more diverse financial options.

Meet Our Team

Pip Dhaliwal

Pip Dhaliwal, founder of Freedom Capital Inc has worked in real estate financing and development for over 18 years.
With a vision of being a dominant expert in the Alternative/Commercial Mortgage space, Freedom Capital has successfully grown nationally and is currently licensed in British Columbia, Alberta and Ontario. Prior to establishing Freedom Capital, Mr. Dhaliwal gained extensive mortgage experience with leading roles in RBC, Coast Capital Savings and Vancity Savings Credit Union.
Born and raised in England, Pip successfully obtained a 5 year Business and Finance designation from Birmingham. He has also earned the CSC designation from the Canadian Securities Institution.
  • Agent Level 1 ON
  • Lic. No – M19000030
Freedom Capital
Pip Dhaliwal, CEO and Founder
DSC_1484 (1)
Rosy Ram, Managing Broker

Rosy Ram

Rosy’s interest in mortgage financing started in 2008 while assisting a high-volume broker. Within these two years of working with bank only mortgages, she began to explore other mortgage lending avenues. That’s when she met and joined Pip to help establish Freedom Capital. Over the years, her experience and knowledge for alternative private financing has grown immensely. She has become an integral part of the management team; assisting in the business development and day-to-day operations of the company.
Previously, Rosy had over 15 years of experience in records management working for several large corporations, including 10 years in the Oil and Gas industry. Rosy is currently a licensed mortgage broker and designated individual in BC, AB and ON. She also holds a degree in Business Administration with concentration in Entrepreneurial Leadership.
  • Principle Broker
  • Lic. No- M18000804

Sylvia Morelos

Sylvia started her career as an independent mortgage professional in 2009, focusing her business primarily on bank financing. She also worked for a private mortgage lender where she learned all about the alternative side of financing. In 2017 she joined the Freedom Capital team, allowing her to specialize as an alternative financing mortgage broker. Her priority is to properly present each mortgage and find the best suited solution for our clients while providing quick approvals and being informative along the way.

In prior years, Sylvia had her real estate license and worked for a large real estate marketing company where she assisted in numerous pre-sales of new developments. Sylvia is currently a licensed mortgage broker in BC, AB and ON. She holds a Bachelor’s degree in Psychology and is also fluent in Spanish.
  • Agent Level 2
  • Lic. No – M19001531
Senior Mortgage Specialist
Sylvia Morelos, Senior Mortgage Specialist
Freedom Capital
Kathy Nazar, Mortgage Specialist

Kathy Nazar

Kathy joined Freedom Capital in 2018, after a lengthy 15 year career in the hospitality management industry. She also has an education background in human resources. Her focus is to provide exceptional customer service while assisting the team on each file to ensure quick turnaround times.

Kathy is currently licensed broker in BC, AB and Ontario. She speaks conversationally in Vietnamese.

  • Agent Level 1
  • Lic. No – M22004026

Cecilia Hu

Cecilia has over 15 years of business development and administrative experience working in Canada and abroad. Previously she worked for a real estate development and investment company. She has developed a keen interest in the real estate and investment industry.

Cecilia speaks fluent Mandarin and basic Cantonese. 

Freedom Capital
Cecilia Hu, Mortgage Broker

Apply Online Now!

This is the fastest and easiest way to obtain money from income or credit history. Our unique process can approve your 2nd or 3rd mortgage in as little as 24 hours and apply online our lending specialists will walk you through every step
Freedom Capital

24 Hour

Freedom Capital

Less Document

Freedom Capital

No Credit Score Required


Can I get approved if I have low income and bad credit?

You absolutely can. We do not approve your mortgage request based on your credit score or net income. We simply look at Equity when approving your mortgage. It’s that simple.

I’m looking for the best rate, can you help?

If its rate your looking for, no need to pay us. Simply walk into your local bank. We are not looking to take your hard-earned money. Unlike other typical mortgage brokerages, they dabble in conventional, private and commercial deals. We call this the ‘Generalist’ approach. Why pay a broker to get you a bank mortgage? We are specialists in Alternative financing. If the bank declines you, we’ll be thrilled to help and provide a no obligation alternative.

Is there a limit on how much mortgage you can approve?

Whether it be a 50k mortgage or a 150M high-rise construction facility, over the years we have solidified our national lender relationships to provide whatever funding requirements you may have.

I am late on my mortgage payments, can you help?

We base all our mortgage on equity and not your income or credit score.  If you are late on your current mortgage payments, we can look at refinancing options and save your home from a potential demand/foreclosure.

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