Our core focus is to deliver fast and easy access to money, even in the most challenging cases. We have access to products that range from first and second mortgages for those borrowers who do not fit into today’s conventional financing box to multimillion-dollar commercial and construction loans.

Our Story

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 specialists 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.

We collaborate as a 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.

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.

Telephone: (+1) 604-830-7080

Email: pip@freedomcapital.com

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.

Telephone: (+1) 604-616-7185

Email: rosy@freedomcapital.com

Sylvia Morelos

Sylvia started her career as an independent mortgage broker 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.

Telephone: (+1) 604-349-5868

Email: sylvia@freedomcapital.com

Kathy Nazar

Kathy is our licensed mortgage administrative specialist. She brings over 15 years of experience in hospitality management with an education 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 a licensed mortgage broker in BC and working towards obtaining her license in AB and ON. She speaks conversationally in Vietnamese.

Telephone: (+1) 604-781-1459

Email: kathy@freedomcapital.com


Do you have bad credit, low income, over-leveraged, or looking for solutions outside the conventional lending box? Are you tired of the bank bureaucracy, politics or games? With the marketplace changing and the bank’s rules becoming more stringent, it is extremely difficult working with the traditional banking solutions and it is not for everyone.

Whatever the case there is an alternative here for you!