Construction Mortgage in Surrey

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About Construction Financing in Surrey

A construction mortgage in Surrey BC can help individuals move their projects forward in their construction. Start your project off right by choosing a good an experienced lender, ideal mortgage terms and great construction mortgage rates in Surrey.

If you can relate to these scenarios, you've come to the right place! With Freedom Capital, our borrowers receive custom-tailored commercial financing solutions and quick approvals.

Isabella Flores
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Freedom Capital Team is one of the most amazing mortgage brokers that I have work with, the level of service they provide is outstanding. The team is very professional and were able to answer all of my client questions. Very responsive and acted fast on a mortgage that need it to get approved fast. Highly recommend working with Freedom Capital. Thanks Pip, Sylvia and Kathy
RSB Developments Ltd
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Positive: Professionalism, Quality, Responsiveness, Value Pip and his dedicated team at Freedom Capital went above and beyond for us. We gave them a challenge of getting approval for us within 24 hrs and they were able to do it! I am so appreciative of Pip and his team for taking the time to not only help us understand the process but get it done Quickly! It was easy to see that Pip really values his clients and their best interests. We would work with Pip and his team in the future!
Kim Vo
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I am very happy to have worked with Pip, Sylvia, Rosy, Kathy on my recent mortgage fund. Especially Kathy and Rosy with constant follow-ups and conversations with me all along the application until funding date. Rosy has guided me through the process which I needed. I understand it must be a whole team effort, a lot of work must have occurred behind the phone line in which me the client might not be able to see after I hang up conversing over the phone. They have worked diligently to bring satisfaction serving their clients. I truly appreciate and grateful to deal with Freedom Capital!
John Vranic
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I have worked with many private lenders in the past and I must say that Rosy Ram was the one of the best people to deal with. To top it off my situation was extremely difficult and had many layers to it. After submitting documents that Rosy required she was able to get me a deal quite quickly. I was pleasantly surprised how professional and efficiently she worked. Many other lenders will promise you deals, string you along only to fall short in the end. All the terms, conditions and rates were very reasonable in light of my situation as well. Looking forward to doing more business with Freedom Capital!
AMIR Rahimtula
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Pip Dhaliwal and The Freedom Capital Team are top producers in the mortgage game. Time after time they come forward effectively, efficiently with experience that counts and competitive results! As commercial developer we trust Pip and his team when they say they will get it done! They think outside the box and deal size never matters with Freedom Capital, they have knowledge and relationships with credible financiers to make our 106 unit condo project a reality and help Transnat Properties provide affordable homes to the public.
Gregory Hilman
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We had another broker working on our deal for over three months, and the service was very disappointing... Then we called Pip for a competitive assessment, he made the deal in less than 2 weeks, and it was 3 x what the other lenders were offering. We even got open terms and better interest rate than we expected. Fantastic service and A very reputable lender… We would never go to another broker again!! 5 STARS!!

Client Testimonials

Not Sure how Freedom Capital can help you for your mortgage options?

Fill out this quick questionnaire to get mortgage options for your next commercial purchase or refinance.

Why Should You Choose Freedom Capital?

At Freedom Capital, we look beyond the numbers to understand our client’s needs. Our private alternative mortgage brokerage firm caters to everyone and helps borrowers acquire quick and easy financing in as little as 24 hours*.

Our team has over 30 years of experience in the construction and development industry. We can be your trusted advisor for all your construction needs.
Are you looking to take advantage of:
Surrey Developers often purchase land that has the potential or are slated to be zoned as multi-family. Our lenders take into account the potential of the property and any equity you built while rezoning. They also take into consideration all the costs associated with rezoning and servicing the property. We work with our lenders to provide financing based on the market value of the property and lending on not only hard costs but also the soft costs associated with construction.
Yes. You can fund various purchases with a construction mortgage, including the purchase of land. Or take advantage of the land lift you achieved when rezoning.

Construction mortgages work in draws. Draws are payments made by the lender in instalments and are typically issued after the completion of a milestone. For example, a draw may be issued once the foundation is laid. The borrower, builder and lender usually settle on a draw schedule before the loan begins. 

A Typical Draw schedule is:  

  • Lock up – 50% Completion
  • Drywall – 70% Completion
  • Finishing – 90% Completion
  • Occupancy – 100% Completion


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