Construction Mortgage in Toronto

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Are you looking for a construction mortgage in Toronto outside the conventional lending box?

If any of these situations sound familiar, then Freedom Capital should be your go-to! At Freedom Capital, we create custom solutions for every borrower. Unlike banks and other lending institutions, we strive to provide you with the quick and easy approvals and sufficient financing you need.

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

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Why Freedom Capital?

Are you looking for a construction mortgage in Toronto that can help you:

  • Get Higher Loan to Costs (up to 100%)
  • Encounter Less Equity Injection
  • Incur Less Presale Requirements
  • Build Multiple Projects
  • Take Advantage of Land Lift Equity
  • Get Funds for Rezoning or Servicing Costs

At Freedom Capital, we offer a number of different construction financing in Toronto. Whether you are a builder, contractor or purchaser, Freedom Capital has the right solution for you. We can help you finance the money you need to purchase a property and/or cover the costs of construction so you can build the home of your dreams.

We will be there for you every step of the way and give you the quick and easy financing you need. With Freedom Capital, you can create your dream home hassle-free.


Construction loans are used to fund the construction of custom residences. They come with higher rates and a draw schedule that allows you to receive parts of your mortgage once you complete a certain milestone in the construction.

You can generally borrow up to 75% of your project expenses with a traditional self-build mortgage, but with Freedom Capital, you can borrow up to 85% of your project costs, 90% if you already own your plot, and up to 80% of the estimated end value of your new house.

Construction loans are more difficult to qualify for than traditional purchase loans. Since the property hasn’t been built yet, lenders consider these loans to be riskier. When compared to a standard mortgage, construction mortgages often require a greater down payment and have higher interest rates.

With construction financing in Toronto you can borrow money to purchase the land on which you intend to build as well as to finance the construction of the property.

A construction draw schedule outlines the distribution of construction draws. Construction draw schedules can be based on specific milestones, such as when the foundation or roof are finished, or on a proportion of the whole home that has been completed.

Building your own home can be an exciting experience, but it is also costly. A construction mortgage in Toronto allows you to cover the expenses of your build and comfortably purchase, construct, and lease your dream home. 

A construction mortgage in Toronto takes the guesswork out of funding your project. At Freedom Capital, we provide no-obligation expert guidance. We take the time to learn about your project and match you with the proper construction loan that fits your needs. We can organise a loan to give you the finances you need, whether you are starting to build your home or require funding to finish it. We’ll be there for you every step of the way.

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