Land Financing in BC

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Land Financing in BC

When looking at purchasing land, financing should be one of your top considerations. With the right land mortgage in BC, you can seamlessly fund the purchase, development and/or construction of your parcel. When looking at financing, some lenders have hurdles to jump through for unzoned or rezoned parcels. We can help with:

Banks and financial institutions have limited mortgage options catering to vacant and raw land. If you are a land mortgage borrower in BC outside of the conventional lending box, an option is to acquire the funds you need via private financing.

Private land mortgage lenders offer custom solutions and higher loan to value amounts than banks. We work hard to ensure we have the best possible solution for every client. Are you looking to go from unzoned to rezoned? If so, Freedom Capital is the lender 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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Freedom Capital’s Unique Solutions For Borrowers in BC

Land loans are different from other mortgages. If you approach a typical lending institution, chances are your land financing needs will not be satisfied. This is because most lenders and banks offer basic land mortgages. At Freedom Capital, we provide land mortgages in BC for:

Freedom Capital strives to aid land borrowers across Canada with our unique and custom mortgage offerings. If you are looking for a mortgage that checks all the boxes and is easy to meet, Freedom Capital is here to help!


With a land mortgage, you can finance:

  • Raw land
  • Vacant land
  • Improved land
  • Unimproved land 

Raw land is usually the most challenging land to finance in British Columbia. This is because banks and other financial institutions consider it risky and refuse to offer a raw land mortgage in BC.

If you are looking for finances to purchase land and construct on it, a land and construction loan should be your go-to. With a land and construction loan, you can fund the purchase of your parcel and have enough funds remaining to construct your desired real estate.

There are several ways to fund a land purchase in Canada. You can opt for land loans, a line of credit, HELOC, construction mortgage, personal loan, or seller financing. The financing you choose should depend on the funds you need, the reason behind your purchase, and your plans for the land. However, if you are looking for a mortgage on bare land in BC, a land mortgage is your best bet.

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