Land Financing in Toronto

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Freedom Capital
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Land Financing in Toronto

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?

Purchasing land can be hard. With Freedom Capital by your side, you can get a land mortgage in Toronto that helps you go from unzoned to rezoned! At Freedom Capital, we provide borrowers with the unique solutions they need. Our team of expert professionals work hard to ensure you get a land mortgage in Toronto that checks all the boxes and has a seamless application process. Gone are the day when you have to wait weeks to get a mortgage! We can provide you land financing in Toronto for:
  • Purchasing raw land
  • Land servicing and utility cost coverage
  • Unrezoned land
  • Zoning or rezoning of a plot
  • Purchase of single-family or multi-family land parcels
Contact us today to get started with the land financing in Toronto you need!


Land loans are considered to be riskier than other types of mortgages or loans so lenders typically need a bigger down payment and seek to collect higher interest rates. This is because a bare lot is considered a riskier investment than a pre-existing property. Larger down payments ensure that the borrower has more equity in the property, making the lender’s investment more secure.

A land loan is used to buy bare plots of land such as a vacant lot or a small area. You can either construct on the land you bought, renovate it, rezone it, or keep it for future development.

To acquire land financing in Toronto borrowers usually need to have a minimum credit score of 660.

If you work with a bank or credit union you will likely have to go through credit checks and submit paperwork for weeks before your application is finally accepted, that is to say, you meet all of their stringent requirements.

However, with Freedom Capital land financing in Toronto can be made quick and easy! We believe in providing our borrowers with the financing they need without forcing them to undergo strict procedures. Contact us today to learn more about our streamlined methods!

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