This is what Freedom Capital whole philosophy is based on. We DO the deals that the banks DO NOT do.

Banks approve loans based on two major factors, A: your credit score and B: your net income. If your credit score isn’t at 680 and your income high enough to debt service your mortgage and your other credit facilities, you will NOT get approved. “You are not a number to us”! We take the common sense approach in approving your loan. No red tape, no waiting for weeks. We simply require the equity and we will provide you with a viable, no obligation option.

Let’s compare apples to apples. If the bank has declined you, then NO, we are not more expensive. We are providing you with a solution. We are not paid on rate. We work hard to get the best possible terms in the market. The lower rates are only available from the banks. We strongly recommend you contact your local bank and see if you can get an approved. If for any reason you get declined, we can help! If the bank is not giving you money, then no, we are not more expensive. We take pride in providing viable options for a purchase or a refinance. We are solutions provider. We can help get you started in Real Estate rather than a straight NO from your local bank.

We absolutely do! We thrive to be experts in this field. With lower equity requirements, flexible draw schedules and with up to 85% Loan to Cost ratios, developers are thriving on their projects.

Absolutely! Unlike the banks who requires your down payment to be in your account for 90 days, we can leverage the equity you have in other real estate assets and potentially approve you for up to 100% of your transaction.

Freedom Capital has one of the fastest turnaround times in the industry. Subject to the type of mortgage you are applying for, we can potentially have an approval in 24 hours.

When the banks have declined you for whatever reason you then at least have an option. May it be bad credit, low income, new to Canada or any other reason, we can help with an alternative solution to help you get into the real estate world. Once you have met the banks criteria, simply go and refinance. Why wait and pay rent when we can provide alternative viable options.