Why Choose Freedom Capital for you mortgage financing needs?

Facing Health Issues, Divorce, Separation, Job Loss, Bankruptcy – Or JUST LIFE?

Banks declining you because you’re self employed, don’t have enough income or meet their qualifications?

Need Money for credit card bills, CRA debt, renovations?

Run out of options?

You Are Not alone

Our unique products cater to those borrowers who do not fit into today’s conventional financing box, to multi-million-dollar commercial and construction loans. 

Watch this short video from Pip Dhaliwal founder of FreedomCapital.com

Be sure to watch the till the end. 

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

How Freedom Capital Works

Not Sure how Freedom Capital can help you for your financial needs?

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Most frequent questions and answers
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.
Freedom Capital


#104 15272 Croydon Drive
Surrey. BC V3Z 0Z5
FICOM # X029834


300-840 6 Avenue SW Calgary,
AB T2P 3E5
RECA # 00419730


15 Allstate Parkway 6th Floor
Markham, ON, L3R 5B4
FSCO # 13025

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