Whatever your circumstances,
we’ll find the right loan for you


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About Us

Rala was founded in 1996 with a clear goal: to provide a real estate finance partner that is both trustworthy and resourceful. We stand out from other mortgage brokers because our final charge is tied to the quality of the loan deal we secure for our customers.

So if you’re looking for a home equity loan but can’t get approval from your bank, we are the people to speak to. We strive to ensure that every deal we make is as empowering and effortless as possible.


30+ Years In
Private Financing


Score Of
BBB A+


Established
in 1996


30+ Years In
To Mortgage


30+ Years In
Private Financing


Score Of
BBB A+


Established
in 1996


30+ Years In
To Mortgage

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30+ Years In
Private Financing


Score Of
BBB A+


Established
in 1996


30+ Years In
To Mortgage

Our Process

Our Main Services

Home Equity Loans

A home equity loan is a simple, one-off loan payment taken out against the value of your home. It’s a great way to finance renovations that will ultimately increase your home’s value.


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Second Mortgage

Taking-out a second mortgage can help you unlock the equity value in your home without having to sell it. It is particularly useful if you have a low rate on your first mortgage.


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Bad Credit Mortgage

If you’ve experienced financial problems in the past, you might have a poor credit rating. But through our huge network of lenders, we will find you a lender who understands your circumstances.


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Credit Repair

All sorts of things can damage your credit, from identity theft to unpaid college debt. But we can help you repair it by, for instance, disputing mistakes on your information made by credit agencies.


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About Allan & Vik

Allan has been a mortgage broker for over thirty years. He specializes in hard-to-place mortgages and provides other mortgage brokers with sources of private financing, both residential and commercial. Running a small independent brokerage allows Allan to avoid red tape and offer flexible solutions to his clients.

Allan’s main hobby is thoroughbred horse racing. He enjoys competing in handicapping contests and visiting racetracks throughout North America.

Vik Mann has been a mortgage broker at Rala Investments Ltd. since 2012. During his time at Rala, he has worked on and completed 1st, 2nd, and 3rd mortgages.

Vik has established key relationships with private lenders across BC over the last few years. In the tough environment of 2nd and 3rd mortgages, he’s been very successful in both commercial and residential markets. Vik worked in construction development prior to Rala; he has extensive knowledge and experience with construction-related dealings.

Our Guarantee

Same Day Approval

As soon as your loan is approved, we will ensure the money is transferred to your lawyer straight away so that you don’t face any unnecessary delays.

No Charge Until The Deal Is Done

Because we value our customers, you won’t face any charges until your loan agreement is fully approved and the loan is already on its way to your account.

Charge Based On Risk, Not Lender’s Fee

Unlike other mortgage brokers, who aren’t always completely upfront, our charge is based on the risk associated with your loan, not on any undeclared finder’s fees.

No Undisclosed Lender’s Finder Free

We offer a service that is totally transparent and, as far as possible, operates in consultation with you, which is why we will never impose undisclosed finder’s fees on you.

No Financial Product Up-Selling

Our approach to business is based on trust and integrity, so we won’t try to attach any financial products to your loan agreement that you don’t need.

Testmonials

Anna Myers

After having dealt with different mortgage brokers for my bad credit mortgage issues, I have to say Rala investments had the quickest and the easiest process to deal with. There was never the problem of them requesting documents repeatedly from me after every process. Everything was done in a single shot and I was given regular updates on the progress. The service was prompt and quick.

Their network of private lenders is pretty impressive. They also understand the situation before assessing the mortgage. I am very satisfied with the security Rala Investments has given me. I can definitely recommend them to anyone looking to get their mortgages or investments done.

John Alexander

Thank you Allan for helping me throughout my mortgage process. Your straight forward and balanced opinions gave me a sense of security and confidence. I also have to mention how quickly you responded to my queries and requests even on your days off. I will definitely recommend your service to my friends and family.

Case Studies

Same day car loan with bad credit

Lisa is a single mom in her late forties. She's looking to buy a small car to share with her daughter who is a student and starting to be more independent.

Lisa's financial situation is stable, she has been employed with the same company for over ten years. The problem is Lisa has bad credit because she has a case of bankruptcy.

Even though the bankruptcy was a long time ago, her bad credit history was making it difficult to find a loan for her new car. So she decided to contact Rala Investments.

How we helped

We demonstrated that Lisa's long term employment made her financial situation very stable.

We showed that Lisa's bad credit history was not as important as her current financial stability.

We at Rala were able to understand Lisa's risk by carefully evaluating her situation and through our vast network of private lenders, we were able to secure a car loan for her on the same day.

The Result

The strength of Lisa's current financial situation proved to be more important than her bad credit history in the end. Lisa was finally able to get the car she wanted.


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Loan for starting a business with Bad Credit

Alex has spent most of his professional life in the transport industry. Recently, he made a move into manufacturing. He has enjoyed the change in direction, his experience has given him a business idea. His real dream was to be his own boss, so he started making plans to build a small business.

His plan was to start small, building the business on the weekends and in his spare time. Ideally, he wanted to build his business within twelve months.

Alex wanted to get some equipment for his business. Unfortunately, he was unable to get a loan to buy his equipment because of his bad credit history with credit cards and previous defaults. So Alex turned out to Rala Investments to aid with his loan.

How we helped

We were able to find a rental contract that matched his business goals.

We demonstrated his ability to meet the contract terms from his monthly salary.

The Result

Rala was able to secure a good loan deal through our vast network of private lenders who were able to understand the risk associated with Alex's situation.

Alex was able to obtain the equipment he needed to build his business.


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Tips & Strategies

21 June 2018

Business Loan with a Bad Credit


Bad Credit Business Loan

Business Loan with a Bad Credit

Alex has spent most of his professional life in the transport industry. Recently, he made a move into manufacturing. He
21 June 2018

Same day Car Loan with a Bad Credit.


Bad Credit Car Loan

Same day Car Loan with a Bad Credit.

Lisa is a single mom in her late forties. She’s looking to buy a small car to share with her
19 June 2018

Things You Must Know Before You Buy Rental Property


Things You Must Know Before You Buy Rental Property

Before you buy a rental property, consider three things: the expected amount of rental income, the annual expenses you will

Finding The Right Loan For You


Being rejected by mainstream lenders doesn’t mean you should be deprived of a loan that meets your needs



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