What is it?

At Rala we provide a wide variety of services relating to mortgage and loans for people with bad credit. Our services range from securing personal loans to second mortgages.

Here at Rala, we are experts at identifying and securing loan opportunities for people struggling in the mortgage market. Talk to one of our staff members assist you more today.


 

Whether you’re a current business owner in need of extra funds to expand, or someone dreaming of becoming a small business owner, a commercial loan can make all of the difference. Rala Investments in North Vancouver can help you secure the funds necessary to make your business plans into a reality.

Rala Investments is an experienced mortgage brokerage, well versed in what is needed to find you the right Vancouver commercial loan. Not only do we have access to traditional lending markets, but we can also broaden our search scope to the private lending sector, which gives us a better chance of finding you options that will work for your situation.

Our Process

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.

Same Day Approval

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

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

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

No undisclosed lender’s finder fee

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

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.

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

Loan for starting a business with Bad Credit

John has spent the bulk of his working life in the transport sector. But he recently retrained so he could get a new job in manufacturing. The shift has been really positive for him, and his new experience has given him a business idea. John’s dream is to run his own company, so he started putting together a blueprint for his own small business.




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Frequently
Asked Questions

Can I get a mortgage with bad credit history?

We understand that when you have a poor credit history, looking for a mortgage can feel like a struggle. Getting a mortgage with a bad credit history can be hard to do when the majority of high street lenders are hesitant to understand an applicant’s individual circumstances, declining mortgages based on credit scores alone.

Our team at Rala strive to gain a fuller understanding of each applicant’s situation, making it possible to place them with lenders more likely to be the right fit. It also means that we can work with our clients to not only secure a mortgage but also provide professional advice to help a client improve their own financial situation.

Can i get a mortgage with current bad credit score ?

Having a current state of bad credit rating will still make you eligible to get a mortgage. Most banks wont issue a mortgage because they see your risk level to be high.

But we at Rala have a network of lenders who can issue mortgages to clients with a high risk factor. Your risk factor will affect your percentage of downpayment and the interest you pay for the lender.

Contact us today if you have a bad credit rating currently.

I have bad credit rating ,how do i find the best mortgage deal ?

You can still find the best mortgage deal while having a bad credit rating. Bad Credit increases your risk factor and can affect your mortgage rates.

We at Rala have a huge network of lenders accumulated through our many years in business, which makes it easy for us to quickly find the right lender for your case. We consider various factors before giving you the best mortgage deal.

I have recently filed for bankruptcy, can i still get a loan ?

Yes you can. It depends on the number of times you have filed for bankruptcy and how long ago you filed your last bankruptcy.

At Rala we have connections with several groups of lenders who can still give you a loan based on the conditions of your bankruptcy.

How does rala investments Ltd charge its clients ?

At Rala believe in Transparency & Honesty. We give straightforward, no non-sense solutions to our customers and help give you a clear idea of the solution. We only charge based on the risks associated with the loan agreement and based on the loan deal, not hidden finder's fees.

Difference between Mortgage Brokers And Lenders?

A mortgage broker acts as an intermediary between a lender and a borrower. In other words, they facilitate the transaction between you and your bank or mortgage lender.They take care of the legwork of searching for the best mortgage product and interest rate by utilizing their network of lenders and financial institutions. Lender is the entity who facilitates the funding for your mortgage or loan.

Why should i go to a Mortgage Broker first ?

Hiring a mortgage broker is one of the simplest parts of the home buying process, and yet, according to a survey by the Mortgage Professionals Association of Canada, 39% of first-time home buyers have a poor understanding of what brokers do and their role in the mortgage process. Once brokers’ services are explained, the likelihood of respondents to use one jump from 36% to 59% (and even higher as understanding increases). If you don’t know about the role that mortgage brokers play in the process of getting a mortgage, you could be leaving thousands of dollars on the table. Here are five reasons why you should use a mortgage broker – even if you’ve never heard of them before. 1. Lower Interest Rates 2. Accessibility 3. Experience 4. Convenience 5. Your Ally.

Consultation Form


Please do not hesitate to contact us by phone to discuss your situation. Rala Investments Ltd. provides first, second and third mortgages on all types of properties anywhere in British Columbia. We also arrange mortgages on partial interests in property. For a no obligation consultation, please call us today!

Consultation Form

Mortgage Calculator

Monthly Loan Calculator with Amortization schedule

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Canadian mortgage calculator with amortization schedule

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Talk to us ( 604-229-4899 )