Home Equity Loans | Rala Investments Ltd. - Honest, Fair & Transparent

What is Home Equity Loans?

Home equity loans are really straightforward. They provide you with a mortgage based on the value of the property you own. They are often the easiest kinds of loans to qualify for. However, if you have very a poor credit history, you may find mainstream lenders are reluctant to lend to you, out of fear that you won’t be able to service your debt.

The point of a home equity loan is that your home is offered as collateral to the lenders, which gives lenders a mechanism for managing their risk. Home equity loans tend to require significant documentation, and most mainstream lenders set strict minimum requirements that make gaining access to credit difficult, even if your home has increased in value since you initially purchased it. Lenders do this in order to safeguard themselves against a customer’s inability to pay back debt.

A home equity loan will usually involve the borrower being given a sizeable cash lump sum upfront. This can be used for any number of things; to renovate a property, install a new roof if it's beyond repairable, start a business, or finance a personal project, for instance. It’s important to remember that, however much you need a new mortgage, you should only ever borrow what you need. This will protect you against foreclosure.

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


Our Process

Our Guarantee

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.


Sharon G.

A satisfied client with our Bad Credit Home Equity Loan Service

Allan has been overwhelmingly supportive and hardworking through our refinancing. We had a business and it left us with quite a bit of debt and we are now in the regrowth phase. Allan was able to work some magic to get us approved for a bad credit home equity loan to lead us back on track! We can't thank you enough. Kudo to Allan from Rala Investments Ltd!

Conor S.

A satisfied client with our Bad Credit Home Equity Loan Service

Allan Sadler worked with me to get me approved and I cannot say how grateful I am for his assistance. He helped me along the way when I applied for the bad credit home equity loan by answering all my questions and he got me a very competitive rate. I highly recommend Allan and Rala Investments Ltd.

Ruari D.

A satisfied client with our Bad Credit Home Equity Loan Service

Rala Investments Ltd. was able to help me in more ways then they can imagine. A single mom of 3 boys, life can get expensive and bills catch up with us very fast. They helped me regain financial relief and a stepping stone to building a much better future for my children and I. I recommend them 100% fast, reliable and dedicated to helping when I need to apply for a bad credit home equity loan. Thank you, Allan, your help is just what we need!

Brady N.

A satisfied client with our Bad Credit Home Equity Loan Service

My experience with Rala Investments Ltd. was nothing short of excellent! Allan Sadler commented on one of our calls “Rala Investments- we are your friend” and they truly are. He did everything he could do to help and to make sure the application process for the bad credit home equity loan went as smoothly as possible. Thank you, Allan!

Rabia F.

A satisfied client with our Bad Credit Home Equity Loan Service

Our broker at Rala Investments Ltd., Allan Sadler, has been more than extremely helpful in guiding me and my husband in this process for applying for a bad credit home equity loan. He has always been available to answer questions and has worked diligently to get us the best rate we qualify for. Both my husband and I have been very happy with his service and would use Allan and Rala Investments again.

Etienne W.

A satisfied client with our Bad Credit Home Equity Loan Service

My wife and I have recently had dealings with Allan Sadler, a mortgage broker from Rala Investments Ltd. and we highly recommend his services. We found his communication skills to be above and beyond, always responding promptly with clear communication. Thank you, Allan, without your assistance, our bad credit home equity loan will never be approved. We appreciate your time!

Bayley P.

A satisfied client with our Bad Credit Home Equity Loan Service

These guys are amazing. Our deal was extremely difficult and frustrating which involved a bad credit home equity loan. It seemed at times that it would never get done, but Allan was able to get everything sorted out professionally and with humor. We can't thank them enough. They are highly, highly recommended for any mortgage, simple or otherwise. We will be back and things will run much smoother next time! Thanks, Allan your team in Rala Investments, you rock!

Kelsey M.

A satisfied client with our Bad Credit Home Equity Loan Service

We recently worked with Allan and we cannot say enough about how great he was! He listened to us and always kept us informed about what was going on. He was there for any and all questions we may have had while we apply for the bad credit home equity loan, and we truly appreciated it. We would definitely recommend this Rala Investments Ltd. and specifically Allan, and will be working with them for any future needs. Thank you!

Clementine T.

A satisfied client with our Bad Credit Home Equity Loan Service

The Rala Investments team is one comprised of professionals who work hard and smart; a rare combination amongst a sea of mortgage agents and brokers. They’re a genuine pleasure to deal with, understand the complex intricacies of finance, real estate, and mortgage rules and somehow make the entire bad credit home equity loan application process fun and stress-free.

Liyana S.

A satisfied client with our Bad Credit Home Equity Loan Service

It was a complete pleasure working with Allan from Rala Investments Ltd. He was a real help when I needed to apply for a bad credit home equity loan & he is a very attentive person Who adds a human touch to his negotiations. I would recommend Rala Investment to anyone who needs assistance with. Whatever they're financial needs are its a real 5-star corporation. With a real 5 Star employee. Thanks again for all your help!

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.

Read More
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Asked Questions

Can I get a mortgage with bad credit history?

It can be very difficult to find a mortgage with a poor credit history. The reason for this is that the majority of mainstream lenders make little effort to understand an applicant’s unique circumstances, so they will deny a mortgage application based on credit scores alone.

At Rala, we make a concerted effort to understand the specific circumstances of each applicant, which allows us to set our customers up with lenders who are likely to be much more open to authorising a loan request. The result is that our clients not only secure access to finance but benefit from the professional advice we can provide regarding their financial situation.

Can I get a mortgage with current bad credit score?

A poor credit rating doesn’t stop you from getting a mortgage. Mainstream banks won’t grant you a mortgage because they believe your risk level is too high.

But here at Rala, we have built up a big network of lenders who will facilitate a loan for you regardless of your credit history. Your credit rating will affect the size of your downpayment, as well as the interest you pay to the lender. Contact us now if you have a bad credit rating but are looking of a loan.

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

It’s not just that you can still get a mortgage deal with a bad credit rating, you can still get a good mortgage deal with a bad credit rating. It’s true that a bad credit score will hike your risk factor and can affect your mortgage rates.

But here at Rala, we have developed such a wide network of lenders as a result of our many years in the industry, that we'll quickly find the right lender for your case. The key to our success is assessing a whole variety of factors before finding our clients the best mortgage deal.

How does Rala charge its clients?

Rala has a total commitment to transparency and honesty. We will provide straightforward, simple solutions to our customers, designed to provide you with a clear remedy to your problem.

We only charge based on the risks associated with the loan agreement and based on the loan deal. We won’t hit you with hidden finder's fees.

What’s the difference between mortgage brokers and lenders?

A mortgage broker acts as the go-between for a lender and a borrower, meaning they facilitate agreements between you and your bank or mortgage lender. They also do the legwork of searching for the best mortgage product and interest rate for you. The lender provides the funding for your loan.

Why should I go to a mortgage broker first?

According to one study, 39 per cent of first-time home buyers don’t understand what brokers do. However, there are good reasons to contact a broker before you attempt to buy a house.

Mortgage brokers simplify the home buying process and help ensure that you don’t spend large amounts of money for no good reason. Mortgage brokers will help you get lower interest rates, improve your access to loans, give you the benefit of their experience, and always work on your side.

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!

    Talk to us ( 604-229-4899 )
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