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You Can Still Receive a Mortgage on Bad Credit in Vancouver

Get a Mortgage—Even with Bad Credit—with our North Vancouver Brokers

If you have bad credit, you may feel like you’ll never be able to afford the family home of your dreams. But at Rala Investments Ltd., we have helped homeowners with a range of credit.


It's not impossible to solve bad credit via a mortgage broker in North Vancouver. You just need to know your options.


Explore Options That Don’t Depend on Your Credit

Many people assume that they will be denied a mortgage on bad credit in Vancouver no matter what their own individual situation may be. At Rala Investments Ltd., we know that a credit score does not define a person. You do have options, but the most important thing for you is to be informed. Make sure you know your credit score before you apply for a mortgage. If you have a beacon score of less than 600, some mortgage providers may turn you down. Before you apply, request a copy of your Equifax® credit report and refute any incorrect charges.


If you meet either of the following criteria, our brokers may be able to help you get a mortgage with manageable terms, no matter your credit rating:


  • You have stable employment – your credit score does not always accurately reflect your current situation. Maybe you had trouble finding a well-paying job after you completed your education. Maybe you were involved in an accident that produced unruly medical bills. If you are steadily employed and are working towards improving your credit, that should count for something and you should still be able to get a mortgage on bad credit in Vancouver.
  • You have property equity – currently owning property can go a long way towards allowing you to obtain a mortgage on bad credit in Vancouver. There is not much better collateral than a home. If you own a home or other property, even with bad credit, you should be able to use those as equity for a new mortgage.


Don’t be resigned to the idea that you will not be able to obtain a mortgage on bad credit in Vancouver. Even if you are currently unemployed or are in a low-earning job, we still may be able to help you get a mortgage.


Partner with Our Brokers

Financial struggles can be embarrassing and overwhelming, but you don’t have to deal with them on your own. Our brokers have helped hundreds of homeowners with less than ideal credit afford their new home. We can help you consider your options, qualify for a mortgage and improve your credit over time.


Once you see an improved credit rating, take advantage of prime mortgage rates when you refinance with one of our brokers. Our brokers are also available to help homeowners consolidate their debts.


Don’t let your credit history determine you and your family’s future. Come to the brokers at Rala Investments Ltd. to find out how you can get the mortgage you need to buy your new home.


For help securing a mortgage, even with bad credit, call our North Vancouver team a 604-732-5865 or toll free at 1-866-732-5865.

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Rala Investments Ltd

1200 Lynn Valley Road Suite #301

North Vancouver, BC, V7J 2A2

Phone: 604-732-5865

Toll free: 1-866-732-5865

Vik Mann’s cell: 778-987-9006

Fax: 604-732-5893

Opening Hours

Monday – Friday: 9:00 AM - 5:00 PM

North Vancouver mortgage broker proudly providing a variety of mortgages, loans, and other financial assistance to the following areas in the Lower Mainland:


North Vancouver | West Vancouver | Vancouver | Burnaby | Langley | Coquitlam | Delta | Surrey | Richmond | New Westminster | Port Moody | Maple Ridge | Abbotsford | Cloverdale

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