Our Team

The people behind your file.

Founder

Ramin Hallaji

Senior Mortgage Broker & Founder · Licensed in BC · Also licensed in AB under DLC AIMI Collective Mortgage Group

Born in Iran and immigrated to Canada at age 15. After growing up in Saskatoon, Saskatchewan and spending many years in Northern Alberta, Ramin settled in BC — bringing a firsthand understanding of clients and markets across Western Canada. He is fully fluent in English and Farsi (Persian), and proudly serves the Iranian-Canadian community in Farsi (Persian) on request.

Ranked in the Top 5% of mortgage brokers nationwide with Dominion Lending Centres and recipient of the CMP Canada Rising Star Award (2022), Ramin specializes in complex, high-stakes mortgage structuring. To date he has funded 200+ mortgages totaling more than $150 million across BC and Alberta. Through the DLC Group of Companies — a national network that collectively originates more new mortgages than any bank, trust company, credit union, or mortgage company in Canada — he leverages scale and deep lender access to secure strategic solutions beyond conventional approvals.

He structures sophisticated solutions for complex self-employed & corporate income, high net-worth borrowers, CRA & other debt consolidation, bruised credit, alternative / B lending, private & second mortgages, reverse mortgages, rental portfolio financing, divorce buyouts, judgment & collection payouts, and physician & dentist specialty programs.

Working alongside accountants, financial planners, lawyers, and advisory professionals, Ramin also structures mortgages that support advanced strategies such as cash damming and the Smith Manoeuvre — aligning financing with broader tax and long-term wealth objectives.

Many of the files he handles are those traditional lenders decline. With access to major banks, credit unions, alternative lenders, and private lenders, the focus is ethical, strategic solutions when precision and creativity matter most. Beyond client work, Ramin actively mentors other mortgage brokers in complex structuring and long-term relationship building.

Above all, every file is a personal story — treated with respect, discretion, and care, whether the client is building wealth, rebuilding credit, or navigating a major life transition. Outside of work, Ramin is a proud husband and father of three children (and three pets) — a constant reminder of why smart financial decisions truly matter.

  • 1. 🌐 Global Best in Mortgage 2022 — Team Canada Rising Stars (Key Media, intl.)
  • 2. ⭐ CMP Rising Star of Canada 2022
  • ★ DLC Master Club 2025 — Top 5% of 4,000+ DLC brokers nationally
  • ★ DLC Diamond Award 2022 & 2023 — Top 5% of 4,000+ DLC brokers
  • ★ DLC Platinum Award 2021–2024 — Top 10% of 4,000+ DLC brokers
  • ★ DLC Top 50 Monthly Revenue 2022, 2023, 2024
  • ★ Industry mentor & public speaker
  • ★ Proud husband and father of three
Recognition — 2021 to Present

A consistent record
of excellence.

Every award reflects performance — not participation. Spanning several thousand active brokers across Canada.

2025
🏆 DLC Master Club — Top 5% of 4,000+ DLC brokers nationallyDLC Master Club Top 5% 2025
2024
Platinum Award — Top 10% of DLC brokersTop 50 Monthly RevenueTop Volume ProducerDLC Platinum Award 2024DLC Top 50 Monthly Revenue 2024
2023
💎 Diamond Award — Top 5% of DLC brokersPlatinum Award — Top 10% of DLC brokersTop 50 Monthly RevenueDLC Diamond Award 2023DLC Platinum Award 2023DLC Top 50 Monthly Revenue 2023
2022
🌍 Global Best in Mortgage — Team Canada Rising Stars⭐ CMP Rising Star of Canada💎 Diamond Award — Top 5% of DLC brokersPlatinum Award — Top 10% of DLC brokersTop 50 Monthly RevenueCMP Rising Star of Canada 2022DLC Diamond Award 2022DLC Platinum Award 2022DLC Top 50 Monthly Revenue 2022
2021
Platinum Award — Top 10% of DLC brokersDLC Platinum Award 2021

Note: In 2025, Dominion Lending Centres renamed its top-producer awards. The Master Club (2025+) is the successor to the former Diamond Award (2022–2024) — both recognize the Top 5% of 4,000+ DLC brokers nationally.

Industry Standing

Industry Recognition
& Authority.

Beyond awards — published, heard, and trusted across the Canadian mortgage industry.

📰
News Coverage

Featured in National Mortgage Press

Ramin has been profiled by Canadian Mortgage Professional magazine as a 2022 Rising Star of Canada, and by Global Best in Mortgage as part of Team Canada Rising Stars 2022 — recognition reserved for top emerging mortgage talent across Canada.

🎙️
Spotify Podcast

Mortgage Industry Podcast Host

Host of a mortgage industry podcast on Spotify covering complex file strategies, market insights, and practical advice for brokers and clients.

Listen on Spotify →
🎓
Industry Mentorship

Mentor to BC Mortgage Brokers

Ramin actively mentors mortgage brokers across BC on complex structuring, lender relationships, and building a values-driven practice. Mentorship inquiries welcome.

🎤
Public Speaking

Industry Speaker & Panelist

Speaks publicly within the mortgage industry on market strategy, complex file structuring, and ethical practice. Available for speaking engagements at industry events, chamber events, and professional gatherings.

🤝
Lender Endorsements

Endorsed by Major Canadian Lenders

Among 29+ verified LinkedIn recommendations, six are from Business Development Managers at major Canadian lenders — a rare distinction reflecting consistent performance and trusted professional relationships at the highest tier of the industry.

How we work

A win-win approach.

Long-term relationships, not transactions. The right mortgage today should still be the right mortgage three renewals from now — for you, your family, and the professionals around you.

🤝

Win-Win

Your outcome is the brief. Every recommendation is built so you come out materially ahead — not so a lender hits a quota or a commission gets maximized.

📈

Measurable upside

Sharper pricing, smarter structure, fewer surprises at renewal — the value has to show up on the page. Our growth is a byproduct of the math working in your favour.

🛡️

People before paper

Mortgages are personal before they are financial. Expect discretion, straight answers, and advice that holds up whether or not you sign — every file, every time.

Referral Partners

Built for professionals who
refer complex files.

⚖️

Accountants & Tax Advisors

Partners at MNP, BDO, and independent firms trust us with CRA debt, corporate income, self-employed structures, and Smith Manoeuvre implementations.

🏠

Top-Tier Realtors

Top 1% realtor teams and high-volume agents rely on us to close complex purchases and commercial transitions others can't fund.

📋

Trustees & Legal Counsel

Insolvency trustees, family lawyers, and estate practitioners refer clients navigating divorce buyouts, judgment payouts, and debt restructuring.

💼

Financial Planners

We structure mortgages aligned with long-term wealth strategies — cash damming, investment leveraging, and tax-efficient solutions.

🏥

Medical & Dental Professionals

Specialty programs for physicians and dentists — incorporated practice financing, new practice scenarios, and high-income structures.

🎤

Mentorship & Speaking

Ramin mentors mortgage brokers across BC on complex structuring and speaks publicly in the industry on market strategy and best practices.