Legal & Licensing

Licensing, disclosures & compliance.

Transparent licensing information for the brokerage and broker you're working with.

British Columbia

Ramin Hallaji-Dezfouli

For British Columbia files, Ramin Hallaji-Dezfouli is licensed under his own brokerage, Mortgage Guru Financial, powered by DLC AIMI Collective Mortgage Group.

Broker: Ramin Hallaji-Dezfouli
Broker licence: BCFSA 504375
Brokerage: Mortgage Guru Financial Inc.
Brokerage licence: BCFSA MBX604269
Doing business as: Mortgage Guru Financial, powered by DLC AIMI Collective Mortgage Group
Regulator: BC Financial Services Authority (BCFSA)
Network: Dominion Lending Centres (DLC)
Head office: Coquitlam, BC

BCFSA Verified — check the public registry

Mortgage Guru Financial Inc. — brokerage registration →Legal name: Mortgage Guru Financial Inc. On the BCFSA registry the licence appears under the DLC AIMI operating name “Dominion Lending Centres Aimi Collective - Mortgage Guru”. Ramin Hallaji-Dezfouli is the Designated Individual.
Ramin Hallaji-Dezfouli — submortgage broker registration →

Alberta

Ramin Hallaji-Dezfouli

For Alberta files, Ramin Hallaji-Dezfouli is licensed under Dominion Lending Centres A.I.M.I. Collective Mortgage Group. Alberta mortgage business is transacted through that brokerage.

Broker: Ramin Hallaji-Dezfouli
Broker licence: RECA CON-00117425
Licence class: Associate (Mortgage)
Brokerage: Dominion Lending Centres A.I.M.I. Collective Mortgage Group
Brokerage legal name: A.T.S.A.I.M.I. Collective Inc.
Regulator: Real Estate Council of Alberta (RECA)
Network: Dominion Lending Centres (DLC)

RECA Licensed — check the public registry

Dominion Lending Centres A.I.M.I. Collective Mortgage Group — brokerage registration →On the RECA registry the brokerage appears under its legal name, A.T.S.A.I.M.I. Collective Inc., operating as Dominion Lending Centres A.I.M.I. Collective Mortgage Group.
Ramin Hallaji-Dezfouli — associate (mortgage) registration →

Ontario

Co-brokered — DLC AIMI Collective

For Ontario files, Ramin Hallaji-Dezfouli works on a co-brokered basis with a licensed Ontario agent at DLC AIMI Collective Mortgage Group (FSRA #13717). The file is placed and funded under Ontario licensing while Ramin structures the deal, manages lender strategy, and stays fully involved from application to funding.

Arrangement: Co-brokered (Ramin fully involved)
Brokerage (ON): DLC AIMI Collective Mortgage Group
Licence: FSRA #13717
Regulator: Financial Services Regulatory Authority of Ontario (FSRA)
Network: Dominion Lending Centres (DLC)

Saskatchewan

Co-brokered — licensed SK brokerage

For Saskatchewan files, Ramin Hallaji-Dezfouli works on a co-brokered basis with a licensed Saskatchewan mortgage brokerage. They place and fund your file under local Saskatchewan licensing while Ramin structures the deal, manages lender strategy, and stays fully involved start to finish.

Arrangement: Co-brokered (Ramin fully involved)
Brokerage (SK): Licensed Saskatchewan brokerage — named in your engagement letter
Regulator: Financial and Consumer Affairs Authority of Saskatchewan (FCAA)

United States

Not licensed — placed with U.S. lending partners

Neither Mortgage Guru Financial nor Ramin Hallaji-Dezfouli holds a mortgage licence in the United States, and no U.S. licence is claimed anywhere on this site. U.S. files are placed with our two U.S. lending relationships — one broker-channel program and one direct lender — who underwrite, approve and fund under their own licensing. Ramin introduces the file and stays involved through closing.

The property must have a rental component. We arrange U.S. financing on residential and commercial property that is rented, or that is owner-occupied with a rental component. A U.S. property bought purely for personal use is outside what these relationships fund.

Licensing: None held in the U.S. — the U.S. lender is the licensed party
Property: Residential or commercial, with a rental component (rented, or owner-occupied plus rental)
Relationships: One broker-channel program and one direct lender — not named here, as their materials are broker-only
Also note: U.S. purchases carry tax consequences (ownership structure, FIRPTA, U.S. estate tax) — take U.S. tax and legal advice before closing

Which entity handles my file?

Property in British Columbia: file is brokered through Mortgage Guru Financial, powered by DLC AIMI Collective Mortgage Group, with Ramin Hallaji-Dezfouli as your broker.
Property in Alberta: file is brokered through DLC AIMI Collective Mortgage Group (AB), with Ramin Hallaji-Dezfouli as your broker.
Property in Ontario: file is co-brokered with a licensed Ontario agent at DLC AIMI Collective Mortgage Group (FSRA #13717) — they hold the Ontario licence while Ramin structures and manages your file throughout.
Property in Saskatchewan: file is co-brokered with a licensed Saskatchewan brokerage (named in your engagement letter) — they place and fund under Saskatchewan licensing while Ramin structures and manages your file throughout.
Cross-border or out-of-province scenarios: we'll confirm the correct licensed entity in writing before any application is submitted.

Disclosures

Each Dominion Lending Centres office is independently owned and operated. Mortgage Guru Financial Inc. and DLC AIMI Collective Mortgage Group are separate brokerages.

Ontario and Saskatchewan files are handled on a co-brokered basis: a locally licensed brokerage places and funds the file under the applicable provincial licence while Ramin Hallaji-Dezfouli structures the deal, manages lender strategy, and stays fully involved throughout. The co-brokering brokerage is named in your engagement letter before any application is submitted.

All mortgage approvals are subject to lender underwriting, property appraisal, income verification, and credit review. Rates and product availability are subject to change without notice. E.&O.E.

For complaints or regulatory inquiries, please first contact DLC AIMI Collective Mortgage Group at office@aimicollective.com. You may also contact the BC Financial Services Authority (bcfsa.ca) for BC files, the Real Estate Council of Alberta (reca.ca) for AB files, the Financial Services Regulatory Authority of Ontario (fsrao.ca) for ON files, or the Financial and Consumer Affairs Authority of Saskatchewan (fcaa.gov.sk.ca) for SK files.

Copyright & Intellectual Property

All content on this website — including but not limited to text, copy, articles, case studies, client testimonials, graphics, logos, icons, images, photographs, videos, audio, podcasts, infographics, calculators, code, page layouts, and overall site design — is the exclusive property of Mortgage Guru Financial Inc. and/or Ramin Hallaji-Dezfouli, or is used with permission from the rightful owner, and is protected by Canadian and international copyright, trademark, and intellectual property laws.

No part of this website may be reproduced, copied, republished, downloaded, posted, scraped, transmitted, distributed, modified, sold, or used to train any machine learning or generative AI model, in whole or in part, by any means or in any form, without the prior express written consent of Mortgage Guru Financial Inc.

"Mortgage Guru Financial Inc.," the Mortgage Guru Financial Inc. logo, and related brand marks are trademarks of Mortgage Guru Financial Inc. "Dominion Lending Centres," "DLC," and "DLC AIMI Collective Mortgage Group" are trademarks of their respective owners and are used here for identification purposes only.

Unauthorized use, reproduction, or distribution of any content on this site may result in civil and/or criminal penalties and will be prosecuted to the fullest extent permitted by law. To request permission to use any content, contact ramin@mortgageguru.ca.

No Advice · No Warranty

Ramin Hallaji-Dezfouli is a licensed mortgage broker in British Columbia and Alberta, and mortgage advice provided directly as part of a brokered file is given in that capacity. Outside of that scope, the information on this website is provided for general informational purposes only and does not constitute legal, tax, accounting, or investment advice. For those matters, you should consult an appropriately licensed professional (lawyer, accountant, tax advisor, or investment advisor) before acting.

While we make reasonable efforts to keep the information accurate and up to date, Mortgage Guru Financial Inc. makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the website or the information, products, services, or related graphics contained on the website. Any reliance you place on such information is strictly at your own risk.

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Ramin Hallaji, Principal, licensed in British Columbia (BCFSA) and Alberta (RECA) — a private-client desk of Mortgage Guru Financial, Dominion Lending Centres Group · 778-879-6768 · ramin@privatewealthfinancing.ca · Legal & licensing · Privacy policy

Private Wealth Financing is a private-client mortgage desk of Mortgage Guru Financial, operating within the Dominion Lending Centres Group of Companies. We arrange mortgage financing only; we do not provide investment, tax, or legal advice. All financing is subject to lender approval, verification, and property valuation.