Clinton sits where the Cariboo Wagon Road once brought gold rush fortune-seekers north, and that frontier spirit still defines this community of 568 residents. The town earned its nickname as the “Guest Ranch Capital of British Columbia” — a title that speaks to both its Western heritage and its knack for welcoming visitors seeking authentic ranch experiences.
The numbers tell an interesting story about Clinton’s evolution. With a median age of 58.8 years and 36% of residents over 65, this isn’t a community chasing the latest trends. Instead, it’s attracting people who value wide-open spaces, genuine community connections, and the kind of peace that comes from living somewhere you can actually see the stars at night. The housing market reflects this preference for space and privacy, with 86% of homes being single-detached houses spread across the rolling grasslands.
Climate change has been surprisingly kind to Clinton. The area has warmed by nearly 28% over recent decades, extending the growing season and making those harsh Interior winters a bit more manageable. This shift has opened new opportunities for agriculture and made the area more appealing to retirees escaping urban stress.
The local economy runs on agriculture, retail trade, and construction — industries that benefit from Clinton’s position as a service hub for surrounding ranches and rural properties. While the median household income of $48,000 reflects rural realities, property values remain accessible for buyers seeking acreage and privacy.
For mortgage brokers working with clients who dream of ranch life or rural retirement, Clinton represents a unique opportunity. The guest ranch industry creates a steady stream of visitors who sometimes decide to stay permanently. Tekamar offers mortgage products in Clinton with a maximum LTV of 50%, recognizing both the community’s charm and the practical considerations of rural lending.
the Nearest Tim Hortons
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Our Mortgage Products Available in Clinton
| Mortgage Product Name | Max LTV | Key Notes for Clinton |
|---|---|---|
| Credit Repair and Debt Consolidation | 50.0% | Standard product terms |
| Variable Income | 50.0% | Standard product terms |
| Bare Land and Unique Properties | 50.0% | Standard product terms |
| Bridge Financing/Fully Open Term | 50.0% | Standard product terms |
| Equity Lending | 50.0% | Standard product terms |
| Purchases | 50.0% | Standard product terms |
Detailed Mortgage Product Information
Credit Repair and Debt Consolidation
Maximum Loan-to-Value (LTV) for Credit Repair and Debt Consolidation in Clinton:
50.0 %
“Their credit report reads like a horror novel, but the house was just renovated and is worth a lot…”
Here’s what happens when life takes a wrong turn. A bad business venture. Workplace Injury. That divorce that dragged on for two years. Suddenly your credit score looks like a batting average and the banks won’t even return your calls.
But here’s the thing – none of that changes what your ho...
Variable Income
Maximum Loan-to-Value (LTV) for Variable Income in Clinton:
50.0 %
“Their income is all over the map, but there’s definitely income…”
Here’s a funny thing about lending based on Line 15000 of your Notice of Assessment: It’s a neat little box to underwrite against. Works great if you’re a salaried employee. Not so great if you’re running a fishing charter in Campbell River where thres fishing season, and the rest of the year.
We get it. Income isn’t always ti...
Bare Land and Unique Properties
Maximum Loan-to-Value (LTV) for Bare Land and Unique Properties in Clinton:
50.0 %
“The appraisal came back as ‘property type: other’…”
Here’s a truth about real estate that nobody wants to admit: not everything fits in a box. Banks have boxes. Nice, tidy boxes labeled “single family home” and “condo” and “townhouse.” Their computer systems literally don’t have a dropdown menu option for “converted church with commercial kitchen” or “geodesic dome on 40 acres.”
We’ve funded...
Bridge Financing/Fully Open Term
Maximum Loan-to-Value (LTV) for Bridge Financing/Fully Open Term in Clinton:
50.0 %
“Subjects came off their current home last week but their new place closes Friday…”
Here’s a funny thing about bridge financing: everyone thinks it’s complicated. It’s not. Someone needs to close on their new house before their old house sells. Or their sale fell through after they removed subjects on their dream home. Or they found the perfect downsizer condo but haven’t listed the family hom...
Equity Lending
Maximum Loan-to-Value (LTV) for Equity Lending in Clinton:
50.0 %
“They have tons of equity but don’t qualify under B20…”
Here’s the thing about equity lending: it exists because banks literally can’t do it. B20 guidelines require income verification. Full stop. No wiggle room. No common sense exceptions.
We’re provincially regulated. The funds we lend on come from individual investors, not the Bank of Canada. So when your client has 50% equity but their in...
Purchases
Maximum Loan-to-Value (LTV) for Purchases in Clinton:
50.0 %
Moving is supposed to be exciting. New town, new job, new chapter. So why do banks act like you’re asking for their firstborn when you need a mortgage?
“You haven’t been at your new job for thre months”
“Your self-employment income doesn’t count in a new market.”
“We need to see established a year if you are part time contract - even if you’re working 40 hours under your new role”
Meanwhile...