Gibsons sits on the Sunshine Coast like a perfectly aged wine — getting better with time while everyone else rushes around. This waterfront town of 4,758 has cracked the code that bigger cities haven’t: how to grow thoughtfully without losing what makes people want to live there in the first place.
The numbers tell a story most mortgage brokers dream about. With a median age of 56 and over a third of residents being seniors, Gibsons attracts people who’ve made their money elsewhere and want to spend it somewhere beautiful. These aren’t your typical first-time buyers scrambling for financing — they’re established buyers with equity who understand value when they see it.
The housing market reflects this wisdom. Single-detached homes make up 55.6% of the stock, and with 70.7% of residents holding post-secondary education, you’re dealing with informed buyers who appreciate waterfront living without Vancouver’s chaos. The town’s economy runs on retail, healthcare, and professional services — steady sectors that don’t vanish when resource prices fluctuate.
What really sets Gibsons apart is its role as the gateway to the Sunshine Coast. Ferry-dependent? Sure. But that same ferry keeps out the day-trippers and preserves the character that draws people here permanently. The climate has literally warmed by a full hardiness zone since the 1960s, making it even more attractive for year-round living.
Tekamar offers 65% maximum LTV in Gibsons, recognizing the strong resale potential in a market where people choose to live, not just survive. The town’s waterfront location, cultural scene, and proximity to Vancouver by ferry create the kind of lasting appeal that protects property values even when broader markets stumble.
For brokers working with clients who want coastal living without the Vancouver price tag, Gibsons delivers exactly what it promises — and has been doing so for decades.
Nearest Hospital
Our Mortgage Products Available in Gibsons
| Mortgage Product Name | Max LTV | Key Notes for Gibsons |
|---|---|---|
| Credit Repair and Debt Consolidation | 65.0% | Standard product terms |
| Variable Income | 65.0% | Standard product terms |
| Bare Land and Unique Properties | 65.0% | Standard product terms |
| Bridge Financing/Fully Open Term | 65.0% | Standard product terms |
| Equity Lending | 65.0% | Standard product terms |
| Purchases | 65.0% | Standard product terms |
Detailed Mortgage Product Information
Credit Repair and Debt Consolidation
Maximum Loan-to-Value (LTV) for Credit Repair and Debt Consolidation in Gibsons:
65.0 %
“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 Gibsons:
65.0 %
“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 Gibsons:
65.0 %
“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 Gibsons:
65.0 %
“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 Gibsons:
65.0 %
“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 Gibsons:
65.0 %
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...