Hazelton sits at the confluence of the Bulkley and Skeena Rivers in northwestern BC, where the Yellowhead Highway meets the Cassiar Highway — making it a natural stopping point for travelers heading to Alaska or exploring the northern wilderness. This tiny community of 257 people punches above its weight in historical significance, serving as the gateway to the ancient village of ‘Ksan and home to some of the province’s most important Indigenous cultural sites.
The numbers tell a story of demographic shift: with a median age of 49.6 years and 26.9% seniors, Hazelton reflects the aging pattern common to many small northern communities. Healthcare and social assistance dominate employment at 34.8%, followed by construction and education each at 17.4%. The unemployment rate of 17.4% signals economic challenges, though the 64% post-secondary education rate suggests a surprisingly well-educated population for such a remote location.
Housing remains straightforward here — 78.3% single-detached homes dot the landscape, with just 125 total private dwellings serving the community. The real estate market moves slowly, reflecting both the small population and the reality that buyers need specific reasons to choose this remote location.
Hazelton’s appeal lies in its authentic northern character and outdoor recreation opportunities. The area offers world-class steelhead fishing on the Skeena River, extensive hiking trails through old-growth forests, and winter activities that take advantage of the reliably snowy climate. The ‘Ksan Historical Village provides a rare glimpse into Gitxsan culture, drawing visitors interested in Indigenous art and history.
For mortgage brokers working with clients drawn to northern BC’s lifestyle, Hazelton represents a niche market. Our 50% maximum LTV reflects the community’s remote location and limited resale market, but also acknowledges that the right properties in this historic river town can serve specific borrower needs — whether for retirement, recreation, or those seeking an authentic small-town northern experience.
the Nearest Tim Hortons
the Nearest Costco
Our Mortgage Products Available in Hazelton
| Mortgage Product Name | Max LTV | Key Notes for Hazelton |
|---|---|---|
| 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
Bridge Financing/Fully Open Term
Maximum Loan-to-Value (LTV) for Bridge Financing/Fully Open Term in Hazelton:
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 Hazelton:
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 Hazelton:
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...