Highlands

Highlands sits just 20 minutes from downtown Victoria, yet feels worlds away from urban life. This district municipality has mastered the art of rural living with city convenience — residents enjoy country roads, protected forests, and stunning lake views while maintaining easy access to the capital’s amenities and employment opportunities.

The numbers tell a compelling story. With a median household income of $122,000 and 94.5% single-detached homes, Highlands attracts buyers seeking space and quality of life. The community’s 11.6% population growth since 2016 reflects its appeal to families and professionals who want acreage without isolation. Many properties here sit on larger lots, offering the privacy and outdoor lifestyle that’s increasingly rare near major centers.

Construction leads the local economy at 20.8% of employment, driven by ongoing residential development and renovation projects. Health care, retail, and public administration round out the employment base, creating economic diversity that reduces volatility. The 4.9% unemployment rate speaks to the stability that comes from proximity to Victoria’s government and service sectors.

What sets Highlands apart is its commitment to preserving natural spaces while accommodating growth. The district encompasses numerous lakes, hiking trails, and protected parklands that maintain property values and lifestyle appeal. Gowlland Tod Provincial Park and Mount Work Regional Park provide year-round recreation opportunities that urban buyers increasingly prioritize.

For mortgage brokers, Highlands represents an interesting opportunity. Properties here often require creative financing solutions — whether for land purchases, construction projects, or buyers transitioning from urban condos to rural estates. The strong equity positions typical in this market align well with our lending approach.

Tekamar offers equity-based lending, second mortgages, and bridge financing in Highlands with a maximum LTV of 70%. The combination of high property values, stable demand, and diverse economic base makes this community attractive for both borrowers seeking flexible financing and investors looking for secure opportunities outside the Vancouver market.