Hudson’s Hope sits at the edge of the Peace River Valley, where the massive W.A.C. Bennett Dam creates Williston Lake—one of the largest man-made reservoirs in North America. This tiny community of 841 people punches above its weight economically, with over 21% of residents working in utilities, primarily connected to BC Hydro’s massive hydroelectric operations that power much of the province.
The numbers tell an interesting story about resilience in remote BC. Despite a harsh Zone 3b climate and population decline, median household income hits $81,000—well above many rural communities. That’s the power of stable utility jobs in a place where housing remains affordable and three-quarters of residents own single-detached homes.
Hudson’s Hope calls itself “Canada’s Oldest Trading Post,” and the history runs deep. The area has been continuously inhabited for over 10,000 years, first by Indigenous peoples, then by fur traders who established posts here in the 1800s. Today’s residents are drawn by world-class fishing on the Peace River, proximity to some of BC’s best hunting grounds, and the kind of small-town stability that comes from being essential to the province’s power grid.
The community faces real challenges—an aging population with 24% over 65 and limited economic diversification beyond the power sector. But for those who choose this lifestyle, Hudson’s Hope delivers genuine wilderness access, affordable housing, and steady employment in an industry that’s not going anywhere.
For mortgage brokers working with clients seeking rural BC properties, we offer lending solutions up to 45% LTV in Hudson’s Hope. The conservative ratio reflects both the remote location and smaller market, but also recognizes the underlying value in a community that literally keeps the lights on across British Columbia.
the Nearest Tim Hortons
the Nearest Costco
Nearest Hospital
Our Mortgage Products Available in Hudson's Hope
| Mortgage Product Name | Max LTV | Key Notes for Hudson's Hope |
|---|---|---|
| Construction Mortgages | 45.0% | Standard product terms |
| Credit Repair and Debt Consolidation | 45.0% | Standard product terms |
| Bridge Financing/Fully Open Term | 45.0% | Standard product terms |
| Equity Lending | 45.0% | Standard product terms |
| Purchases | 45.0% | Standard product terms |
Detailed Mortgage Product Information
Construction Mortgages
Maximum Loan-to-Value (LTV) for Construction Mortgages in Hudson's Hope:
45.0 %
“Wait, you’re a MIC that actually does construction?”
Here’s something that makes brokers do a double-take. Yes, we do construction mortgages. No, that’s not a typo.
But before you start sending us your client with the 580 credit score who wants to build their dream home, let’s be clear: these aren’t your typical MIC deals. We only do construction for bankable clients. People the banks would ...
Credit Repair and Debt Consolidation
Maximum Loan-to-Value (LTV) for Credit Repair and Debt Consolidation in Hudson's Hope:
45.0 %
“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...
Bridge Financing/Fully Open Term
Maximum Loan-to-Value (LTV) for Bridge Financing/Fully Open Term in Hudson's Hope:
45.0 %
“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 Hudson's Hope:
45.0 %
“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 Hudson's Hope:
45.0 %
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...