Langford

Langford has quietly become one of Vancouver Island’s most compelling growth stories, transforming from a sleepy bedroom community into a destination that’s attracting families, professionals, and retirees who want the best of both worlds. With a 70% maximum LTV, we’re backing brokers who see the opportunity in this market that’s experiencing 31.8% population growth while maintaining the lifestyle perks that keep people here long-term.

The numbers tell a story that smart brokers already know: median household income sits at $93,000, unemployment stays reasonable at 6.2%, and the housing mix shows a community that’s evolved beyond cookie-cutter suburbs. You’ll find everything from single-family homes to duplexes and apartments, creating opportunities across different borrower profiles and price points.

What makes Langford particularly interesting isn’t just its proximity to Victoria — it’s that people choose to stay. The climate has literally improved over the past 30 years, now sitting in Plant Hardiness Zone 9a, which means gardens thrive and outdoor activities happen year-round. This isn’t just about weather; it’s about quality of life that translates into market stability.

The economic foundation runs deeper than proximity to the capital. Public administration, healthcare, and retail drive employment, creating the kind of diversified base that weathers economic shifts. When your borrowers work in stable sectors and choose to live somewhere they genuinely want to be, the lending equation becomes much more predictable.

For brokers working with clients who need flexible lending solutions, Langford represents that sweet spot where lifestyle meets opportunity. Properties move efficiently here because the fundamentals — location, amenities, and community appeal — create consistent demand that makes our underwriting decisions straightforward.