McBride sits in the heart of the Robson Valley, where the Fraser River cuts through some of BC’s most spectacular mountain scenery. This small community of 588 residents has carved out its identity as the gateway to Mount Robson Provincial Park, home to the Canadian Rockies’ highest peak at 3,954 meters.
The town’s claim to fame extends beyond mountain views. McBride holds the distinction of being one of the few places in BC where you can witness the northern lights with surprising regularity, thanks to its northern latitude and minimal light pollution. The community also sits along the historic Yellowhead Highway, making it a natural stopping point for travelers exploring the region’s wilderness.
What sets McBride apart is its authentic small-town character that hasn’t been polished for tourists. The downtown core maintains its working-town feel, with local businesses serving both residents and the steady stream of outdoor enthusiasts who use the area as a base camp. The community’s proximity to world-class hiking, cross-country skiing, and river activities creates a unique dynamic where retirees and adventure seekers coexist.
The housing market reflects this rural mountain setting, with three-quarters of homes being single-detached houses spread across the valley floor. Property values remain accessible compared to BC’s resort towns, though the remote location means patience is required for any real estate transactions.
For mortgage brokers working with clients seeking mountain living without resort prices, McBride represents an opportunity in BC’s northern wilderness corridor. The community’s established infrastructure and proximity to Mount Robson create lasting appeal for those prioritizing natural beauty over urban amenities.
Tekamar offers a maximum LTV of 50% in McBride, reflecting the specialized nature of this mountain community market.
the Nearest Tim Hortons
the Nearest Costco
Our Mortgage Products Available in McBride
| Mortgage Product Name | Max LTV | Key Notes for McBride |
|---|---|---|
| Credit Repair and Debt Consolidation | 50.0% | Standard product terms |
| Variable Income | 50.0% | Standard product terms |
| Bare Land and Unique Properties | 50.0% | Standard product terms |
| 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
Credit Repair and Debt Consolidation
Maximum Loan-to-Value (LTV) for Credit Repair and Debt Consolidation in McBride:
50.0 %
“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 McBride:
50.0 %
“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 McBride:
50.0 %
“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 McBride:
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 McBride:
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 McBride:
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...