Peachland

I’ll let you in on a little secret: Peachland, British Columbia, might just be the hidden gem of the Okanagan Valley that you didn’t know you needed to know about. Nestled along the shores of Okanagan Lake, this small town of just under 6,000 folks offers a slice of lakeside living that’s hard to beat. But beyond the postcard views, there’s a real story here for mortgage brokers and borrowers looking for unique opportunities in a market that’s often overlooked by bigger lenders. And that’s where we at Tekamar Mortgage Fund come in, with our tagline, “We’ll lend where other MICs won’t.”

What sets Peachland apart? For starters, it’s got a vibe that screams “vacation lifestyle”—think sandy beaches, zip-lines at Trepanier Creek, and trails with views that’ll make you forget your inbox for a while. With a median age of 60, it’s a retiree haven, which means a steady stream of equity-rich buyers looking for their dream home by the lake. That’s gold for resale potential, something we always keep an eye on at Tekamar when assessing risk. For brokers, this translates to a market with consistent demand, even if it’s not the hustle of Kelowna. And for borrowers, it means you’re in a spot where property values hold strong, giving you a solid foundation for equity lending.

Let’s talk numbers, but don’t worry, I won’t bore you with a spreadsheet. Peachland’s housing stock is mostly single-detached homes—about 69%—which tells you this isn’t a high-density condo jungle. That’s a plus for us, since we focus on residential first and second mortgages, not commercial or multi-family deals. Our maximum loan-to-value (LTV) here is 65%, which reflects our cautious but fair approach. We’re not throwing money at just anything; we want a clear exit strategy, whether it’s a refinance down the road or a safe foreclosure timeline if things go south. Brokers, if you’ve got a client who’s been turned down by banks for income or credit reasons, give us a call—we thrive on equity-based deals. Borrowers, if you’re sitting on a property in Peachland with solid value, we’re the MIC that’ll look at your story, not just your score.

Another thing that makes Peachland stand out is its mild climate—rated Zone 6a for you gardeners out there. It’s warmed up noticeably over the decades, making it a draw for folks wanting a long growing season or just fewer snow-shoveling days. Pair that with local spots like the historic Peachland Pier, and you’ve got a community that feels like a permanent getaway. That lifestyle appeal keeps demand ticking, even if the local economy leans on retail and construction with a higher-than-average unemployment rate. For us at Tekamar, that’s just part of the puzzle—we balance the risks with low LTVs to protect our friends-and-family investors.

So, why should you care? If you’re a mortgage broker, Peachland is the kind of place where we can partner on deals that bigger MICs might skip, especially outside the Vancouver bubble. And if you’re a borrower, know that we’re here for the small-town dream, whether it’s credit repair or debt consolidation, as long as the equity makes sense. Peachland isn’t just another pin on the map—it’s a smart play for the right deal. Let’s talk and make it happen.