Port Hardy

Port Hardy sits at the literal end of the road on northern Vancouver Island, where Highway 19 surrenders to wilderness and the Inside Passage begins. This isn’t just geographic positioning—it’s a mindset that attracts people who choose adventure over convenience.

The town serves as the jumping-off point for everything from grizzly bear viewing in Knight Inlet to salmon fishing expeditions that locals swear are worth the journey north. Port Hardy’s marina buzzes with commercial fishing vessels, recreational boats, and the occasional yacht heading to Alaska. The BC Ferries terminal connects travelers to the central coast and Haida Gwaii, making this small community a surprising hub for northern exploration.

Tekamar offers our full suite of mortgage products in Port Hardy with a maximum LTV of 60%, reflecting both the community’s remote location and the reality that buyers here are typically committed to the lifestyle rather than speculating on quick gains.

The housing market tells an interesting story. With 56% single-detached homes and a median household income of $69,000, Port Hardy attracts people who want space and privacy without Vancouver Island’s southern price tags. The 10% unemployment rate might look concerning on paper, but it doesn’t capture the seasonal nature of fishing, tourism, and forestry work that drives much of the local economy.

What makes Port Hardy different isn’t what it lacks—shopping centers, traffic lights, or urban amenities. It’s what it offers: legitimate wilderness access, world-class fishing, and a community where your neighbors know your name. The 20% senior population suggests people aren’t just visiting—they’re staying for the long haul.

For mortgage brokers, Port Hardy represents clients who’ve made deliberate choices about lifestyle over convenience. These borrowers understand what they’re buying and why they want it.