Queen Charlotte

Queen Charlotte sits on Haida Gwaii like a secret that only the most determined adventurers get to keep. This isn’t your typical BC coastal town—it’s where the ferry drops you off after a journey that feels like crossing into another world, and suddenly you’re surrounded by ancient rainforests, pristine waters, and a pace of life that makes city stress seem like a distant memory.

The numbers tell an interesting story here. With 964 residents spread across stunning oceanfront and forest landscapes, Queen Charlotte has managed something remarkable: it’s grown 9% since 2016 while maintaining its small-town character. The median age of 44.8 years reflects a community that attracts people who’ve figured out what really matters—and with 22% of residents over 65, it’s clearly a place where people choose to stay.

The local economy has smartly evolved from its resource-dependent roots into something more resilient. Healthcare and education now anchor the job market, joined by tourism operations that capitalize on what might be Canada’s most spectacular natural playground. The 3.7% unemployment rate speaks to a community where people find ways to make island life work.

From a lending perspective, Queen Charlotte presents unique considerations. The stunning natural beauty and lifestyle appeal create genuine demand from buyers seeking something extraordinary, but the remote location means everything takes longer—including potential foreclosure proceedings. That’s why we cap our lending at 55% LTV here, ensuring we’re well-positioned even if market conditions shift.

For mortgage brokers working with clients who’ve fallen in love with Haida Gwaii’s magic, we understand that conventional financing often falls short. Our equity-based approach and willingness to lend where others won’t can turn impossible dreams into signed purchase agreements.