Trail

Trail sits where the Columbia River bends through the Kootenays, and this town has mastered the art of reinvention. Once dominated by the massive Teck smelter that defined its skyline and economy for over a century, Trail has quietly transformed into something unexpected: a mountain biking mecca that draws riders from across North America.

The Seven Summits Trail system sprawling above town isn’t just another amenities checkbox—it’s world-class infrastructure that puts Trail on the map for outdoor enthusiasts. These aren’t casual walking paths but legitimate mountain bike trails that have earned recognition in cycling magazines and draw tourism dollars from serious riders willing to travel for quality terrain.

What makes Trail particularly interesting for mortgage professionals is its demographic story. With nearly 28% of residents over 65, this community attracts retirees who appreciate the lower cost of living, mild climate for the region, and proximity to recreational opportunities. The median household income of $68,000 reflects a mix of long-term residents and newcomers who’ve discovered Trail’s appeal.

The housing market tells a compelling story too. Over 70% of homes are single-detached houses, creating opportunities for equity-based lending scenarios. Manufacturing still employs nearly 12% of workers, providing economic stability even as the town diversifies beyond its industrial roots.

Trail’s location near the US border and along major transportation corridors adds practical value. The Columbia River Trail connects cyclists and walkers to Castlegar, while the town’s compact 35 square kilometers keeps everything accessible.

For mortgage brokers working with clients who need flexible lending solutions, Trail represents solid fundamentals: established infrastructure, recreational amenities that attract new residents, and a housing stock that supports equity accumulation. Tekamar offers equity-based mortgages, second mortgages, and debt consolidation products in Trail with a maximum loan-to-value ratio of 55%.