Valemount sits at the crossroads of adventure and opportunity in the Robson Valley, where the Canadian Rockies meet serious outdoor recreation. This mountain town of just over 1,000 residents punches above its weight class when it comes to lifestyle appeal — Mount Robson, the highest peak in the Canadian Rockies, towers nearby while three major mountain ranges create a natural amphitheater that outdoor enthusiasts can’t resist.
The numbers tell an interesting story about who’s choosing Valemount. With nearly 21% of residents over 65 and a median age pushing 45, this isn’t your typical resource town demographic. People are coming here to stay, drawn by world-class snowmobiling, hiking trails that lead to UNESCO World Heritage sites, and the kind of mountain views that never get old. The housing market reflects this appeal — 64% single-detached homes suggest folks want space and permanence, not just a temporary landing spot.
Tourism drives 15.7% of local employment through accommodation and food services, creating a foundation that’s proven resilient over decades. The community’s proximity to Jasper National Park and its position along the Yellowhead Highway means visitor traffic isn’t going anywhere. Construction work accounts for 12% of jobs, indicating ongoing development and maintenance needs in this mountain environment.
For mortgage brokers, Valemount represents the sweet spot between recreational property appeal and year-round livability. The town’s infrastructure supports both retirees seeking mountain tranquility and younger families drawn to outdoor recreation. Healthcare services are present, schools serve the community, and the recreational amenities create lasting property value drivers.
Tekamar offers a maximum 55% LTV in Valemount, recognizing both the lifestyle appeal and the smaller market dynamics. Our equity-based lending products, second mortgages, and debt consolidation options serve borrowers who understand that sometimes the best investments aren’t just financial — they’re about quality of life in one of BC’s most spectacular settings.
the Nearest Costco
Nearest Hospital
Our Mortgage Products Available in Valemount
| Mortgage Product Name | Max LTV | Key Notes for Valemount |
|---|---|---|
| Construction Mortgages | 55.0% | Standard product terms |
| Variable Income | 55.0% | Standard product terms |
| Bridge Financing/Fully Open Term | 55.0% | Standard product terms |
| Equity Lending | 55.0% | Standard product terms |
| Purchases | 55.0% | Standard product terms |
Detailed Mortgage Product Information
Construction Mortgages
Maximum Loan-to-Value (LTV) for Construction Mortgages in Valemount:
55.0 %
“Wait, you’re a MIC that actually does construction?”
Here’s something that makes brokers do a double-take. Yes, we do construction mortgages. No, that’s not a typo.
But before you start sending us your client with the 580 credit score who wants to build their dream home, let’s be clear: these aren’t your typical MIC deals. We only do construction for bankable clients. People the banks would ...
Variable Income
Maximum Loan-to-Value (LTV) for Variable Income in Valemount:
55.0 %
“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...
Bridge Financing/Fully Open Term
Maximum Loan-to-Value (LTV) for Bridge Financing/Fully Open Term in Valemount:
55.0 %
“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 Valemount:
55.0 %
“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 Valemount:
55.0 %
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...