Warfield

Warfield sits quietly beside the Kootenay River, just minutes from Trail, making it the perfect spot for people who want small-town peace without sacrificing access to amenities. With 1,753 residents spread across less than two square kilometers, this community packs a surprising amount of character into a compact space.

The housing market here tells an interesting story—over 80% of homes are single-detached houses, which means your borrowers aren’t dealing with strata complications or condo board drama. The median household income of $90,000 reflects a community that’s found its economic footing, largely through healthcare and manufacturing jobs that provide stability rather than boom-bust cycles.

What makes Warfield particularly appealing is its location in plant hardiness zone 7b, meaning residents can grow everything from fruit trees to perennial gardens that would struggle in harsher climates. The climate has actually warmed by a full zone since the 1960s, making outdoor living even more attractive. Red Mountain Resort is practically next door, and the Selkirk Mountains provide endless hiking and recreation opportunities.

The demographics show a mature community where 23% of residents are seniors, but with steady 4.3% population growth suggesting people are choosing to stay or move here intentionally. Healthcare leads employment at 19%, followed by manufacturing at 12%—a mix that provides economic stability without relying too heavily on resource extraction.

For mortgage brokers, Warfield represents the sweet spot of small-town BC lending. Properties here have genuine lifestyle appeal, strong recreational access, and proximity to Trail’s services. The community’s compact size means local market knowledge is manageable, while the predominance of single-family homes simplifies property evaluation.

Tekamar offers a maximum 60% LTV in Warfield, reflecting our confidence in this community’s stability and desirability. We provide equity-based lending, second mortgages, and debt consolidation products for borrowers who appreciate small-town living with big-town access.