West Kelowna

West Kelowna sits across Okanagan Lake from its larger namesake, but don’t mistake it for a sleepy suburb. This community of 36,000 has carved out its own identity as the Okanagan’s wine country headquarters, where rolling vineyard hills meet lake access and mountain recreation.

The numbers tell a compelling story for mortgage professionals. With a median household income of $99,000 and 68% of residents living in single-detached homes, West Kelowna attracts established families and retirees who value space and lifestyle. The community’s 10.5% growth since 2016 reflects steady demand, while the 21.4% senior population signals the kind of stable, equity-rich demographic that makes lending decisions straightforward.

What sets West Kelowna apart isn’t just the postcard scenery—it’s the economic diversity that reduces risk. Healthcare, retail, construction, and professional services each claim significant employment shares, creating resilience that single-industry towns can’t match. The proximity to Kelowna means residents access urban amenities and employment while enjoying lower density living among the vineyards.

The wine industry here isn’t just tourism fluff. West Kelowna hosts some of the Okanagan’s most established wineries, including Mission Hill and Quails’ Gate, creating both employment and property value stability. The region’s climate zone 7a designation means a longer growing season than most of Canada, supporting agriculture that’s proven profitable for decades.

For mortgage brokers, West Kelowna represents the sweet spot between lifestyle appeal and lending security. Properties here maintain value because people genuinely want to live among the lakes, wineries, and recreational opportunities. Our 70% maximum LTV reflects confidence in this market’s fundamentals—strong demographics, diverse economy, and the kind of natural amenities that don’t go out of style.

The community’s infrastructure continues expanding to match growth, with new schools and healthcare facilities supporting the influx of families and retirees choosing West Kelowna as their permanent base in wine country.