West Vancouver

West Vancouver sits perched between mountains and ocean like a perfectly positioned chess piece, commanding some of the most expensive real estate in Canada. With a median household income of $104,000 and homes that regularly sell for millions, this isn’t your typical mortgage market—it’s where deep pockets meet deeper equity.

The numbers tell a fascinating story: 61.9% of residents hold bachelor’s degrees or higher, making this one of Canada’s most educated communities. Professional services dominate the employment landscape at 17.6%, followed by finance at 8.4%. These aren’t industries that disappear overnight, which explains why West Vancouver properties hold their value like gold bars in a vault.

Here’s where reality meets opportunity: Tekamar’s maximum LTV in West Vancouver is 0%. We don’t lend here, and there’s a simple reason why. When foreclosure timelines stretch and legal costs pile up, even the most beautiful oceanfront property becomes a liability if you can’t exit quickly enough. Our friends and family investors expect their principal back, not a scenic view of the Strait of Georgia.

The community’s appeal is undeniable. Cypress Mountain offers world-class skiing minutes from downtown Vancouver, while Capilano River Regional Park provides hiking trails that feel like wilderness escapes. The Harmony Arts Festival draws visitors annually, and the beaches along English Bay remain some of Metro Vancouver’s finest. With 28.5% of residents over 65, this is where successful professionals come to enjoy their wealth, not leverage it.

For mortgage brokers, West Vancouver represents a market where equity-rich clients likely need specialized products we can’t provide. The risk-to-reward ratio simply doesn’t align with our conservative lending model, regardless of how prestigious the postal code might be.