Zeballos sits at the end of a 42-kilometer gravel road on Vancouver Island’s remote west coast, where the Zeballos River meets pristine wilderness. With just 126 residents, this former gold rush town has reinvented itself as a gateway to some of the province’s most spectacular outdoor experiences.
The community serves as the northern trailhead for the famous Nootka Trail, drawing serious hikers who tackle the challenging 35-kilometer coastal route. Natural hot springs bubble up nearby, creating a perfect reward after days spent exploring old-growth forests and rugged coastline. Fishing enthusiasts find world-class salmon and steelhead runs in the Zeballos River system.
What makes Zeballos fascinating is its economic transformation. The town survived the boom-and-bust cycles that killed many resource communities by embracing its isolation as an asset. Remote workers and retirees have discovered they can live surrounded by wilderness while staying connected through improved internet infrastructure. The 17.8% population growth since 2016 tells that story.
Housing here means single-detached homes—they make up 85.7% of dwellings. Properties often come with substantial acreage, appealing to buyers seeking privacy and self-sufficiency. The median age of 50.8 years reflects the community’s appeal to people who’ve decided city life isn’t for them.
Healthcare and social assistance employ 22.2% of residents, providing stability in an economy that’s diversifying beyond its logging roots. The 0% unemployment rate suggests everyone who wants work finds it, though the small labor force means opportunities are specialized.
Zeballos isn’t for everyone. Groceries require planning, and the nearest hospital is hours away. But for borrowers who value solitude, natural beauty, and genuine community connection, it offers something increasingly rare—a place where you actually know your neighbors and the wilderness starts at your back door.
Tekamar lends up to 35% loan-to-value in Zeballos, reflecting the unique nature of this remarkable corner of Vancouver Island.
the Nearest Tim Hortons
the Nearest Costco
Nearest Hospital
Our Mortgage Products Available in Zeballos
| Mortgage Product Name | Max LTV | Key Notes for Zeballos |
|---|---|---|
| Bridge Financing/Fully Open Term | 35.0% | Standard product terms |
| Equity Lending | 35.0% | Standard product terms |
| Purchases | 35.0% | Standard product terms |
Detailed Mortgage Product Information
Bridge Financing/Fully Open Term
Maximum Loan-to-Value (LTV) for Bridge Financing/Fully Open Term in Zeballos:
35.0 %
“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 Zeballos:
35.0 %
“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 Zeballos:
35.0 %
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...