# Taylor, BC

> **Lending here.** Maximum LTV: 50.0%.

## Lending snapshot

Taylor is a volatile oil and gas bedroom town near Fort St. John where we cap LTVs at 50.0%. It's a shrinking, resource-dependent market where nearly half the housing stock consists of mobile homes. Because a foreclosure here can take up to 10 months to sell at a steep discount, we need a massive equity cushion.

## Key facts

- **Region:** Peace River
- **Maximum LTV:** 50.0%
- **Population:** 1,317
- **Economic score:** 5/100
- **Desirability score:** 5/100

## About Taylor

### Taylor BC: Underwriting at Mile 36

Taylor sits at Mile 36 of the Alaska Highway, perched on a terrace 60 meters above the Peace River. It is a compact industrial hub of 1,317 people, located just 14 kilometers south of Fort St. John. The town has flatlined in population growth since 2016 with a 0.0% change, serving primarily as a practical, blue-collar bedroom community for the surrounding Peace region's resource sectors.

The local economy is heavily tied to volatile commodities. Mining, quarrying, and oil and gas extraction employ 15.1% of the workforce, with construction taking another 14.4%. Because of these high-paying industrial jobs, the median household income is strong at $105,000, but the work is highly cyclical. This volatility is reflected in a local unemployment rate of 12.2%. It is a young demographic—the median age is 35, and 22% of the population is under 14—meaning you are dealing with working families whose incomes depend on active projects. Commuting is a major part of life here, with an average commute time of 24.8 minutes as residents travel to nearby service centers.

For mortgage brokers, the real estate inventory in Taylor requires careful analysis. There are only 610 private dwellings in total. Unlike typical suburban markets, single-detached homes do not dominate the landscape, accounting for 41.7% of the housing stock. Movable dwellings, such as mobile and manufactured homes, actually make up the largest share at 45.4%. Row houses (7.4%) and apartments (5.6%) make up the remainder. This high concentration of mobile homes, combined with a stagnant buyer pool, makes liquidity a primary concern during economic downturns.

At Tekamar, we manage private funds for friends and family, which makes capital preservation our top priority. We evaluate Taylor as a niche, resource-dependent market. The heavy reliance on oil, gas, and construction means real estate values can experience sharp swings when energy prices drop. If a borrower defaults during a regional downturn, selling a property in a market of 1,317 people can take a significant amount of time. Because of these liquidity risks and the flat population growth, we cap our loan-to-value ratio in Taylor at **50.0%**.

We are active lenders in the Peace River region, but we underwrite for worst-case scenarios. If you have a client in Taylor with solid equity who needs a second mortgage, debt consolidation, or a bridge loan to carry them through seasonal employment gaps, we want to look at the deal. We do not use automated checklists; we look at the actual real estate and the practical scenario. If your deal fits within our **50.0%** LTV limit, send us the details and we will provide a direct, common-sense decision.

## Mortgage products available in Taylor

| Product | Max LTV | Terms |
|---|---|---|
| [Bridge Financing](/mortgage_products/bridge-financing.md) | 50.0% | Standard product terms |
| [Credit Repair and Debt Consolidation](/mortgage_products/credit-repair-and-debt-consolidation.md) | 50.0% | Standard product terms |
| [Equity Lending / Refinance](/mortgage_products/equity-lending.md) | 50.0% | Standard product terms |
| [Purchases](/mortgage_products/purchases.md) | 50.0% | Standard product terms |
| [Variable Income](/mortgage_products/variable-income.md) | 50.0% | Standard product terms |

## Frequently asked questions

### What's the max LTV in Taylor and why is it capped there?

Our max LTV is 50.0% because Taylor's market is highly volatile and illiquid. If a deal goes sideways, it takes 8 to 10 months to sell a property here, and we expect to take a 25% haircut just to find a buyer.

### What's the local economy like, and how does it affect getting a deal done?

It's a one-industry town completely tied to oil and gas, which brings high median incomes but also a staggering 12.2% unemployment rate. Since the local economy is so volatile, we need to see bulletproof income stability to even consider a file.

### What would sink a deal in this market?

Mobile homes make up over 45% of the town's housing stock, so trying to finance one or presenting a deal without a strong 50% equity buffer is an automatic deal-breaker.


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