Prince George Mortgage Broker

Can a Prince George mortgage be handled remotely?

Yes. A mortgage broker licence in BC is provincial (mine is #MB609900), not city by city.

The process was never built around meeting in person — the application is online, documents go by email or a secure upload link, and most paperwork can be e-signed remotely. The few documents that need a witness get signed with a local lawyer or notary near you, no trip required.

Plenty of clients finish the whole process without meeting in person. Prince George works the same way.

Prince George, specifically

Prince George sits where the Nechako and Fraser rivers meet — in the Lheidli T'enneh name, "Lheidli" means "where the two rivers flow together." The 2021 Census counted 76,708 residents, up 3.7% from 2016; the new Official Community Plan adopted October 20, 2025 cites a BC Stats estimate of 85,316 for 2024 and projects the city passing 100,000 in 2041 and reaching about 110,936 by 2050. The City's relocation guide calls it the major service centre for Northern BC, home to the head office of Northern Health, the University Hospital of Northern British Columbia and the BC Cancer Agency Centre for the North, while UNBC runs the Northern Medical Program in partnership with UBC; the largest employment sectors are retail trade, healthcare, manufacturing, construction and forestry.

My mortgage and real estate licences both cover all of BC, so for a home in Prince George you can come to me for the mortgage and for buying or selling. Mortgage documents go digital, and we can work out a plan by phone and video.

Prince George specifics: small-scale housing, the Urban Containment Boundary, river and slope hazards, and two provincial taxes that don't apply

On June 12, 2024, Council adopted Amendment Bylaw No. 9466 to bring in the provincial small-scale multi-unit housing rules: a minimum of three dwelling units on parcels of 280 square metres or less, and a minimum of four on larger parcels, in forms that include secondary suites in houses or duplexes, secondary dwellings such as carriage or cottage homes, duplexes, triplexes, row homes and small apartments with interior access. The Province prescribed only one Transit-Oriented Area in the city: the UNBC Bus Exchange.

The new Official Community Plan, Bylaw No. 9525, names Downtown and Neighbourhood Centres and Corridors as Growth Priority Areas and concentrates the tallest buildings and highest densities Downtown, while the Urban Containment Boundary remains the principal growth management tool, protecting agricultural land, natural areas and rural character. The Province's 2024 target is 1,803 net new homes within five years, and the City's interim Housing Needs Report, using the provincial method, puts the need at 5,218 units by 2026 and 12,503 by 2041.

The plan is frank about local hazards: developed land close to rivers, forests and steep slopes faces flooding, slope instability, landslides and wildfire. Development on hazardous land is prohibited unless the risk can be relieved through mitigation, the City can require a report from a qualified professional where hazardous conditions are expected, steep-slope sites should keep as much native vegetation as possible, and owners are encouraged to follow FireSmart practices.

Taxes work differently from the Lower Mainland: Prince George is on neither the speculation and vacancy tax list nor the list of areas for the foreign buyers' additional property transfer tax. The City's property tax page also notes that water, sanitary sewer and garbage are billed separately from property taxes, that under the Local Government Act properties with three years of unpaid taxes go to tax sale on the last Monday of September, and that owners can apply for the Province's tax deferment program on a principal residence.

Common questions