Strategic Mortgage Solutions for Canadian Physicians

Choose your path to explore mortgage strategies by career stage.

Why We Built This

This platform was created with a singular focus: to provide Canadian physicians with real mortgage strategy – not just rate pushing or sales tactics. Our aim is to deliver insights and solutions that genuinely serve your best interests and unique financial journey.

We work exclusively with doctors because we intimately understand the complexities of your profession. From intricate income structures to career progression, our specialized knowledge ensures you receive tailored advice that addresses your specific needs, helping you navigate the mortgage landscape with clarity and confidence.

Solutions for Every Medical Career Stage

Residents & Fellows

Secure your first home with minimal down payment and flexible income verification, even while training.

Self-Employed Physicians

Leverage income strategies that traditional banks often miss for locums and fee-for-service practitioners.

Incorporated Physicians

Optimise corporate structures to qualify for better rates and higher

borrowing capacity.

Real Estate Investors

Build wealth through strategic property acquisition with tailored financing solutions for physicians.

Renewals & Refinances

Restructure existing mortgages to improve cash flow and support practice growth or family needs.

Residents & Fellows: Begin Your Homeownership Journey

Many lenders don't understand how physician training works. We've created special programmes that recognise your future earning potential, allowing you to purchase with as little as 5% down.

Our resident-focused strategy helps you balance student debt with homeownership goals, even on training salaries.

"Jeff secured our mortgage while I was still in my second year of residency. The process was smooth, and he understood exactly what we needed." – Dr. M, Toronto

Self-Employed Physicians: Maximize Your Borrowing Power

Case Study: Dr. S, Vancouver

After establishing a successful locum practice across multiple hospitals, Dr. S struggled to verify income using traditional methods. Her bank offered only 65% of what she needed.

Our solution: We leveraged her consistent T4A income history and existing contracts to secure 90% of her target home value, without requiring two full years of self-employment documentation.

Self-employed physicians can access up to 95% financing with our specialized income verification strategies.

Incorporated Physicians: Corporate Structure Advantage

Standard Bank Approach: Most lenders only consider T4 income, ignoring retained earnings and corporate assets - significantly limiting your borrowing capacity.

Our Strategic Method: We work with lenders who understand corporate structures, allowing you to use retained earnings, dividends, and corporate investments to qualify.

Long-term Planning: Our mortgage structures complement your tax planning, helping you build wealth while maintaining corporate advantages.

Download our free guide to learn how proper mortgage planning can save incorporated physicians over $27,000 in interest during a typical 5-year term.

Real Estate Investors: Build Your Portfolio

Case Study: Dr. C, Halifax

Dr. C wanted to acquire rental properties but was concerned about affecting his borrowing capacity for his primary residence.

Using our physician-specific portfolio approach, we structured his first two investment properties to remain "off the credit bureau," preserving his debt service ratio for his dream home purchase the following year.