Free mortgage tools built around how physicians actually earn. Use them all. If you want a conversation, we already understand your situation.
“Physicians kept asking me the same mortgage questions and nobody was giving them real answers. So we built this. Use everything for free. If you never reach out, you’ll still know more than most doctors who just signed whatever their lender sent over.”
Jeff Mudrick, Physician Financing
Takes 10 seconds. No email. No signup.
Different career stage, different income structure, different mortgage strategy. Pick yours.
Your bank sees one rate sheet. We see 50+ lenders, including physician-specific programs most reps have never heard of. That changes what you qualify for, what you pay, and how your mortgage is structured.
Physicians kept getting the same generic mortgage advice. Sign here, we’ll match the posted rate, the bank will be competitive. Nobody was accounting for projected income, how the PLOC gets counted, or what your incorporation actually means for qualifying income.
So we built the tools we wished existed. Use everything for free. When you want to talk, we already understand your situation.
Takes 30 seconds. No signup. Compared against physicians at your career stage and income, not the general population.
A physician mortgage is a specialty product offered by Canadian banks (Scotia, RBC, TD, CIBC, National Bank) and some monoline lenders that qualifies physicians using projected attending income, signed training contracts, and alternative income documentation. It accepts residents, fellows, locums, and incorporated physicians on structures that traditional mortgages reject.
Yes. Physician-program lenders qualify residents using projected attending income plus signed residency contracts. Standard structure is 5 to 10 percent down, residency stipend combined with projected attending income in the qualification calculation, and student debt treated as structured rather than disqualifying.
Typical ranges: residents $600K to $1.2M, fellows $1M to $1.8M, attending family physicians $1.2M to $1.8M, attending specialists $1.5M to $2.5M, incorporated attendings up to $3M or more depending on specialty and corporate structure. Actual figures depend on gross income, debt, down payment, and lender-specific ratios.
Sometimes yes, sometimes not. Physician programs often offer rate discounts of 10 to 25 basis points versus posted rates, but the bigger value is in qualification flexibility: projected income, no-insurance options at lower down payments, structured student debt treatment, and corporate-income qualification for incorporated physicians.
A PLOC is a high-limit unsecured line offered by Scotia, RBC, TD, CIBC, and National Bank at prime-linked rates. For mortgage purposes it works well as a down payment source (documented and accepted by most lenders), a closing cost cushion, and a bridge between properties. It carries no amortization schedule, accruing interest only on the drawn balance.
Yes, through specialty lenders that accept corporate income plus dividend history as qualifying income. Standard bank qualification on personal T4 alone typically undervalues an incorporated physician's income by 40 to 60 percent. Corporate qualification captures retained earnings, shareholder distributions, and dividend income, often unlocking 50 to 80 percent more mortgage capacity.
Rarely with the current bank. Posted renewal rates at Canadian banks are typically 30 to 80 basis points above the best available rate a broker can source at the same moment. On a $1M mortgage over a 5-year term, 50 basis points is roughly $25,000 to $30,000 in extra interest paid. Switching lenders at renewal has zero penalty.
Licensed in Ontario, British Columbia, Alberta, Saskatchewan, Quebec, Manitoba, Nova Scotia, Newfoundland and Labrador, and New Brunswick. Mortgage services are arranged through BRX Mortgage Inc. (Licence #13463). Jeff Mudrick is licensed as a Mortgage Agent Level 2 (FSRA #M21001275).
Pick the stage that fits. This helps us match you with the right programs.