Your career is complex.
Your mortgage shouldn’t be.

Free mortgage tools built around how physicians actually earn. Use them all. If you want a conversation, we already understand your situation.

Physician Mortgage Snapshot
PGY-2 Resident · Toronto · PLOC $200K
TYPICAL SCENARIO
At your bank
Right lender program
Income counted
$65K / yr
Income counted
$185K projected
PLOC counted as
$7,500 / mo
PLOC counted as
$1,800 / mo
Qualifies for
$180K
Qualifies for
$720K+

Same resident. Same debt.
$540K difference from lender choice alone.

Find my programs

“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

Instant Check

Am I overpaying?

Takes 10 seconds. No email. No signup.

4.79%
3.00%7.00%
$650K
$100K$4M

I’m

Different career stage, different income structure, different mortgage strategy. Pick yours.

01
Resident or Fellow
Buying on a training salary
Projected income10% downDebt strategy
Learn more
02
Self-Employed
Locum, fee-for-service, mixed
T4A incomeLocumIncome verification
Learn more
03
Incorporated
Using your corporate structure
Corporate incomeDividendsTax aligned
Learn more
04
Property Investor
Growing without limiting borrowing power
Rental incomePortfolioEquity strategy
Learn more
05
Renewing
Reimagine your mortgage at renewal
Rate comparisonPenalty mathCash flow
Learn more

Why work with a specialized mortgage agent?

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.

Your income is different
Fee-for-service, T4A, locum shifts, incorporation. We know how to present each one so lenders actually use the right number.
Physician-specific programs
Projected income qualification, flexible down payment structures, and products built for medical professionals. Not every lender has them.
One person who knows your file
From pre-approval through possession and every renewal after. We built your mortgage. We remember why.
Rate is just one variable
Prepayment privileges, penalty type, portability, and registration all affect your total cost of borrowing. We look at all of it.
What a broker evaluates at renewal
Your Lender’s Offer
Rate offeredRenewal letter rate
Cash backVaries
Penalty typeLender-specific
PrepaymentExisting terms
ComparisonNone provided
Through a Broker
Rate offeredBest of 50+ lenders
Cash backCompared across lenders
Penalty typeEvaluated & compared
PrepaymentMatched to your goals
ComparisonFull side-by-side
The real advantage isn’t just the rate. It’s the penalty structure, prepayment flexibility, and the ability to shop across lenders instead of accepting one offer.

Real strategy for how physicians actually earn.

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.

50+
Lenders compared
Including physician-specific products that no single bank or credit union can offer on their own.
24 hrs
Always a response within 24 hours
When you reach out, you’ll hear back from Jeff the same day. Not a bot, not a receptionist. A mortgage agent who already knows your situation.
100%
Free tools, always
Every calculator and grading tool on this site is free. No gated content, no bait-and-switch. If you never call us, you’ll still know more than most doctors who just signed whatever their lender sent over.
Free Physician Tools

See how your mortgage compares to other doctors.

Takes 30 seconds. No signup. Compared against physicians at your career stage and income, not the general population.

Grade My Mortgage All Physician Tools
Physician Mortgage Report CardB+
Your current rate4.64%
Best available rate4.29%
Annual overpayment$2,450
Penalty to switch (est)$3,800
Break-even18 months

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See what you qualify for

Pick the stage that fits. This helps us match you with the right programs.

I'm a:ResidentSelf-EmployedIncorporatedInvestorRenewing
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