Jeff Mudrick

Licensed Canadian mortgage agent. Specialty in physician financing, projected-income qualification, and the Physician Line of Credit strategy that lets residents and fellows qualify at attending-level prices during training. Based in Newmarket, Ontario.

Built the tools physicians use.

Jeff is the creator of GradeMyMortgage.ca and the licensed mortgage agent behind PhysicianFinancing.ca. His practice focuses on the five qualification structures that most determine physician mortgage outcomes: projected-income residency mortgages, fellowship-to-attending transitions, incorporated-physician corporate income qualification, locum T4A income programs, and renewal analysis at term maturity.

Named to the 2024 Canadian Mortgage Professional Rising Stars list (Top 40 Mortgage Professionals Under 35), Jeff has spent his career combining direct client work with building infrastructure, having authored the mortgage technology platform that powers his own practice and a growing network of Canadian mortgage agents.

What lets Jeff represent physicians on mortgages.

Where Jeff's practice concentrates.

• 01
  Projected-income resident mortgages

  Qualifying medical residents and fellows on post-training income using signed residency and fellowship contracts, not current stipend alone.
• 02
  Fellowship-to-attending transitions

  Structuring mortgages at the fellowship-plus-attending stage so physicians can close on homes before the first attending T4 lands.
• 03
  Incorporated physician qualification

  Corporate-income mortgage qualification for Professional Corporations. Captures retained earnings and dividend history that personal T4 alone misses.
• 04
  PLOC strategy

  Physician Line of Credit structuring for down payments, closing cost buffers, and bridge financing. Full after-tax modelling before commitment.
• 05
  Mortgage penalty and IRD calculations

  Precision on 9 different Canadian prepayment penalty methods, including the lender-specific IRD variants that sometimes save physicians five figures at renewal.
• 06
  Renewal analysis

  Real math on what a bank renewal letter is quietly costing. Full comparison of switch-lender options before the next term signs.

Sister properties for Canadian homeowners.

Your mortgage, handled by a licensed physician-program specialist.

30 minute call. Signed contracts reviewed, PLOC balance modelled, target purchase priced. You leave with a real qualification number, not a marketing range.