Guides

In-depth, for physicians who want the full picture.

Long-form guides covering the pieces that tools alone cannot solve: career stage decisions, lender selection, PLOC strategy, corporate qualification, and the renewal decisions that shape the next term.

Start here

Find the guide that matches your file.

Resident or fellow

Can I buy before attending income starts?

Projected income, training timeline, and when buying beats renting.

Signed attending offer

I have the offer, not the paycheque yet.

How fellows use a signed attending contract before the first T4.

Incorporated

My T4 does not show the whole file.

Corporate income, retained earnings, dividends, and timing.

Locum or self-employed

My income is strong but messy.

How variable physician income is documented and read.

PLOC or debt

What should I do with the line of credit?

Down payment, bridge cash, debt ratios, and repayment strategy.

Renewing

Is the bank renewal letter costing me?

Rate comparison, renewal timing, and when to shop the file.

Full library

Showing 20 guides.

Master Guide12 min

The Physician Mortgage Guide · Canada 2026

The complete 2026 guide to physician mortgages in Canada. How residents, fellows, attendings, incorporated physicians, and locum doctors actually qualify.

Qualification9 min

How Much Mortgage Can a Physician Qualify For in Canada?

Real qualification ranges for Canadian doctors by career stage and specialty, from residents to incorporated specialists, and the levers that move the number.

Do Physicians Get Better Mortgage Rates in Canada?

The honest answer on physician mortgage rates: where the discounts are real, where the bigger value actually sits, and how to avoid overpaying at renewal.

Program Comparison8 min

Comparing Canadian Physician Mortgage Programs: How to Pick Yours

Every major Canadian bank runs a physician program, and they are not interchangeable. The axes that actually differ, and how to match a program to your file instead of picking by brand.

PLOC Strategy8 min

Physician Line of Credit (PLOC): The Complete Strategy Guide

What a PLOC is, how lenders count it against your mortgage, and the four ways to use it well, from down payment to bridge financing.

Down Payment7 min

Physician Mortgage Down Payment: How Much and Where It Comes From

The real down payment rules for Canadian physician programs, from 5% minimums to PLOC and gifted funds, plus how the source affects your mortgage.

Incorporation8 min

Incorporated Physician Mortgages: Qualifying on Corporate Income

Why incorporated physicians get underqualified by standard lenders, and how corporate-income programs read your real earning power.

Can a Medical Resident Buy a Home in Canada?

Yes, and more easily than the stipend suggests. How projected income lets Canadian residents qualify, when buying beats renting, and what to watch.

Locum Physician Mortgages: Qualifying on Variable Income

How locum and fee-for-service physicians qualify when income varies month to month, which documentation lenders accept, and how to protect your number.

Comparison7 min

Physician Mortgage vs Conventional Mortgage: The Real Difference

What actually separates a physician mortgage from a standard one in Canada, where the value is real, and when a conventional mortgage is the better call.

Qualification6 min

The Mortgage Stress Test for Canadian Physicians

How the B-20 stress test works, what qualifying rate applies, and why physician programs still pass larger purchases using projected income.

Buying as a Fellow: Using a Signed Attending Offer to Qualify

A signed attending offer is the strongest physician qualification profile. How fellows use it to buy at full attending capacity before the first paycheque.

Down Payment6 min

CMHC Insurance and Physician Mortgages: What It Costs

When mortgage insurance is required, what the premium costs, and how insured and conventional physician mortgages compare on a lower down payment.

Can a Medical Resident Buy a Condo in Toronto?

Yes, and many do. How a Toronto resident qualifies for a downtown condo on projected income, with the double land transfer tax and PLOC strategy explained.

Can a Medical Resident Buy a Home in Vancouver?

How a Vancouver resident buys in Canada's least affordable market on projected income, with the BC Property Transfer Tax and first-time exemptions explained.

New Attending Buying a Home in Calgary

How a new Calgary attending buys on a signed contract before the first T4, with Alberta's no-land-transfer-tax advantage and corporate-income qualification.

Buying a Home as a Medical Resident in Ottawa

How an Ottawa resident buys on projected income, with Ontario provincial land transfer tax only and attainable prices versus Toronto.

Affordability6 min

How Much House Can a Doctor Afford in Mississauga?

Real affordability ranges for physicians in Mississauga, with Ontario provincial land transfer tax only and GTA access without the Toronto municipal surcharge.

Dentist Mortgages in Canada: How Dentists Actually Qualify

New dentists can qualify on $175,000 of projected income, in final year of dental school or within 24 months of practising. The real Canadian program rules, plus how associates and practice owners qualify after that window.

Doctor Home Loan Programs in Canada: What Actually Exists

Searching "doctor loan" mostly returns American content. Here is what Canada actually offers physicians: projected-income programs, published qualification amounts, and the honest fine print.

I'm a:Resident Self-Employed Incorporated Investor Renewing

Tools & Calculators