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

Plain-language guides for Canadian doctors on buying, borrowing and renewing, from first year of residency to an incorporated practice.

Start with the full guide.

The Physician Mortgage Guide, Canada 2026Canadian physician mortgage planning: documents, qualifying income, professional debt, down payment and the conditions to confirm before buying.
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.
Doctor Home Loan Programs in Canada: What Actually ExistsSearching "doctor loan" mostly returns American content. Here is what Canada actually offers physicians: projected-income programs, published qualification amounts, and the fine print.

Residents and fellows.

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.
Buying as a Fellow: Using a Signed Attending Offer to QualifyA signed attending offer is the strongest physician qualification profile. How fellows use it to buy at full attending capacity before the first paycheque.
Residents and Fellows: How Your Qualifying Income Moves Through TrainingResidents and fellows use one projected-income schedule. Here is the figure at each stage, when the specialty chart takes over, and what the lender still checks.
Projected income after residency: the 36-month windowProjected income covers your final year and 36 months after completion. Here is how the window works, why the chart figure is usually conservative, and how to sequence a purchase in your first three years.
Does the Stress Test Apply to Projected Income, and What Rate Does a Resident Get Tested At?The stress test runs on the projected income figure like any other income. Here is the rate a resident gets tested at, where it shows up twice, and what moves the number.

Incorporated, locum and dental practice.

Incorporated Physician Mortgages: Qualifying on Corporate IncomeWhy incorporated physicians get underqualified by standard lenders, and how corporate-income programs read your real earning power.
How a Lender Reads Your Corporation When You Pay a Small SalarySalary only, salary plus dividends, or corporate income with an accountant letter. How each reading works, what two years of statements show, and why the projected-income window changes the math.
Will Budget 2026 Change the Small Business Deduction for a Medical Corporation?The small business deduction rules that apply to a medical corporation today, the rates and business limits, and how to read the Budget 2026 date without acting on speculation.
Locum Physician Mortgages: Qualifying on Variable IncomeHow locum and fee-for-service physicians qualify when income varies month to month, which documentation lenders accept, and how to protect your number.
Dentist Mortgages in Canada: How Dentists Actually QualifyNew 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.

Down payment, insurance and the stress test.

Physician Mortgage Down Payment: How Much and Where It Comes FromThe real down payment rules for Canadian physician programs, from 5% minimums to PLOC and gifted funds, plus how the source affects your mortgage.
CMHC Insurance and Physician Mortgages: What It CostsWhen mortgage insurance is required, what the premium costs, and how insured and conventional physician mortgages compare on a lower down payment.
The Mortgage Stress Test for Canadian PhysiciansHow the B-20 stress test works, what qualifying rate applies, and why physician programs still pass larger purchases using projected income.

Your line of credit.

Physician Line of Credit (PLOC): The Complete Strategy GuideWhat a PLOC is, how lenders count it against your mortgage, and the four ways to use it well, from down payment to bridge financing.
The Bank of Canada Decision This Week and Your Line of CreditYour professional line of credit floats with prime, but your mortgage qualification does not move with a single announcement. Here is the mechanism, the numbers, and what to leave alone.

Rates, programs and renewals.

Do Physicians Get Better Mortgage Rates in Canada?Physician mortgage rates in plain terms: where the discounts are real, where the bigger value actually sits, and how to avoid overpaying at renewal.
Comparing Canadian Physician Mortgage Programs: How to Pick YoursEvery 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.
Physician Mortgage vs Conventional Mortgage: The Real DifferenceWhat 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.
Renewing Your Physician Mortgage on Real IncomeYou qualified as a resident on a flat projected figure. At renewal the lender reads verified income, a lower balance, and maybe a corporation. Here is what to change.
How renewals workRate comparison, renewal timing, and when to shop the file.

By city.

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.
Buying a Home as a Medical Resident in OttawaHow an Ottawa resident buys on projected income, with Ontario provincial land transfer tax only and attainable prices versus Toronto.
New Attending Buying a Home in CalgaryHow 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.
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.

Guides by career stage.

Residents
Incorporated physicians
Locum and self-employed physicians
Renewing your mortgage
Investment property
Moving to Canada
The projected income schedule
Mortgage terms, explained

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How much home can you afford?Projected income, student debt and your line of credit
Rent vs buy during residencyYour city and years left in training
Grade my mortgageAlready have one? Your rate against today’s physician rates
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Jeff Mudrick, Lic. #M21001275Emily Mudrick, Lic. #M26000497BRX Mortgage Inc., Lic. #13463Taylor Atkinson, Licence #MB600364Craig Austin, Lic. #M19001164, Tango Ontario, FSRA #13691
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