Mortgage strategy, hospital by hospital.

Where you train or practise sets your home prices, your transfer tax and your resident pay. Start with your hospital.

28Hospitals with their own page
9Provinces covered
$185,000Income lenders can use from PGY-1

Ontario

University Health NetworkToronto. For residents, fellows, and attendings across Toronto General, Toronto Western, Princess Margaret, Toronto Rehab, and the Michener Institute.
The Hospital for Sick ChildrenToronto. For SickKids paediatric residents, fellows, and attending specialists.
Mount Sinai HospitalToronto. For Mount Sinai and Sinai Health physicians.
St. Michael's HospitalToronto. For St. Michael's Hospital and Unity Health Toronto physicians.
Sunnybrook Health Sciences CentreToronto. For Sunnybrook physicians across trauma, oncology, cardiac, and academic specialty practice.
McMaster University Medical CentreHamilton. For McMaster residents, fellows, and Hamilton Health Sciences attendings, in a market more attainable than Toronto with no municipal land transfer tax.
The Ottawa HospitalOttawa. For Ottawa Hospital physicians across the Civic, General, and Riverside campuses.
Children's Hospital of Eastern OntarioOttawa. For CHEO paediatric residents, fellows, and attending specialists.
London Health Sciences CentreLondon. For LHSC residents, fellows, and attending staff at Western University, in an attainable Southwestern Ontario market.
Kingston Health Sciences CentreKingston. For residents, fellows, and attendings across the Kingston General and Hotel Dieu sites.
Markham Stouffville HospitalMarkham. For physicians at Oak Valley Health, living in York Region without the City of Toronto municipal land transfer tax.
Cortellucci Vaughan HospitalVaughan. For physicians at Mackenzie Health's Vaughan site, Ontario's first new hospital in roughly thirty years, with York Region tax treatment.
Oakville Trafalgar Memorial HospitalOakville. For physicians at this modern Halton Healthcare site, in one of the GTA's most expensive suburbs, with no City of Toronto land transfer tax.
Joseph Brant HospitalBurlington. For Burlington physicians, with lakefront living, Halton Region tax treatment, and easy reach to McMaster and Hamilton Health Sciences.
Windsor Regional HospitalWindsor. For Windsor physicians, where lower prices mean smaller mortgages and faster equity.

British Columbia

Vancouver General HospitalVancouver. For VGH residents, fellows, and attending staff, built around UBC training timelines and the realities of buying in Metro Vancouver.
St. Paul's HospitalVancouver. For St. Paul's residents, fellows, and attending staff, built around UBC training and downtown Vancouver purchase realities.
Kelowna General HospitalKelowna. For residents, fellows, and attendings at the interior's main teaching and referral centre.
Surrey Memorial HospitalSurrey. For residents, fellows, and attendings at one of BC's busiest acute care centres.

Alberta

Foothills Medical CentreCalgary. For Foothills residents, fellows, and attending staff, in a city with no land transfer tax.
University of Alberta HospitalEdmonton. For U of A Hospital residents, fellows, and attending staff, in one of the most attainable major markets in Canada.

Quebec

McGill University Health CentreMontreal. For MUHC residents, fellows, and attending staff, within Quebec's distinct welcome-tax and notary-based system.
Centre hospitalier de l'Universite de MontrealMontreal. For CHUM residents, fellows, and attending staff, within Quebec's distinct welcome-tax and notary-based system.

Nova Scotia

QEII Health Sciences CentreHalifax. For QEII residents, fellows, and attending staff, the hub of Atlantic Canada's medical training at Dalhousie.

Manitoba

Health Sciences Centre WinnipegWinnipeg. For HSC Winnipeg residents, fellows, and attending staff, in one of Canada's most affordable major markets.

Newfoundland and Labrador

Health Sciences Centre (St. John's)St. John's. For Memorial University physicians in St. John's, in one of the lowest closing-cost provinces in Canada, with no conventional land transfer tax.

New Brunswick

The Moncton HospitalMoncton. For physicians at Horizon Health's Moncton site, with a simple 1% property transfer tax.

Prince Edward Island

Queen Elizabeth Hospital (Charlottetown)Charlottetown. For physicians at PEI's main acute care site, where qualifying first-time buyers often pay no property transfer tax at all.

Don’t see your hospital?

Physician programs qualify you by credential and stage of training, not by hospital. If you train or practise at any Canadian academic centre or community hospital, the same rules apply: $185,000 in PGY-1 and PGY-2, $225,000 from PGY-3, and the specialty chart in your final year and first 36 months in practice.

Tell us where you work

Physician mortgages by city.

Physician mortgages in Toronto
Physician mortgages in Hamilton
Physician mortgages in Ottawa
Physician mortgages in Vancouver
Physician mortgages in Calgary
Physician mortgages in Edmonton
Physician mortgages in Montreal
Physician mortgages in Halifax
Physician mortgages in Winnipeg
Physician mortgages in London
Physician mortgages in Kingston
Physician mortgages in Kelowna
Physician mortgages in Surrey
Physician mortgages in Markham
Physician mortgages in Vaughan
Physician mortgages in Oakville
Physician mortgages in Burlington
Physician mortgages in Windsor
Physician mortgages in St. John's
Physician mortgages in Moncton
Physician mortgages in Charlottetown

Run the numbers before you decide.

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How much home can you afford?Projected income, student debt and your line of credit
Resident salary by provinceEvery provincial grid, and what it qualifies for
Rent vs buyYour city and years left in training
Jeff Mudrick
Emily Mudrick
Taylor Atkinson
Craig Austin
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Jeff, Emily, Taylor and Craig
Mortgage agents and brokers
Ontario, BC and Alberta

Starting at a new hospital?

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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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