By Hospital

Mortgage strategy, hospital by hospital.

Physician mortgages are not one-size-fits-all. The right lender, income structure, and down payment strategy depend on where you train, where you practise, and the cost of housing near your hospital. Start with yours.

Toronto
University Health Network
University of Toronto

Mortgage strategy for residents, fellows, and attendings across Toronto General, Toronto Western, Princess Margaret, Toronto Rehab, and the Michener Institute.

The Hospital for Sick Children
University of Toronto

Mortgage strategy for SickKids paediatric residents, fellows, and attending specialists.

Mount Sinai Hospital
Sinai Health / University of Toronto

Mortgage strategy for Mount Sinai and Sinai Health physicians.

St. Michael's Hospital
Unity Health Toronto / University of Toronto

Mortgage strategy for St.

Sunnybrook Health Sciences Centre
University of Toronto

Mortgage strategy for Sunnybrook physicians across trauma, oncology, cardiac, and academic specialty practice.

Hamilton
McMaster University Medical Centre
McMaster University / Hamilton Health Sciences

Mortgage strategy for McMaster residents, fellows, and Hamilton Health Sciences attendings.

Ottawa
The Ottawa Hospital
University of Ottawa

Mortgage strategy for Ottawa Hospital physicians across the Civic, General, and Riverside campuses.

Children's Hospital of Eastern Ontario
University of Ottawa

Mortgage strategy for CHEO paediatric residents, fellows, and attending specialists.

Vancouver
Vancouver General Hospital
University of British Columbia

Mortgage strategy for VGH residents, fellows, and attending staff, built around UBC training timelines and the realities of buying in Metro Vancouver.

St. Paul's Hospital
University of British Columbia

Mortgage strategy for St.

Calgary
Foothills Medical Centre
University of Calgary

Mortgage strategy for Foothills residents, fellows, and attending staff, in one of the most physician-friendly markets in Canada.

Edmonton
University of Alberta Hospital
University of Alberta

Mortgage strategy for U of A Hospital residents, fellows, and attending staff, in one of the most attainable major markets in Canada.

Montreal
McGill University Health Centre
McGill University

Mortgage strategy for MUHC residents, fellows, and attending staff, within Quebec's distinct welcome-tax and notary-based system.

Centre hospitalier de l'Universite de Montreal
Universite de Montreal

Mortgage strategy for CHUM residents, fellows, and attending staff, within Quebec's distinct welcome-tax and notary-based system.

Halifax
QEII Health Sciences Centre
Dalhousie University

Mortgage strategy for QEII residents, fellows, and attending staff, the hub of Atlantic Canada's medical training at Dalhousie.

Winnipeg
Health Sciences Centre Winnipeg
University of Manitoba

Mortgage strategy for HSC Winnipeg residents, fellows, and attending staff, in one of Canada's most affordable major markets.

London
London Health Sciences Centre
Western University

Mortgage strategy for LHSC residents, fellows, and attending staff at Western University, in an attainable Southwestern Ontario market.

Kingston
Kingston Health Sciences Centre
Queen's University

Mortgage strategy for residents, fellows, and attendings across the Kingston General and Hotel Dieu sites.

Kelowna
Kelowna General Hospital
UBC Okanagan / Interior Health

Mortgage strategy for residents, fellows, and attendings at the interior's main teaching and referral centre.

Surrey
Surrey Memorial Hospital
Fraser Health / UBC

Mortgage strategy for residents, fellows, and attendings at one of BC's busiest acute care centres.

Markham
Markham Stouffville Hospital
Oak Valley Health

Mortgage strategy for physicians at Oak Valley Health, living in York Region without the City of Toronto municipal land transfer tax.

Vaughan
Cortellucci Vaughan Hospital
Mackenzie Health

Mortgage strategy for physicians at Mackenzie Health's Vaughan site, Ontario's first new hospital in roughly thirty years, with York Region tax treatment.

Oakville
Oakville Trafalgar Memorial Hospital
Halton Healthcare

Mortgage strategy 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.

Burlington
Joseph Brant Hospital
Halton / McMaster-affiliated

Mortgage strategy for Burlington physicians, with lakefront living, Halton Region tax treatment, and easy reach to McMaster and Hamilton Health Sciences.

Windsor
Windsor Regional Hospital
Schulich (Western) - Windsor

Mortgage strategy for Windsor physicians, in Ontario's most affordable metro, where lower prices mean smaller mortgages and faster equity.

St. John's
Health Sciences Centre (St. John's)
Memorial University

Mortgage strategy for Memorial University physicians in St.

Moncton
The Moncton Hospital
Horizon Health / Dalhousie

Mortgage strategy for physicians at Horizon Health's Moncton site, in New Brunswick's fastest-growing city, with a simple 1% property transfer tax.

Charlottetown
Queen Elizabeth Hospital (Charlottetown)
Health PEI / Dalhousie-affiliated

Mortgage strategy 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?

We work with every Canadian physician, not just the ones with pages.

Physician-program qualification is by credential, not by hospital. If you train or practise at a Canadian academic centre or community hospital, the same structures apply.

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