Kingston Health Sciences Centre
Mortgage strategy for residents, fellows, and attendings across the Kingston General and Hotel Dieu sites. Built around the Queen's University training timeline and attainable Kingston prices.
Why KHSC physicians need a different mortgage path.
Kingston Health Sciences Centre is the teaching hospital for Queen's University, with a large resident and fellow population rotating through the Kingston General and Hotel Dieu sites. Kingston home prices sit well below the GTA, and only the Ontario provincial land transfer tax applies, which makes buying during training unusually practical here.
Built for how KHSC physicians actually earn.
Your stage. Your structure.
Queen's residents qualify on projected attending income with 5-10% down. At Kingston prices around $700K, carrying costs are well within reach during training, and student debt is structured rather than disqualifying.
Attending physicians at KHSC commonly qualify for $1.4M+ on signed contracts before the first attending T4, more than enough for most Kingston purchases, with room for incorporated income.
Locum and part-time KHSC physicians qualify through mixed-income programs that accept T4A plus invoice history.
Incorporated KHSC physicians qualify on corporate revenue plus dividend history rather than personal T4 alone.
Straight answers, specific to your hospital.
Can a Queen's resident buy a home in Kingston?01
Yes. A physician program lets a Queen's resident qualify on projected attending income with 5-10% down. At Kingston prices around $700K, this is one of the more attainable markets in Ontario to buy during training.
How much is land transfer tax in Kingston?02
Kingston charges only the Ontario provincial land transfer tax, roughly $10,500 on a $700,000 home, with no municipal surcharge.
How much can a KHSC attending qualify for?03
A KHSC attending typically qualifies for $1.4M or more on a signed contract before the first T4, and higher once incorporated and qualified on corporate income.
Other hospitals in the same network.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.
Let's map your mortgage path at KHSC.
30 minute call. We look at your stage, signed contracts, PLOC balance, and target purchase. You leave with the actual number you qualify for.
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