Markham Stouffville Hospital
Mortgage strategy for physicians at Oak Valley Health, living in York Region without the City of Toronto municipal land transfer tax.
Why MSH physicians need a different mortgage path.
Markham Stouffville Hospital, part of Oak Valley Health, serves a fast-growing York Region community with strong access to the University of Toronto teaching network. Because Markham is outside the City of Toronto, physicians here avoid the municipal land transfer tax, materially lowering closing costs versus a downtown purchase.
Built for how MSH physicians actually earn.
Your stage. Your structure.
Residents qualify on projected attending income with 5-10% down. York Region tax treatment keeps closing costs lower than an equivalent Toronto purchase.
Attending physicians at Markham Stouffville commonly qualify for $2M+ on signed contracts before the first T4, with corporate income lifting capacity further.
Locum and part-time physicians qualify through mixed-income programs accepting T4A plus invoice history.
Incorporated physicians qualify on corporate revenue plus dividend history rather than personal T4 alone.
Straight answers, specific to your hospital.
Does Markham charge the Toronto land transfer tax?01
No. Markham is in York Region, so buyers pay only the Ontario provincial land transfer tax, roughly $20,500 on a $1.2M home, about $20,000 less than the same purchase inside Toronto.
How much can a Markham Stouffville attending qualify for?02
An attending typically qualifies for $2M or more on a signed contract before the first T4, and higher once incorporated.
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 MSH.
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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