University of Alberta Hospital
Mortgage strategy for U of A Hospital residents, fellows, and attending staff, in one of the most attainable major markets in Canada.
Why U of A Hospital physicians need a different mortgage path.
The University of Alberta Hospital is Edmonton's primary academic health centre. Edmonton offers some of the most attainable major-market prices in Canada and, with no provincial land transfer tax, very low closing costs, so the main financing lever for physicians is qualification structure.
Built for how U of A Hospital physicians actually earn.
Your stage. Your structure.
U of A Hospital residents qualify on projected attending income under physician programs, with 5-10% down and minimal closing costs given no land transfer tax.
Attending U of A physicians often qualify for detached homes early in their careers, and $3M+ once incorporated, helped by attainable Edmonton prices.
Locum U of A physicians qualify through mixed-income programs accepting T4A and invoice history on an annual basis.
Incorporated U of A physicians qualify on corporate revenue plus dividends rather than personal T4, typically lifting capacity 50-80%.
Straight answers, specific to your hospital.
Does Edmonton have a land transfer tax?01
No. Alberta has no land transfer tax. U of A Hospital physicians pay only modest land title registration fees, usually a few hundred dollars, keeping closing costs very low.
Can a new attending afford a detached home near the U of A Hospital?02
Often yes. Edmonton is among the most attainable major markets in Canada, so detached ownership on attending income is realistic early in a career, especially with no land transfer tax at closing.
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 U of A Hospital.
30 minute call. We look at your stage, signed contracts, PLOC balance, and target purchase. You leave with the actual number you qualify for.
Start the conversation