Public rates are only the starting line for doctors.
Physician pricing depends on career stage, down payment, PLOC structure, incorporation, income documentation, property type, and whether the file belongs in a bank physician program, broker channel, or private banking channel.
A lower posted rate is not automatically the better mortgage.
Projected income matters more than today's stipend. The right lender may qualify the file on a signed future contract, while another lender may only use current income.
The best rate depends on income stability, debt load, down payment, amortization, and whether a physician program or broker-channel lender has the cleaner approval path.
A low rate is not useful if the lender cannot read corporate income properly. T4, dividends, retained earnings, and corporate tax documents change the answer.
High-income or high-asset physicians may have a separate pricing path. That quote should be compared against broker-channel rates before signing.
The live rate table is unavailable right now.
When current verified rate-sheet data is available, this page shows a filtered report for physician-relevant lender paths. If the feed is unavailable, we do not publish stale lender tables or pretend the numbers are current.
For a real quote, use the mortgage review flow. The answer depends on the exact file, not only the public rate sheet.
Get the rate that fits your file.
Send the mortgage, income, and PLOC picture. We will compare the structure before you renew, buy, or move lenders.
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