How anesthesiologists earn.
Anesthesiologists are typically fee-for-service or salaried hospital-based physicians, and the large majority of attendings incorporate. Income is high and relatively stable, which lenders value.
What matters for your mortgage.
Incorporation and your qualification.
An incorporated anesthesiologist grossing $500K through the corporation may take a $180K T4. Standard lenders value that at $180K. Corporate-income programs read the corporation, typically lifting qualification by 50-80%.
Anesthesiology mortgage questions.
How much mortgage can an anesthesiologist qualify for in Canada?01
A Canadian anesthesiologist typically qualifies for $1.5M to $2.5M on attending income, and $3M or more once incorporated and qualified on corporate income plus dividend history. High projected income makes it one of the strongest physician profiles.
Should an anesthesiologist qualify on corporate or personal income?02
Almost always corporate. Most anesthesiologists incorporate and take a modest T4, so personal-income qualification dramatically understates earning power. A corporate-income program reads the corporation and typically lifts qualification by 50-80%.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.