How cardiologists earn.
Cardiologists earn through fee-for-service billing and hospital appointments, with high attending income. Training is long, and most attendings incorporate.
What matters for your mortgage.
Incorporation and your qualification.
Incorporated cardiologists are underqualified on personal T4 alone. Corporate-income programs read corporate revenue and dividends, typically lifting capacity by 50-80%.
Cardiology mortgage questions.
How much mortgage can a cardiologist qualify for in Canada?01
A Canadian cardiologist typically qualifies for $1.5M to $2.5M on attending income, and $3M or more once incorporated and qualified on corporate income plus dividends.
Can a cardiology fellow qualify before becoming an attending?02
Yes. Given the long training path, projected income and a signed fellowship or staff offer let a cardiology fellow qualify at attending capacity before the first attending paycheque.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.