How dentists earn.
Dentists earn as associates (often percentage-of-billing) or as practice owners with corporate income. Most established dentists incorporate, and practice ownership adds business income and debt to the qualification picture.
The numbers, with sources.
Nothing on this page is a guess. The projected income comes from the program chart, the qualification figures are computed from it with the same ratios a lender applies, and the income data comes from public reporting.
What matters for your mortgage.
Incorporation and your qualification.
Incorporated dentists who take a modest salary are underqualified by standard lenders. Professional and corporate-income programs read the practice corporation, typically lifting capacity by 50-80%.
Dentistry mortgage questions.
How much mortgage can a dentist qualify for in Canada?01
The dentist projected-income program qualifies final-year students and dentists in their first 24 months of practice on $175,000. On that figure the debt-service ratios allow roughly $990,000 with 20% down and no student debt, or about $740,000 with 10% down and $150,000 of student debt. Established dentists qualify on actual income, and practice owners on corporate income, which is usually higher.
Do dentists get professional mortgage programs like physicians?02
Yes. Dentists access professional and healthcare lender programs comparable to physician programs, with qualification built around practice income and corporate structure. Practice ownership and any practice debt factor into the picture.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.