How dermatologists earn.
Dermatologists combine insured medical fee-for-service billing with cosmetic and private revenue, frequently through a professional corporation. Income is high and the corporate structure is central.
What matters for your mortgage.
Incorporation and your qualification.
Dermatology corporations retain significant income beyond the salary drawn. Corporate-income programs read corporate revenue and dividends, typically lifting capacity by 50-80%.
Dermatology mortgage questions.
How much mortgage can a dermatologist qualify for in Canada?01
A Canadian dermatologist typically qualifies for $1.5M to $2.5M or more on attending income, and higher once incorporated and qualified on corporate income plus dividends.
How is cosmetic and medical income combined for a dermatologist mortgage?02
A physician-friendly lender reads both insured medical billing and cosmetic revenue through the corporation, rather than only the salary drawn, which captures the dermatologist's real earning power.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.