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.
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.
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
On the physician program's projected income of $300,000 for dermatologists in the final year of training and the first 36 months of practice, the debt-service ratios allow roughly $1,710,000 with 20% down and no student debt, or about $1,400,000 with 10% down and $150,000 of student debt. Established dermatologists qualify on actual income, and incorporated dermatologists on corporate income, which is usually higher.
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.