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Internal Medicine mortgages, done right.

General internal medicine blends inpatient and consultation billing, often with academic work. A lender that reads the combination protects your qualification.

The short answer

A Canadian general internist typically qualifies for $1.4M to $2.2M on attending income, and more once incorporated. Income blends inpatient and consultation fee-for-service, sometimes with academic appointments.

~$300K+
Projected attending income
Typical general internal medicine projection
$1.4M-$2.2M
Typical qualification
Attending, before incorporation uplift
50-80%
Incorporation uplift
Versus personal T4 alone
01

How internists earn.

General internists earn inpatient and consultation fee-for-service income, frequently with academic or hospital appointments. Many attendings incorporate.

Projected incomeAround $300,000+ projected attending income
Typical qualification$1.4M - $2.2M attending; more when incorporated
02

What matters for your mortgage.

Inpatient + consultation income
Inpatient and consultation billing should be read together, not reduced to one stream.
Academic appointments
University or hospital stipends are read alongside clinical billing by a physician-friendly lender.
Incorporation
Internists with significant clinical income often incorporate and benefit from corporate-income qualification.
03

Incorporation and your qualification.

Incorporated internists are underqualified by standard lenders reading the T4 only. Corporate-income programs read the corporation, typically lifting capacity by 50-80%.

FAQ

Internal Medicine mortgage questions.

How much mortgage can an internist qualify for in Canada?01

A Canadian general internist typically qualifies for $1.4M to $2.2M on attending income, and more once incorporated and qualified on corporate income plus dividends.

How is hospitalist income treated for an internist mortgage?02

A physician-friendly lender reads inpatient or hospitalist income alongside consultation and academic billing, rather than using only one stream.

Keep reading
How much can a physician qualify for
Incorporated physician mortgages
Cardiology mortgages

Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.

Internal Medicine

A mortgage that reads your income the way it actually works.

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