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Nephrology mortgages, done right.

Nephrology blends consultation with dialysis oversight and often academic appointments. A lender that reads the combination protects your qualification.

The short answer

A Canadian nephrologist typically qualifies for $1.4M to $2.3M on attending income, and more once incorporated. Income blends consultation with dialysis oversight and sometimes academic appointments.

~$320K+
Projected attending income
Typical nephrology projection
$1.4M-$2.3M
Typical qualification
Attending, before incorporation uplift
50-80%
Incorporation uplift
Versus personal T4 alone
01

How nephrologists earn.

Nephrologists earn consultation income plus dialysis program oversight, frequently with academic or hospital appointments. Many attendings incorporate.

Projected incomeAround $320,000+ projected attending income
Typical qualification$1.4M - $2.3M attending; more when incorporated
02

What matters for your mortgage.

Blended income
Consultation, dialysis oversight, and academic income should be combined, not reduced to one stream.
Stable program income
Dialysis program income tends to be steady and is read favourably by a physician-friendly lender.
Incorporation
Nephrologists with significant clinical income often incorporate and benefit from corporate-income qualification.
03

Incorporation and your qualification.

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

FAQ

Nephrology mortgage questions.

How much mortgage can a nephrologist qualify for in Canada?01

A Canadian nephrologist typically qualifies for $1.4M to $2.3M on attending income, and more once incorporated and qualified on corporate income plus dividends.

Is dialysis oversight income counted for a nephrologist mortgage?02

Yes. A physician-friendly lender reads dialysis program oversight alongside consultation and academic income through the corporation.

Keep reading
How much can a physician qualify for
Incorporated physician mortgages
Self-employed physicians

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

Nephrology

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

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