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Neurology mortgages, done right.

Neurology income mixes consultation, procedural, and often academic appointments. A lender that reads the combination protects your qualification.

The short answer

On the physician program's projected income of $300,000 for neurologists 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 neurologists qualify on actual income, and incorporated neurologists on corporate income, which is usually higher.

$300K
Projected income
Program chart, final year and 36 months after
$1.4M-$2.3M
Typical qualification
Attending, before incorporation uplift
50-80%
Incorporation uplift
Versus personal T4 alone
01

How neurologists earn.

Neurologists earn through consultation and procedural fee-for-service, frequently with academic or hospital appointments. Many attendings incorporate.

Projected income$300,000 projected income, final year and first 36 months of practice (program chart)
Typical qualificationRoughly $1,710,000 on projected income with 20% down
02

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.

$300,000Projected income the program uses
Program specialty chart, "Neurology", final year of training and first 36 months of practice
Source: Physician projected-income program factsheet, September 2023 edition. Full schedule and rules
5 yearsResidency length
The final-year window, where the specialty figure applies, opens in the last of these years and runs 36 months past completion.
Source: Royal College, Neurology specialty training requirements. Source
$338,019Average gross clinical payment per neurologist, 2023-2024
Gross billings before overhead, counting every physician equally whether full time or not, so take-home is lower. This is what an established practice earns; a lender uses it only once you are past the projected-income window.
Source: CIHI, National Physician Database, Payments Data 2023-2024, Table A.3.2, average gross clinical payment per physician, Canada total (released October 30, 2025). CIHI table
1,380neurologists in Canada, 2024
Active physicians, excluding residents and retired physicians.
Source: CIHI, Supply, Distribution and Migration of Physicians in Canada 2024, Table 1.0, physicians by specialty, Canada, as of December 31, 2024. CIHI table
What $300,000 qualifies for
20% down, no student debt$1,710,000
10% down, $150,000 student debt$1,400,000
Contract rate 4.49%, qualifying rate 6.49%, 39% GDS and 44% TDS, property tax 0.75% of price, heating $100 a month, student debt counted at 5.25% over 15 years, program insurance tiers when insured. Rounded to the nearest $10,000. Illustration, not a pre-approval.
03

What matters for your mortgage.

Blended income
Consultation, procedural, and academic income should be combined, not reduced to the easiest stream to document.
Academic appointments
University or hospital stipends are read alongside clinical billing by a physician-friendly lender.
Incorporation
Neurologists with significant clinical income often incorporate and benefit from corporate-income qualification.
04

Incorporation and your qualification.

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

FAQ

Neurology mortgage questions.

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

On the physician program's projected income of $300,000 for neurologists 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 neurologists qualify on actual income, and incorporated neurologists on corporate income, which is usually higher.

How is academic income treated for a neurologist mortgage?02

A physician-friendly lender reads academic or hospital stipends alongside clinical consultation and procedural billing, rather than using only one stream.

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.

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