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Obstetrics and Gynecology mortgages, done right.

OB/GYN income blends surgical, clinic, and on-call billing, usually through a corporation. The right lender reads the full picture, which sets your qualification.

The short answer

A Canadian OB/GYN typically qualifies for $1.5M to $2.5M on attending income, and $3M or more once incorporated and qualified on corporate income plus dividends. Income blends surgical, clinic, and on-call fee-for-service, and most attendings incorporate.

~$375K+
Projected attending income
Among the higher specialty projections
$3M+
Incorporated qualification
On corporate income plus dividends
50-80%
Incorporation uplift
Versus personal T4 alone
01

How OB/GYNs earn.

OB/GYNs earn through surgical fees, clinic billing, and on-call income, predominantly fee-for-service, and most attendings incorporate. Income is high and the corporate structure is central to qualification.

Projected incomeAround $375,000+ projected attending income
Typical qualification$1.5M - $2.5M attending; $3M+ incorporated
02

What matters for your mortgage.

Blended surgical + clinic income
Surgical fees, clinic billing, and on-call income should be read together through the corporation, not reduced to one stream.
Incorporation is the norm
Most OB/GYNs incorporate. Corporate-income qualification captures income left in the corporation for tax deferral.
High capacity
High income supports large, often conventional, purchases where penalty type and prepayment matter as much as rate.
03

Incorporation and your qualification.

Incorporated OB/GYNs taking a modest T4 are underqualified by standard lenders. Corporate-income programs read corporate revenue and dividends, typically lifting capacity by 50-80%.

FAQ

Obstetrics and Gynecology mortgage questions.

How much mortgage can an OB/GYN qualify for in Canada?01

A Canadian OB/GYN typically qualifies for $1.5M to $2.5M on attending income, and $3M or more once incorporated and qualified on corporate income plus dividend history.

How is on-call and surgical income combined for an OB/GYN mortgage?02

A physician-friendly lender reads surgical fees, clinic billing, and on-call income together through the corporation, rather than only the salary drawn, capturing the OB/GYN's real earning power.

Keep reading
Incorporated physician mortgages
How much can a physician qualify for
Surgeon 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.

Obstetrics and Gynecology

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

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