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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

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

$300K
Projected income
Program chart, final year and 36 months after
$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 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, "Obstetrics and Gynecology", 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, Obstetrics and Gynecology specialty training requirements. Source
$433,909Average gross clinical payment per OB/GYN, 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
2,579OB/GYNs 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 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.
04

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

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

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

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