How oncologists earn.
Oncologists (medical, radiation, surgical) often earn salaried hospital income with academic appointments and some fee-for-service. Income is stable, and many incorporate.
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.
What matters for your mortgage.
Incorporation and your qualification.
Where oncologists incorporate, corporate-income programs read corporate revenue and dividends rather than the T4 alone, typically lifting capacity by 50-80%.
Oncology mortgage questions.
How much mortgage can an oncologist qualify for in Canada?01
On the physician program's projected income of $300,000 for oncologists 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 oncologists qualify on actual income, and incorporated oncologists on corporate income, which is usually higher.
Does oncology subspecialty affect mortgage qualification?02
Yes. Medical, radiation, and surgical oncology differ in income and structure, so projected income and qualification scale with the specific subspecialty.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.