How ophthalmologists earn.
Ophthalmologists combine surgical and clinic fee-for-service billing, often with strong margins, and almost all attendings incorporate. Income is among the highest in medicine.
What matters for your mortgage.
Incorporation and your qualification.
Ophthalmology corporations hold significant income beyond the T4 salary drawn. Corporate-income programs read corporate revenue and dividends, typically lifting capacity by 50-80% or more.
Ophthalmology mortgage questions.
How much mortgage can an ophthalmologist qualify for in Canada?01
A Canadian ophthalmologist typically qualifies for $1.8M to $3M or more on attending income, among the highest of any specialty, and higher once incorporated. Ophthalmology carries one of the highest projected attending incomes used by physician programs, up to roughly $379,000.
Why do ophthalmologists qualify for such large mortgages?02
Ophthalmology has one of the highest projected attending incomes in medicine, and almost all attendings incorporate. Corporate-income qualification captures that high income, supporting large, often conventional, purchases.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.