How orthopedic surgeons earn.
Orthopedic surgeons earn high procedural fee-for-service income with hospital appointments, and nearly all attendings incorporate. Training is long, so projected income and signed offers matter during the path to attending.
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.
Incorporated orthopedic surgeons are underqualified on personal T4 alone. Corporate-income programs read corporate revenue and dividends, typically lifting capacity by 50-80%.
Orthopedic Surgery mortgage questions.
How much mortgage can an orthopedic surgeon qualify for in Canada?01
On the physician program's projected income of $300,000 for orthopedic surgeons 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 orthopedic surgeons qualify on actual income, and incorporated orthopedic surgeons on corporate income, which is usually higher.
Can an orthopedic resident buy before becoming an attending?02
Yes. Given the long training path, projected income and a signed fellowship or staff offer let an orthopedic resident or fellow qualify at attending capacity before the first attending paycheque.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.