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.
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
A Canadian orthopedic surgeon typically qualifies for $1.8M to $3M on attending income, and higher once incorporated and qualified on corporate income plus dividends.
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.