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Otolaryngology (ENT) mortgages, done right.

ENT pairs surgical and clinic billing, usually through a corporation. A lender that reads the combination protects your qualification.

The short answer

A Canadian otolaryngologist (ENT) typically qualifies for $1.6M to $2.6M on attending income, and $3M or more once incorporated. Income blends surgical and clinic fee-for-service, and most attendings incorporate.

~$400K+
Projected attending income
Among the higher specialty projections
$3M+
Incorporated qualification
On corporate income plus dividends
50-80%
Incorporation uplift
Versus personal T4 alone
01

How otolaryngologists earn.

Otolaryngologists earn surgical and clinic fee-for-service income with hospital appointments, and most attendings incorporate. Income is strong and stable.

Projected incomeAround $400,000+ projected attending income
Typical qualification$1.6M - $2.6M attending; $3M+ incorporated
02

What matters for your mortgage.

Surgical + clinic income
A physician-friendly lender reads combined surgical and clinic billing through the corporation.
Incorporation is the norm
Most ENT surgeons incorporate; corporate qualification captures income left in the corporation.
High capacity
Strong income supports large, often conventional, purchases.
03

Incorporation and your qualification.

Incorporated ENT surgeons are underqualified on personal T4 alone. Corporate-income programs read corporate revenue and dividends, typically lifting capacity by 50-80%.

FAQ

Otolaryngology (ENT) mortgage questions.

How much mortgage can an ENT surgeon qualify for in Canada?01

A Canadian otolaryngologist typically qualifies for $1.6M to $2.6M on attending income, and $3M or more once incorporated and qualified on corporate income plus dividends.

Should an ENT surgeon qualify on corporate income?02

Usually. Most otolaryngologists incorporate and take a modest T4, so corporate-income qualification reads the corporation and typically lifts capacity by 50-80%.

Keep reading
Surgeon mortgages
Incorporated physician mortgages
How much can a physician qualify for

Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.

Otolaryngology (ENT)

A mortgage that reads your income the way it actually works.

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