How pediatricians earn.
Pediatricians earn through salaried hospital roles, fee-for-service clinic billing, and academic appointments, often in combination. Many subspecialists incorporate.
What matters for your mortgage.
Incorporation and your qualification.
Incorporated pediatricians are underqualified by standard lenders reading the T4 only. Corporate-income programs read the corporation, typically lifting capacity by 50-80%.
Pediatrics mortgage questions.
How much mortgage can a pediatrician qualify for in Canada?01
A Canadian pediatrician typically qualifies for $1.3M to $2M on attending income, and more once incorporated. Subspecialists and incorporated pediatricians can qualify for more.
Can a pediatric subspecialty fellow qualify before attending status?02
Yes. Given long subspecialty training, projected income and a signed offer let a pediatric 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.