How pediatricians earn.
Pediatricians earn through salaried hospital roles, fee-for-service clinic billing, and academic appointments, often in combination. Many subspecialists incorporate.
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 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
On the physician program's projected income of $300,000 for pediatricians 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 pediatricians qualify on actual income, and incorporated pediatricians on corporate income, which is usually higher.
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.