How physiatrists earn.
Physiatrists earn rehabilitation consultation and procedural fee-for-service income, often with hospital or academic appointments. Many attendings 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 physiatrists are underqualified by standard lenders reading the T4 only. Corporate-income programs read the corporation, typically lifting capacity by 50-80%.
Physical Medicine and Rehabilitation mortgage questions.
How much mortgage can a physiatrist qualify for in Canada?01
On the physician program's projected income of $300,000 for physiatrists 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 physiatrists qualify on actual income, and incorporated physiatrists on corporate income, which is usually higher.
Is procedural income counted for a physiatrist mortgage?02
Yes. A physician-friendly lender reads procedural billing such as injections alongside rehabilitation consultation income through the corporation.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.