How plastic surgeons earn.
Plastic surgeons earn from insured reconstructive surgery plus private-pay cosmetic work, almost always through a corporation. Cosmetic revenue can be substantial and is read through the corporation.
What matters for your mortgage.
Incorporation and your qualification.
Incorporated plastic surgeons are underqualified on personal T4 alone. Corporate-income programs read corporate revenue and dividends, typically lifting capacity by 50-80%.
Plastic Surgery mortgage questions.
How much mortgage can a plastic surgeon qualify for in Canada?01
A Canadian plastic surgeon typically qualifies for $1.8M to $3M on attending income, and higher once incorporated and qualified on corporate income plus dividends.
Is cosmetic income counted for a plastic surgeon mortgage?02
Yes. A physician-friendly lender reads private-pay cosmetic revenue alongside insured reconstructive billing through the corporation, rather than only the salary drawn.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.