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.
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 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
On the physician program's projected income of $300,000 for plastic surgeons 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 plastic surgeons qualify on actual income, and incorporated plastic surgeons on corporate income, which is usually higher.
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.