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Radiology mortgages, done right.

Radiology is a high-earning, heavily incorporated specialty, often with partnership or group structures. Reading that structure correctly is the qualification.

The short answer

A Canadian radiologist typically qualifies for $1.5M to $2.5M on attending income, and $3M or more once incorporated and qualified on corporate income. Group and partnership structures common in radiology require a lender that can read corporate and partnership income.

~$350K+
Projected attending income
Among the higher specialty projections
$3M+
Incorporated qualification
On corporate or partnership income
50-80%
Incorporation uplift
Versus personal T4 alone
01

How radiologists earn.

Radiologists are frequently fee-for-service through group practices or partnerships, and most attendings incorporate. Income is high, and the corporate or partnership structure is central to qualification.

Projected incomeAround $350,000+ projected attending income
Typical qualification$1.5M - $2.5M attending; $3M+ incorporated
02

What matters for your mortgage.

Group and partnership income
Radiology income often flows through a group or partnership. The lender must read partnership distributions and corporate income, not just T4.
High capacity
High income supports large purchases, frequently in conventional territory where structure and penalty type matter.
Incorporation is standard
Most radiologists incorporate. Corporate-income qualification captures the income left in the corporation for tax deferral.
03

Incorporation and your qualification.

Radiology corporations and partnerships hold significant income that a personal T4 never shows. Corporate and partnership-income programs read distributions and retained earnings, typically lifting qualification by 50-80%.

FAQ

Radiology mortgage questions.

How much mortgage can a radiologist qualify for in Canada?01

A Canadian radiologist typically qualifies for $1.5M to $2.5M on attending income, and $3M or more once incorporated and qualified on corporate or partnership income plus dividends.

How is radiology partnership income treated for a mortgage?02

Partnership and group income must be read through partnership distributions and corporate statements, not just personal T4. A physician-friendly lender uses the full structure, which protects qualification for radiologists in group practices.

Keep reading
Incorporated physician mortgages
How much can a physician qualify for
Incorporated physicians (overview)

Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.

Radiology

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