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.
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.
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%.
Radiology mortgage questions.
How much mortgage can a radiologist qualify for in Canada?01
On the physician program's projected income of $300,000 for radiologists 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 radiologists qualify on actual income, and incorporated radiologists on corporate income, which is usually higher.
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.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.