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Respirology mortgages, done right.

Respirology blends consultation with procedural billing and often academic appointments. A lender that reads the combination protects your qualification.

The short answer

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

$300K
Projected income
Program chart, final year and 36 months after
$1.4M-$2.3M
Typical qualification
Attending, before incorporation uplift
50-80%
Incorporation uplift
Versus personal T4 alone
01

How respirologists earn.

Respirologists earn consultation and procedural fee-for-service income, often with academic or hospital appointments. Many attendings incorporate.

Projected income$300,000 projected income, final year and first 36 months of practice (program chart)
Typical qualificationRoughly $1,710,000 on projected income with 20% down
02

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.

$300,000Projected income the program uses
Program specialty chart, "Respirology", final year of training and first 36 months of practice
Source: Physician projected-income program factsheet, September 2023 edition. Full schedule and rules
6 yearsResidency length
The final-year window, where the specialty figure applies, opens in the last of these years and runs 36 months past completion.
Source: Royal College: four years of internal medicine plus the subspecialty program; the subspecialty documents allow up to one year of overlap, so time to certification is often a year less. Source
CIHI reports respirology inside its internal medicine group ($447,078 average in 2023-2024), so no separate figure exists.
854respirologists in Canada, 2024
Active physicians, excluding residents and retired physicians.
Source: CIHI, Supply, Distribution and Migration of Physicians in Canada 2024, Table 1.0, physicians by specialty, Canada, as of December 31, 2024. CIHI table
What $300,000 qualifies for
20% down, no student debt$1,710,000
10% down, $150,000 student debt$1,400,000
Contract rate 4.49%, qualifying rate 6.49%, 39% GDS and 44% TDS, property tax 0.75% of price, heating $100 a month, student debt counted at 5.25% over 15 years, program insurance tiers when insured. Rounded to the nearest $10,000. Illustration, not a pre-approval.
03

What matters for your mortgage.

Procedural income
Bronchoscopy and procedural billing add to consultation income; a physician-friendly lender reads the full corporate picture.
Academic appointments
University or hospital stipends are read alongside clinical billing.
Incorporation
Respirologists with significant clinical income often incorporate and benefit from corporate-income qualification.
04

Incorporation and your qualification.

Incorporated respirologists are underqualified by standard lenders reading the T4 only. Corporate-income programs read the corporation, typically lifting capacity by 50-80%.

FAQ

Respirology mortgage questions.

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

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

Is procedural income counted for a respirologist mortgage?02

Yes. A physician-friendly lender reads procedural billing such as bronchoscopy alongside consultation and academic income through the corporation.

Keep reading
How much can a physician qualify for
Incorporated physician mortgages
Self-employed physicians

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

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