How respirologists earn.
Respirologists earn consultation and procedural fee-for-service income, often with academic or hospital appointments. Many attendings incorporate.
What matters for your mortgage.
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%.
Respirology mortgage questions.
How much mortgage can a respirologist qualify for in Canada?01
A Canadian respirologist typically qualifies for $1.4M to $2.3M on attending income, and more once incorporated and qualified on corporate income plus dividends.
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.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.