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Rheumatology mortgages, done right.

Rheumatology is a clinic-driven medical specialty, often with infusion oversight and academic work. A lender that reads the full picture protects your qualification.

The short answer

A Canadian rheumatologist typically qualifies for $1.3M to $2.1M on attending income, and more once incorporated. Income is consultation and clinic fee-for-service, sometimes with infusion oversight and academic appointments.

~$285K+
Projected attending income
Typical rheumatology projection
$1.3M-$2.1M
Typical qualification
Attending, before incorporation uplift
50-80%
Incorporation uplift
Versus personal T4 alone
01

How rheumatologists earn.

Rheumatologists earn consultation and clinic fee-for-service income, often with infusion program oversight and academic appointments. Many attendings incorporate.

Projected incomeAround $285,000+ projected attending income
Typical qualification$1.3M - $2.1M attending; more when incorporated
02

What matters for your mortgage.

Clinic income
Consultation and clinic billing should be read together, not reduced to one stream.
Infusion oversight
Infusion program oversight adds steady income a physician-friendly lender reads alongside clinic billing.
Incorporation
Rheumatologists with significant clinical income often incorporate and benefit from corporate-income qualification.
03

Incorporation and your qualification.

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

FAQ

Rheumatology mortgage questions.

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

A Canadian rheumatologist typically qualifies for $1.3M to $2.1M on attending income, and more once incorporated and qualified on corporate income plus dividends.

How is clinic income treated for a rheumatologist mortgage?02

A physician-friendly lender reads consultation, clinic, and infusion oversight income together through the corporation, rather than using only one stream.

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.

Rheumatology

A mortgage that reads your income the way it actually works.

A 30 minute call. Your billing, your corporation, your target purchase. You leave with a real number and a path.

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