How surgeons earn.
Surgeons earn through fee-for-service billing and hospital appointments, and most attendings incorporate. Training is long (often 5-7 years plus fellowship), so projected income and signed offers matter more here than in most specialties.
What matters for your mortgage.
Incorporation and your qualification.
Attending surgeons typically incorporate. Corporate-income qualification reads the corporation rather than the modest T4, lifting capacity by 50-80% for established surgeons.
Surgery mortgage questions.
How much mortgage can a surgeon qualify for in Canada?01
A Canadian surgeon typically qualifies for $1.5M to $2.5M on attending income, and $3M or more once incorporated. Surgical trainees can qualify at attending capacity during training using projected income and a signed fellowship or staff offer.
Can a surgical resident buy a home before becoming an attending?02
Yes. Given surgery's long training, projected income and a signed fellowship or attending offer are especially valuable. They let a surgical resident or fellow qualify at attending capacity well before the first attending T4.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.