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