How urologists earn.
Urologists earn surgical and procedural fee-for-service income with hospital appointments, and nearly all attendings incorporate.
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.
Incorporated urologists are underqualified on personal T4 alone. Corporate-income programs read corporate revenue and dividends, typically lifting capacity by 50-80%.
Urology mortgage questions.
How much mortgage can a urologist qualify for in Canada?01
On the physician program's projected income of $300,000 for urologists 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 urologists qualify on actual income, and incorporated urologists on corporate income, which is usually higher.
Should a urologist qualify on corporate income?02
Almost always. Most urologists incorporate and take a modest T4, so corporate-income qualification reads the corporation and typically lifts capacity by 50-80%.
Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.