York Region · Ontario

Physician mortgages in Vaughan.

Vaughan added a brand-new hospital and major transit while staying outside the City of Toronto land transfer tax. A strong fit for physicians who want value and access.

Vaughan in short

Vaughan is in York Region, so physicians pay only the Ontario provincial land transfer tax with no Toronto municipal surcharge, roughly $20,500 on a $1.2M home. Cortellucci Vaughan Hospital, Ontario's first new hospital in three decades when it opened, anchors a growing physician community.

~$20,500
Ontario LTT on a $1.2M home
Provincial only, no municipal surcharge
New
Cortellucci Vaughan Hospital
Ontario's first new hospital in roughly 30 years
5-10%
Physician program down payment
Owner-occupied principal residence
01

The Vaughan physician market.

Vaughan pairs new housing stock and rapid transit with a brand-new acute care hospital, Cortellucci Vaughan Hospital, which opened as the first new hospital built in Ontario in roughly thirty years. Physicians get modern facilities and York Region tax treatment rather than the City of Toronto surcharge.

Market (as of)Early 2026
ConditionHigh-priced, balanced
Approx. priceRoughly $1.2M-$1.4M all types

New detached subdivisions and transit-oriented condos near the VMC define the market; detached homes sit above $1.4M.

02

Closing costs: ontario provincial ltt only.

Ontario provincial LTT only
Vaughan is in York Region, outside the City of Toronto, so buyers pay only the Ontario provincial land transfer tax with no municipal surcharge. On a $1.2M home that is roughly $20,500, versus about $40,000 in combined LTT inside Toronto before rebates.
03

Why Vaughan physicians use a specialist.

  • Cortellucci Vaughan Hospital brought a modern acute care site and new physician roles to York Region.
  • No City of Toronto municipal land transfer tax keeps closing costs lower than downtown.
  • New-build inventory suits physicians who want move-in-ready homes near transit.
  • Projected-income and corporate-income qualification apply the same as anywhere in Ontario.
04

Teaching hospitals in Vaughan.

We work with physicians across Vaughan’s teaching network, from residents and fellows to attending and incorporated staff.

FAQ

Vaughan physician mortgage questions.

Does Vaughan have the Toronto land transfer tax?01

No. Vaughan is in York Region, outside the City of Toronto, so buyers pay only the Ontario provincial land transfer tax. On a $1.2M home that is roughly $20,500, about $20,000 less than inside Toronto.

Is Vaughan a good market for physicians?02

Yes, particularly for physicians tied to the new Cortellucci Vaughan Hospital or who want new-build housing near transit, with York Region tax treatment rather than the City of Toronto surcharge.

Nearby markets
Toronto Markham Mississauga

Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.

Vaughan physicians

A Vaughan mortgage, structured around your medical career.

A 30 minute call. Your stage, your income structure, your target purchase. You leave with a real number and a path.

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