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    A home for your next chapter

    Mortgage advice for
    healthcare professionals.

    Your next home deserves the same care you bring to your profession. Personal mortgage advice for physicians, dentists, veterinarians and optometrists in Edmonton, Calgary and across Alberta, with service also available in BC and Ontario.

    Discuss my mortgage Explore your pathway

    A personal conversation. No obligation to proceed.

    A fuller view of
    your earning potential.

    Lenders within our network offer projected-income mortgage programs for eligible healthcare professionals. These programs may use a lender-defined income amount linked to your profession and career stage when assessing your application. Actual income must still be verified, and credit, debt, down payment and property requirements apply.

    Your broker confirms the applicable program before you rely on it. A projected-income figure is not a salary forecast or a mortgage approval.

    01

    Physicians & specialists

    Residents, fellows, family physicians and medical specialists. Explore training-stage and early-practice criteria.

    See the pathway
    02

    Dentists

    General and specialty dentistry, including eligible final-year applicants and dentists newly in practice.

    See the pathway
    03

    Veterinarians

    Eligible final-year veterinary applicants and newly practising veterinarians within the applicable completion window.

    See the pathway
    04

    Optometrists

    Eligible final-year students and recent graduates of the University of Waterloo or University of Montreal.

    See the pathway

    Plan around the transition to practice

    A move for residency, an associate position or the start of independent practice can arrive before your earnings history reflects the next stage of your career. We start with your training dates, current income and home-buying timeline, then ask which lender criteria fit. Projected income is a qualification method; it is not a forecast of what you will earn or a substitute for a household budget.

    Choose the pathway for your profession

    Physician programs can consider residency and fellowship stages. The dental, veterinary and optometry pathway focuses on final-year applicants and newly practising professionals. School, credential and completion-date requirements differ, particularly for optometry. Explore your profession’s page for the relevant starting points.

    A home, a renewal or a lender switch

    These programs cover eligible purchases, refinances and switches for an owner-occupied principal residence with one or two units. A refinance and an insured purchase have different financing limits. Rental properties, second homes, mobile homes and practice premises are outside these particular pathways. For a clinic building or another business property, start a separate commercial mortgage conversation.

    Keep borrowing and day-to-day comfort in view

    A qualifying amount can differ from the payment you want to carry while completing training, relocating or building a practice. Student loans and lines of credit still count in the lender’s assessment, including debts not yet in repayment. We can help you compare the proposed payment, term, flexibility and costs against your plans before you rely on an approval.

    Already earning an established professional income?

    You can still discuss your mortgage with Artisan when an early-career program does not fit. Salary, dividends, professional corporation records or self-employed income may need a different assessment. Our self-employed mortgage page, renewal guidance and refinancing information provide starting points for those conversations. A high income alone does not determine approval.

    Before you take the next step

    Which healthcare professionals can explore projected-income mortgages?
    These projected-income pathways cover eligible physicians, including residents, fellows and newly practising doctors, plus eligible dentists, veterinarians and optometrists. Career stage, training, actual income and the rest of the mortgage application still need to meet the chosen lender’s rules.
    Does projected income mean I can apply with no income?
    No. These pathways require verified actual income related to your field. Zero income or income only from an unrelated field does not meet these program requirements. A broker can discuss other options or a later application date.
    Will my student debt be ignored?
    No. Student loans and lines of credit remain part of the debt assessment, even if repayment has not started. The payment used to qualify can differ from the amount you currently pay, so provide the balances and terms for review.
    How much down payment will I need?
    It depends on the program, property, actual income and whether the financing is insured. The amount you must provide from your own resources and the treatment of gifts also need confirmation. Ask your broker for a written breakdown for your specific file before committing funds.
    Can established professionals use these early-career programs?
    The projected-income pathways have defined training and early-practice windows. Established professionals can ask Artisan to assess their documented employment, incorporated or self-employed income through other suitable mortgage options.

    Personal advice, with the details made clear.

    01

    Understand your position

    We discuss your profession, career stage, home plans and the income you can document.

    02

    Check the lender fit

    Your broker confirms eligibility, documentation, down payment and debt treatment for the relevant options.

    03

    Compare before committing

    Review the proposed payment, costs, conditions and flexibility before deciding how to proceed.

    Program information is based on lender criteria dated June 2026. Availability, eligibility, income treatment and terms can change. All applications remain subject to lender and, where applicable, mortgage insurer approval. Your broker will identify the lender and explain the applicable terms when reviewing your options.

    General mortgage guidance: FCAC on mortgage preapproval. This guidance describes the general application process, not the professional-program criteria. Meet Artisan Mortgages.

    Your profession. Your plans.

    Let’s talk about your next home.

    Tell us where you are in your career and what you want to do next. We’ll help you identify the questions and documents that matter.

    Discuss my mortgage

    A personal conversation. No obligation to proceed.