Optometry

Optometrist mortgages.
A clearer plan for your home.

Finish training, begin practice and plan a home purchase with the program requirements in view. We help you connect your education, current income and buying timeline.

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 options for eligible optometrists. This projected-income pathway is limited to final-year applicants at the University of Waterloo or University of Montreal, or newly practising graduates of those programs within 12 months of completion. Actual income related to optometry is also required.

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

School eligibility is specific

This optometry pathway names two universities and does not allow school exceptions. We check your institution and credential before considering projected income under that program. An optometry qualification from another institution does not automatically fit these rules, even when you are licensed to practise. We can discuss other financing options using the income and records available.

Connect graduation, income and the moving date

If you are in the final year, provide confirmation of enrolment and the year of study. If you have completed the program, bring dated completion evidence so the broker can check the 12-month window. Current income must relate to optometry. A future role, expected earnings or the degree alone does not replace the requirement for verified actual income.

Plan for student debt and down payment together

Student loans and lines of credit count in the debt assessment even if payments are deferred. Their qualifying treatment, the down-payment amount and any required contribution from your own resources need to be reviewed together. If a family member plans to help, confirm the treatment of that gift with your broker before making a financing commitment.

Keep the property purpose clear

This program covers eligible purchases, refinances and switches for an owner-occupied principal residence with no more than two units. A rental property, second home or optometry office is outside that particular residential pathway. A purchase of business premises belongs in a separate commercial property discussion.

Established optometrists and practice owners

If you have been in practice longer, we can assess a home purchase, renewal or refinance using your documented income. Explain whether you receive employment income, associate payments or income through a professional corporation. Our self-employed mortgage information is a useful starting point when business records form part of the application; the broker will tailor the document request to the lender and file.

Before you take the next step

Which optometry schools are named in this program?

The University of Waterloo and University of Montreal are the two institutions named. This program does not allow school exceptions. Your broker should verify the current criteria and your credential before relying on this pathway.

Can a newly practising optometrist explore projected income?

Potentially, if the applicant completed an eligible Doctor of Optometry program within the last 12 months and has verified income related to optometry. Other income, debt, credit, down-payment and property requirements also apply.

What if I trained at another university?

That would fall outside the school criteria of this particular projected-income pathway. Artisan can discuss other mortgage options based on your documented income and full circumstances, without assuming an exception to these rules.

Is my future optometry income guaranteed by the program?

No. A lender-defined projected income is an assessment figure for eligible applications. It is not a salary forecast, a mortgage approval or a replacement for verifying your actual related income.

Personal advice, with the details made clear.

Understand your position

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

Check the lender fit

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

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