Physicians, residents & fellows

Physician mortgages.
A plan for your next chapter.

From your first residency appointment to a move into practice, build a home-financing plan around your specialty, current income and the timing of your next step.

Discuss my mortgage Explore your pathway

A personal conversation. No obligation to proceed.

A fuller view of
your earning potential.

Eligible physicians may be assessed using projected income through lenders within our network. This projected-income pathway includes recognized Canadian residencies and fellowships, as well as physicians within 36 months of completing residency or fellowship. Training year and specialty can affect the qualification amount. Actual income and all other lending requirements still 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.

Start with the training year and completion date

For a physician in training, the lender needs confirmation of enrolment, specialty and current year. Final-year residents and fellows may be assessed by specialty. Newly practising physicians need completion records showing the date and specialty. The lender-defined projected figure is used only where actual income is lower; it does not guarantee the mortgage amount or predict future earnings.

Moving before residency begins

If your residency starts after your intended closing date, raise that timing early. An acceptance letter and confirmation from the program provider may support an exception review when the usual registration evidence is not yet available. Acceptance into a program does not by itself establish eligibility: actual related income and the lender’s approval are still required.

International training needs its own assessment

If you trained internationally, your provincial licensing and Canadian citizenship or permanent residence status are part of the eligibility review. The training and registration dates need a file-specific review. Ask us to confirm the applicable completion window with the lender before relying on this pathway; it should not be assumed from the Canadian-trained criteria.

A principal residence alongside a demanding career

An eligible purchase, refinance or lender switch can be considered for an owner-occupied principal residence with one or two units. A rental property, second home or practice building needs a separate financing discussion. Your student line of credit remains part of the debt assessment, even during deferred repayment. Bring its balance and terms along with your current income records.

Established or incorporated physicians

If your practice is beyond the early-career window, we can review the income you actually receive and the records supporting it. Discuss salary, dividends and professional corporation income without assuming that corporate revenue is personal qualifying income. The self-employed preparation guide can help organize the conversation; the broker will confirm which documents your file needs.

Family medicine & specialist practice

Mortgage advice for your medical specialty

From family medicine to specialist practice, explore a mortgage assessment that considers your career stage. The specialties below are included in the projected-income pathway, subject to training dates, actual income and the full application. Ask us about an unlisted physician specialty.

Anesthesiology
Cardiology
Cardiovascular / Thoracic Surgery
Clinical Immunology / Allergy
Critical Care Medicine
Dermatology
Diagnostic Radiologists
Emergency Medicine
Endocrinology / Metabolism
Family Medicine
Gastroenterology
General Internal Medicine
General Surgery
Geriatric Medicine
Hematology
Medical Genetics
Medical Microbiology & Infectious Diseases
Medical Oncology
Nephrology
Neurology
Neurosurgery
Nuclear Medicine
Obstetrics/Gynecology
Occupational Medicine
Ophthalmology
Orthopedic Surgery
Otolaryngology
Pediatrics
Physical Medicine & Rehabilitation
Plastic Surgery
Psychiatry
Public Health & Preventive Medicine
Radiation Oncology
Respirology
Rheumatology
Urology

Before you take the next step

Can a first-year medical resident explore a projected-income mortgage?

Yes, this projected-income pathway includes eligible first-year residents and fellows in recognized Canadian programs. Actual related income, enrolment evidence, credit, debts, down payment and property requirements still apply. A future residency offer alone is not an approval.

Are family doctors and specialist physicians both included?

Yes. The specialty schedule includes family medicine and the medical specialties listed on this page. The projected figure can depend on training stage and specialty, and being listed does not automatically establish eligibility.

What if my medical specialty is not listed?

The program guidelines include a general category for unlisted physician specialties. Your broker must confirm that your training and practice status fit that category and which qualification amount the lender currently permits.

Can a foreign-trained physician use the same pathway?

Potentially. The program criteria include provincially licensed foreign-trained physicians who are Canadian citizens or permanent residents. Completion dates, active registration and the applicable eligibility window need confirmation with the lender before an approval can be relied on.

Is a higher projected income a promise of a larger mortgage?

No. The lender also assesses actual income, student debt and other obligations, credit, down payment and the property. Its qualifying figure is not a salary forecast, an approval or a recommendation to borrow the maximum.

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