Big banks see a complicated file. We see a strong borrower. Access lender programs built for incorporated and professional income — often with as little as 5–10% down.
Many healthcare professionals are declined or low-balled simply because a generalist couldn't interpret a notice of assessment, T2 return, or a new-grad contract. We work daily with lenders who do.
Professional purchase programs let qualified physicians and dentists buy with a smaller down payment.
We document professional-corporation and dividend income the way underwriters want to see it.
Signed employment or residency contract? Several lenders will approve before your first paycheque.
Build a property portfolio with rental offset programs designed for high-income professionals.
Often yes. With a signed employment, partnership or residency contract, several lenders will approve based on your future income — frequently up to 90 days before your start date.
We can use a blend of T4 salary, dividends and retained earnings depending on the lender. The key is presenting two years of corporate financials and notices of assessment so the underwriter sees consistent, defensible income.
Professional student debt is expected and many lenders weigh it favourably given your earning trajectory. We structure the application so it's contextualised, not penalised.
Professional purchase programs can go as low as 5–10%. The right structure depends on price, location and whether you're buying owner-occupied or investment property — we'll map it out on your call.
Tell us your specialty and goal — we'll bring you lender options designed for healthcare professionals within one business day.