Physician mortgages in BC for residents and new doctors
Buy your first home before your first attending paycheque. Medical residents, new physicians, dentists and vets can often qualify on projected income, not the salary they earn today. Asim Ali compares physician mortgage programs and finds the one that fits.
Doctor mortgages for every stage of your career
The rules change at each stage of training. Start with the one that describes you.
Residents & fellows
Qualify on projected income during residency, even with a large student line of credit.
For residents
New to practice
Buy in your first years of practice using a signed contract, before you have two years of tax returns.
For new physicians
Dentists & vets
Many medical professional programs also cover dentists, veterinarians and other health professionals.
For dentists and vetsLenders look at what you are about to earn
A standard mortgage averages your last two years of income. Physician mortgage programs use the income you are expected to earn once you finish training, so a resident salary does not hold you back.
Why physicians call Asim before their bank
Your bank can only offer its own program. A broker shows you where each program is stronger, and that difference is often your line of credit.
One program, one set of rules
- Only that bank's projected-income amounts
- Its own way of counting your line of credit, good or bad for you
- Its own new-to-practice window
- No view of lenders that only work through brokers
Every relevant program, side by side
- Bank healthcare programs and broker-only lenders compared
- The lender that counts your line of credit most favourably
- A pre-approval with the lender you will actually use
- Usually no fee to you; the lender pays the brokerage
From first call to keys, in four steps
- 1
A 20-minute call
Your stage, specialty, contract or start date, line of credit and timing.
- 2
Your comparison
Which programs fit, what each would approve, and the trade-offs, in writing.
- 3
Pre-approval
We submit to the lender that fits best, so you can shop with confidence.
- 4
Closing and beyond
We manage conditions through closing and check in again before renewal.
What to have ready
Nothing is needed for the first call. When you apply, lenders usually ask for:
Physician mortgage programs by the numbers
Projected income lenders can use for a new specialist, before any tax returns.
See Scotiabank's program →Financing on insured medical professional programs, meaning as little as 5% down on eligible homes.
Read the program update →How long after finishing residency some programs still accept projected income.
View the lender's criteria →Current as of November 2, 2026. Programs, amounts and eligibility vary by lender.
Meet Asim Ali, your physician mortgage broker
Asim has been a mortgage broker in British Columbia since 2016. He is the managing broker and co-founder of A.I.M.I. Collective, part of the Dominion Lending Centres network, based in Surrey.
- Ranked #4 in Canadian Mortgage Professional's Top 75 Mortgage Brokers for 2026
- Licensed in British Columbia and Alberta
- Access to bank healthcare programs and lenders that only work through brokers
- Meets in person in the Lower Mainland or by video anywhere in BC
Start with your question
Find out what you can buy before you start looking
Tell us where you are in training or practice. Asim will compare medical professional programs across banks and broker-only lenders and show you a realistic budget.
Check what you qualify for