Kelowna · British Columbia
Physician mortgages in Kelowna
The Okanagan’s medical hub, with UBC’s Southern Medical Program and Interior Health’s referral hospital.
Teaching hospitals and medical schools in Kelowna
UBC Southern Medical ProgramUBC’s MD program, delivered at UBC Okanagan
Kelowna General HospitalInterior Health’s referral centre
$69,311
R1 salary, 2026 RDBC scale
1 tax
BC property transfer tax, with up to $8,000 off for first time buyers
20%
Foreign buyers pay BC’s 20% additional transfer tax in the Central Okanagan
Closing costs for physicians buying in Kelowna
—Land transfer tax after relief
—first time buyer relief
What doctors should know about buying in Kelowna
- Interior Health covers a wide area, so rural rotations and locums are common. Lenders read locum income differently.
- First time buyers pay no BC property transfer tax on homes up to $835,000.
- We work with Okanagan buyers by video, with documents signed online.
Kelowna physician mortgage questions
Does the foreign buyer tax apply in Kelowna?
Yes, for foreign nationals. The Central Okanagan Regional District is one of the areas where BC’s 20% additional property transfer tax applies.
I do locums across the Interior. Can I still qualify?
Often, yes. How much locum income counts depends on how long you have done it and whether a permanent position is lined up.
Other cities
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