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Get Approved Today

Professional Program (Medical, Dental)

Book A Professional Mortgage Strategy Call

Financing that understands call schedules, residencies, and practice ownership.

Physicians and dentists don’t follow a typical career path, so standard mortgage rules don’t always fit. Years of training, large student loans, delays in peak earning, and suddenly a sharp jump in income—all of that makes your file look unusual unless someone knows how to read it. This program is tailored for medical and dental professionals at every stage—residency, fellowship, associate, partner, or clinic owner—so your mortgage reflects your real earning trajectory, not just this year’s tax return.

How Lenders Look At Medical And Dental Professionals

Banks don’t just see a job title; they see risk, income patterns, and long-term potential. For medical and dental clients, that mix can work in your favour—if it’s presented correctly.

Career Stage And Earning Trajectory

A resident with modest current income but a signed offer, a new associate building a patient base, or an established practitioner buying a building are all evaluated differently. We position your file in the context of your training, specialty, and realistic income path instead of treating you like any other salaried applicant.

Compensation Structure And Documentation

Clinic income, billings, fee-for-service, salary plus bonus, or corporate dividends all show up in different places on paper. We align your pay structure—whether personal or through a corporation—with the type of proof lenders expect, so they can see stable, ongoing capacity rather than a pile of unexplained deposits.

Personal Credit, Student Debt, And Reserves

Sizeable student loans are normal in your field. The question is whether, after accounting for those payments, there’s still comfortable room for a mortgage. We review credit behaviour, existing obligations, and liquid reserves to show that even with legacy debt, the overall picture is solid.

What The Professional Program Is Built To Do

This isn’t about special treatment for a title; it’s about matching the way you’re paid and where you’re headed with a mortgage structure that won’t hold you back.

Support Training-To-Practice Transitions

Moving from residency or fellowship into full practice is a major turning point. We help you use contracts, offers, and projected income correctly, rather than being penalized for one low-income tax year that no longer reflects your reality.

Align Debt With Practice And Life Plans

Buying a first home, upgrading, opening or buying into a clinic, or purchasing a commercial space for your practice all create competing demands on cash. We design the mortgage so it doesn’t choke off your ability to invest in your work or maintain a reasonable lifestyle.

Reduce Friction At Each Career Stage

What you need from a mortgage in residency is different from what you need as an owner with staff and overhead. The program anticipates that evolution instead of locking you into a structure that’s fine today but awkward three years from now.

Step-By-Step Experience For Medical And Dental Clients

The process is structured around your time constraints and the way your career actually moves, not generic timelines.
Step 1

Initial Profile Review

We begin with a focused discussion about your role (resident, associate, owner, etc.), current and expected income, existing loans, and what you’re trying to buy or refinance. Using that, we outline what is realistically possible now and what may need a short runway.
Step 1
Step 2

Strategy And Lender Shortlist

Next, we determine which lenders and programs fit your profile: some have specific accommodations for medical and dental professionals, others apply standard rules. We narrow the list to options that make sense for your stage and objectives, then compare structure—rate type, term, amortization, and flexibility.
Step 2
Step 3

Application, Conditions, And Closing

Once a direction is chosen, we build the application and supporting file in a way that makes the underwriter’s job easy: clear narrative, proper income support, and explanations where your file differs from a conventional salaried client. As conditions come back, we help you respond quickly so your approval doesn’t stall.
Step 3
Step 4

Post-Closing Check-Ins

After the mortgage is set up and the purchase or refinance is complete, we stay available for key decision points—renewals, practice changes, or plans to buy a clinic or building—so your financing continues to match your professional life.
Step 4

Who Typically Uses This Program

The details differ from one specialty to another, but the underlying themes are similar: high human capital, non-linear income, and limited time to manage complex paperwork.
Professional Program (Medical, Dental)

Residents And Fellows

You may have modest pay today but clear evidence of what you’ll earn once training wraps up. We work with offer letters, contracts, and lender policies that recognize your near-term earning power.

Early-Stage Associates

Associates often experience income growth over the first few years as patient panels fill. We take that into account, rather than treating the first year like a permanent ceiling, and look at how to keep enough flexibility for future moves.

Established Practitioners Buying A Home Or Space For Their Practice

If you’re already running or buying into a clinic, we coordinate personal housing needs with practice-related borrowing so the combination is sustainable rather than stretched.

Professionals Restructuring Existing Debt

For doctors and dentists who have combined practice loans, student debt, and a mortgage, we can review whether a re-structure improves cash flow and reduces risk, or whether current arrangements are already efficient.

FAQs

Sometimes, yes. Certain programs will work with residents and fellows using confirmed contracts or offers. Others prefer to wait until you’ve started in your post-training role. We’ll clarify what applies in your case.
No. They’re factored into your overall obligations but are expected in your profession. The important part is how the total payment picture looks relative to income and the size of mortgage you’re considering.
Incorporation can affect how income shows on paper. We’ll discuss the pros and cons from a lending perspective and suggest coordinating timing with your tax advisor so both sides work together.
Some lenders will consider documented, imminent increases (such as signed agreements for a new position), while others focus strictly on current earnings. We target lenders based on which approach suits your situation.

Getting Started With A Professional Mortgage Review

For medical and dental professionals, the right time to have this conversation is often just before a big transition: starting a new role, taking on ownership, or planning a move. To begin, it helps to have: A brief summary of your current role and where you are in training or practice An overview of your income (current and expected) Rough figures for student and other major loans An idea of what you’re looking to buy or refinance and when With that, we can sketch out a financing approach that respects both your profession and your personal plans—and then move as quickly or gradually as your schedule allows.
Schedule Your Professional Mortgage Strategy Call
Or reach out by email or phone with the basics, and we’ll map the next steps together.
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