Physician Mortgage Calculators (all of them on one page)
Physician-specific planning math — full OSFI stress test, Canadian semi-annual compounding, and lender-specific treatment where it matters. Free, no sign-up, and your numbers never leave your browser.
Every calculator here is built on published Canadian government rules and lender methodology, and was last checked for accuracy on October 15, 2026. Rates and program rules change; we confirm the current numbers for your file before you rely on them.
Start with these three
Affordability Calculator
Career stage, lender, specialty, down payment and source, your line of credit, student debt, partner income — the full B-20 stress test with the insurance premium inside the solve.
Line of Credit Calculators
Two calculators for one line. The approval calculator reads the same line five ways, from 3% of your limit to a 15-year amortization on a lender's own line; the gap is the number that moves approvals. The payoff calculator prices paying it down against folding it into a mortgage.
Renewal Calculator
Your bank's offer against a competing rate over the whole term — payment difference, interest difference, and the balance gap at term end.
The rest
Rate Check Calculator
Your rate measured against a working desk reference, plus the estimated penalty to switch and your break-even in months.
Corporate Income Calculator
Draw only, grossed-up dividends, and add-back programs on the same corporation, side by side.
Rent vs Buy Calculator
Seven western cities, full closing costs including BC property transfer tax, and the year buying pulls ahead.
Prepay or Invest Calculator
After-tax math on surplus cash — a guaranteed tax-free return at your mortgage rate versus what the market has to beat.
Rental Property Calculator
Cap rate against a city benchmark, monthly cash flow, and debt-service coverage.
What a lender will ask for
For a projected-income file, usually: confirmation of your residency or fellowship enrolment, or your signed employment/associate contract with specialty and start date; proof of licensure or College registration; recent Notices of Assessment plus a current income document; your down-payment source with about 90 days of history (a gift letter if any of it is gifted); and your line-of-credit and other debt details. Ramin sends a tailored checklist once your lender is chosen.