Exclusive Mortgage Benefits for Ontario’s Nurses & Healthcare Workers
This program is my way of saying thank you. Nurses and healthcare practitioners show up for our communities every single day — through shift work, overtime, and schedules that do not fit a standard pay stub. I built this for every RN, RPN, Nurse Practitioner, PSW, and healthcare aide across Ontario, so you can get a mortgage that actually reflects the work you do.
What Is the Nurses Mortgage Program?
Nurses and healthcare professionals have unique income structures — shift premiums, overtime, part-time contracts, and agency work. Many traditional lenders don’t know how to properly assess this income, which means you may not be getting the best mortgage available to you. The nurses mortgage program works with lenders who understand healthcare compensation.
- Full consideration of overtime, shift premiums, and contract income
- Flexible qualification for part-time and agency nurses
- Preferred rates and cashback offers from select lenders
- Available for purchases, renewals, and refinances
Is This Program for You?
The nurses mortgage program is designed for:
- Registered Nurses (RN) and Registered Practical Nurses (RPN)
- Nurse Practitioners and nursing students
- Personal Support Workers and healthcare aides
- Other regulated healthcare professionals
Whether you’re a new grad starting your career or a veteran nurse looking to refinance, I’ll make sure your full income is recognized and you’re getting the best rate possible.
A Little Extra, On Us
As part of the Nurses Mortgage Program, every client also receives:
- Up to a $400 appraisal rebate
- Up to a $350 rebate toward closing costs, to help cover legal fees
- Live pre-payment tracking — I monitor your mortgage’s performance in real time. If an opportunity ever comes up to break your existing mortgage and save you money, you will hear from me first.
Frequently Asked Questions
Do nurses get special mortgage rates in Ontario?
Yes. Through the Nurses Mortgage Program, Ontario nurses and healthcare workers can access preferred rates and cashback offers from lenders who understand healthcare compensation, including shift premiums and overtime.
Can shift premiums and overtime count toward mortgage qualification?
Yes. The program works with lenders who give full consideration to overtime, shift premiums, and contract income, which traditional lenders often overlook.
Is the program available for part-time or agency nurses?
Yes. Part-time and agency nurses qualify under flexible income guidelines built for variable healthcare schedules.
What rebates come with the Nurses Mortgage Program?
Clients receive up to a $400 appraisal rebate and up to a $350 rebate toward closing costs to help cover legal fees, plus live pre-payment tracking that flags opportunities to save.
Who qualifies for the Nurses Mortgage Program?
Registered Nurses (RNs), Registered Practical Nurses (RPNs), Nurse Practitioners, nursing students, Personal Support Workers, and other regulated healthcare professionals in Ontario.
Can I use this program to refinance my mortgage?
Yes. The Nurses Mortgage Program is available for purchases, renewals, and refinances.
Let’s Get You the Rate You Deserve
Your income is more than what shows on a standard pay stub. Let me connect you with lenders who value the full picture of your healthcare compensation.
Contact Dustin