Ijara Community Development offers projected-income home financing for physicians across Canada. Doctors who are completing residency or fellowship, or who are within 24 months of completing, can qualify on projected earnings rather than current resident pay. The contract is ijara wa iqtina (lease to own through a trust). Manzil is not a physician-loan product in our data. Start on the Ijara CDC provider page and the home financing hub.
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Who Qualifies
The physician projected-income program is nationwide in Canada. A Toronto, Vancouver, Calgary, Montreal, or smaller-city file uses the same product. You are in scope if you are a physician completing residency or fellowship, or you are within 24 months of completing. Underwriting uses projected attending earnings, not only the stipend you earn today. Confirm specialty, offer-letter timing, and documentation with Ijara CDC. Do not confirm whether they serve your province. They do.
Program Terms We Can State
| Item | On this program |
|---|---|
| Structure | Ijara wa iqtina (lease to own through a trust) |
| Geography | Nationwide in Canada |
| Who it is for | Physicians completing, or within 24 months of completing, residency or fellowship |
| Down payment bands | 5% and 10% |
| Term | 1 to 5 years |
| Amortization | 25 years |
| Profit rate | Not published here. Ask Ijara CDC for a written quote |
Those are the bands we can publish. Do not treat a blog as a rate sheet. Get the down payment, rent schedule, and early-payoff language in writing for this purchase.
Manzil Is Not This Product
| Provider | Physician projected-income mortgage | What to use them for instead |
|---|---|---|
| Ijara CDC | Yes. Nationwide Canada, facts in the table above | This house, including a resident or fellow file |
| Manzil | No. Not a physician-loan product in our data | Halal investing and Manzil's own home-financing products where they serve the province |
If you also want a screened TFSA or FHSA, Manzil investing is a separate conversation. Do not shop Manzil as a substitute for this Ijara physician file.
Dentists and Veterinarians
Ijara also has a projected-income path for dentists and veterinarians, with a 12-month window rather than the physician 24-month window. That is a sibling program. This page is the physician file. Ask Ijara CDC which application to open if you are a dentist or vet.
Frequently Asked Questions
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Can a resident get a halal mortgage in Canada on future income?
Yes, on Ijara CDC's physician projected-income program if you are completing residency or fellowship, or you are within 24 months of completing. Confirm documents for this file.
Is this available outside Ontario?
Yes. The physician program is nationwide in Canada. Coverage is a fact.
Does Manzil offer a physician mortgage?
Not in our data. Manzil is not a physician-loan product. Use Ijara CDC for this file.
What down payment should a physician plan for?
Ijara's physician program uses 5% and 10% down bands, with 1 to 5 year terms and 25-year amortization. Which band you land in depends on the file. Get it in writing.
Compare providers in your state
See side-by-side comparisons of Shariah-compliant products, or let our matcher recommend the best options for your situation.
Canadian physicians who are finishing training can use Ijara CDC projected-income ijara nationwide. Manzil is not that product. Get a written quote, then compare on the home financing hub.
