GDS / TDS Debt Service Ratio Calculator Canada
Check your Gross Debt Service and Total Debt Service ratios the way Canadian lenders do, and see the mortgage size they support.
Calculate your Gross Debt Service (GDS) and Total Debt Service (TDS) ratios to determine if you qualify for a mortgage. Canadian lenders typically require GDS ≤ 32% and TDS ≤ 40%.
All debt payments including housing costs plus credit cards, loans
Pay down existing debts to improve your ratios
Consider a larger down payment to reduce mortgage payments
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