Free Calculator
Debt-to-Income Ratio Calculator
See how lenders assess your affordability before you apply for a mortgage or loan.
Debt-to-Income Ratio Calculator
Total Monthly Debt Payments
Debt-to-Income Ratio
Lender Assessment
Max New Debt at 36% DTI
Explained by Rob Evans, EyeOnYourCredit.com
EyeOnYourCredit.com
Your debt-to-income (DTI) ratio is the percentage of your gross monthly income that goes toward debt repayments. Mortgage lenders use this figure to assess whether you can afford additional borrowing. Most UK lenders prefer a DTI below 36%, and many will decline applications where total debt repayments exceed 43% of gross income.
Related Guides
Check Your Credit Score Before You Apply
CHECK YOUR CREDIT SCORE NOW