Estimate how much home you can afford under Canadian GDS/TDS debt-service ratios.
GDS and TDS are screening ratios, not approval guarantees. Gross Debt Service compares housing costs with gross household income; Total Debt Service adds other monthly debt obligations. Lender and insurer policies still apply, so use the Ontario mortgage affordability calculator for a planning estimate and verify the result before making an offer.
For the published formulas and insured-mortgage limits, see the CMHC debt-service calculator.
Open the Affordability CalculatorGet Broker ReviewMortgage principal and interest, property taxes, heating costs, and applicable condominium fees are compared with gross household income.
TDS adds other monthly obligations such as credit cards, lines of credit, vehicle loans, and personal loans to the housing costs used for GDS.
Qualifying rates, income treatment, insurer rules, lender policy, property details, and verified debts can change the result. An online estimate is not a commitment or approval.
Most lenders use GDS near 32% for housing and TDS up to about 44% for total debt, subject to insurer and lender policy.
Yes. Self-employed borrowers may need two years of tax returns or business-for-self programs.