Estimate how much home you can afford under Canadian GDS/TDS debt-service ratios.
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Buyers, renewers, switchers, refinancers, self-employed borrowers, and newcomers comparing real mortgage choices.
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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.