Use gross (pre-tax) monthly income - that's what most lenders assess. Updates as you type.
Debt-to-income ratio
| DTI | How lenders tend to view it |
|---|---|
| Under 20% | Excellent - comfortable affordability |
| 20%–35% | Manageable - generally fine for most lenders |
| 36%–42% | Stretched - may limit borrowing options |
| 43%+ | High - many lenders see this as the upper limit |
UK mortgage lenders also use income multiples and a full affordability assessment - DTI is one signal, not the whole decision.
| Debt / Income | DTI | |
|---|---|---|