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Debt to Income Mortgage Calculator

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Mortgage Calculators Debt to Income Mortgage Calculator

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Debt to Income Mortgage Calculator

Find out how your monthly debt compares to your income. Enter your gross monthly income and total debt payments to see your debt-to-income ratio and what it means for your borrowing power.
£
£
Total monthly debts
0-20%
20-40%
40-60%
60%+

Your debt-to-income ratio

Based on a monthly income of and debt payments of .

Gross Monthly Income
Monthly Debt Payments
Remaining After Debts
Debt-to-Income Ratio
Low (0-20%)

Your debt is well within manageable levels. Lenders will generally view you as a low-risk borrower, and you should have access to the widest range of mortgage and loan products.

Moderate (20-40%)

Your debt is at a level that most lenders will still consider acceptable, but it may start to limit how much you can borrow. Paying down some debts before applying could improve your options.

High (40-60%)

Your debt payments are taking up a significant share of your income. Many lenders will see this as higher risk, and your borrowing options may be more limited. Consider speaking to a broker who can find lenders suited to your circumstances.

Very High (60%+)

Most of your income is going towards debt repayments. Borrowing further will be very difficult with most lenders. A broker or debt adviser can help you explore your options and find a way forward.

What is a debt-to-income ratio? Your DTI ratio shows what percentage of your gross monthly income goes towards debt repayments. Lenders use it to assess how comfortably you can manage additional borrowing.

How it's calculated: We divide your total monthly debt payments by your gross monthly income and multiply by 100 to get a percentage.

What counts as debt? Include loan repayments, credit card minimum payments, car finance (HP/PCP), student loan payments, and any other contracted debt obligations. Do not include rent, utilities, food, or general living expenses.

What lenders look for: Most mortgage lenders prefer a DTI ratio below 40%, though some specialist lenders may accept higher ratios depending on your overall financial situation.

This is an estimate to help you understand your financial position. Individual lender criteria will vary.

Need help managing your debts?

A mortgage broker can help you understand how your debt-to-income ratio affects your borrowing options and find the best deal for your circumstances.

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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

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Money Helpdesk is a trading style of LeadCrowd Limited which is registered in England and Wales (10963512).

Our registered office is The 1812 Building, Wheatley Park, Mirfield, West Yorkshire, WF14 8HE.

Money Helpdesk is an independent marketing website that acts as an introducer to FCA regulated companies. The guidance and or advice contained within this website is subject to the UK regulatory regime and therefore primarily targeted to customers in the UK. Any and all personal information that we may collect will be used and held in accordance with our privacy policy. We may use your personal information to contact you or pass your details to other companies associated with us, to contact you (including by telephone) to provide you with details and services in relation to any enquiry you make to us. Any rates shown are for illustrative purposes only, they should not be taken as any form of advice or recommendation. Actual mortgage quotes are based on individual circumstances.

At Money Helpdesk, we strive to provide informative guides and tips, however, please note that you use the information provided at your own risk. We cannot be held liable for any issues that arise from using the information provided.

The information found on our website is not tailored advice specifically for each individual reader and therefore should not be taken as financial advice.

Our team is updated regularly to keep up with changing lender criteria and policies, so be sure to contact one of our advisors for accurate up-to-date information. All of the advisors we work with are qualified to provide advice and partner with firms authorised and regulated by the Financial Conduct Authority. These specialists are regulated professionals who can provide tailored advice that fits your needs.

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The rates shown are for illustrative purposes only, they should not be taken as any form of advice or recommendation. Actual mortgage quotes are based on individual circumstances.

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