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This is our way of determining how much house you can afford. We use two guidelines to determine the answer to this question:


  • GDSR (gross debt service ratio): Your total monthly home-related expenses, including mortgage payment, heating cost, property taxes, and condo fees, if applicable. GDSR should not exceed 32% of your gross family income.

  • TDSR (total debt service ratio): Your total monthly debt load, which includes: mortgage, property tax, utilities, and condo fees, along with debt re-payment such as loans or lines of credit, car loans, credit cards, lease payments. TDSR should not exceed 40% of your monthly gross family income.

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