Module 2 · Lesson 3 of 6 · 7 min read

GDS & TDS Ratios

The numbers that determine how much you can borrow

Gross Debt Service (GDS) Ratio

GDS = (Mortgage Payment + Property Taxes + Heating + 50% of Strata Fees) ÷ Gross Annual Income. The maximum GDS is typically 39% for insured mortgages (CMHC) and 35% for conventional (though some lenders flex this).

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