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GDS & TDS CALCULATOR

	Payment Amount	Payment Frequency	Annual Calculation Values
Mortgage Principle & Interest payment
Property Tax
Heating costs
Condo Maintenance Fee
Gross Income
To accurately calculate your TDS you must input all qualifying Other Debts as mentioned in the Information Icon beside the Other Debts field.
Other Debts	x Here are examples of items included in the TDS ratio include: Loans Line Of Credits Mortgage payments Credit Cards Child Support Alimony Any payment that, if discontinued, would result in a balance owing. Here are examples of items not included in the TDS ratio include: RRSP Contributions Car Insurance Property Insurance Life Insurance Any payment that, if discontinued, would not result in a balance owing.

GDS		The current GDS Industry Standard for your typical mortgage loan is 34%/Maximum but may vary with Credit Score and lender’s criteria.
TDS		The current TDS Industry Standard for your typical mortgage loan is 42%/Maximum but may vary with Credit Score and lender’s criteria.

Test GDS TDS Formula

	Payment Amount	Payment Frequency	Annual Calculation Values
Mortgage Principle & Interest payment
Property Tax
Heating costs
Condo Maintenance Fee
Gross Income

Other Debts

GDS
TDS

Warren Ifill | Lic# M13000289 | Mortgage Broker

Address: 5757 Kennedy Road. Suite 2 Mississauga, ON. L4Z 0C5

Email: warren@ifillmortgages.com

Office: 888-980-8360

Local: 647-317-1512

Fax: 888-980-8434