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The debt-service ratio is the share of net household income going to loan repayments. It is one of the first things a bank looks at.
Result
Debt-service ratio—
Total monthly commitments—
Income left over—
There is no single statutory limit. As a rule of thumb lenders scrutinise ratios above about a third of income, but the threshold is each institution’s own policy.
These figures are indicative and not binding. They are the result of an arithmetic calculation on the values you entered and do not constitute a contractual offer, a credit approval, or any guarantee of the terms shown. They exclude fees, taxes, insurance and other charges, and therefore do not represent an APR (TAEG).
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