Assess Your Financial Health for UK Mortgages
Calculate your debt-to-income ratio to understand how your existing debts affect your mortgage borrowing capacity. Essential for UK mortgage applications and financial planning. Updated for October 2025 UK lending criteria.
Enter your income and debt details to assess your financial position for mortgage applications
Essential information about debt-to-income ratios for UK mortgages
UK lenders typically prefer a debt-to-income ratio below 36%, with many considering ratios up to 43% acceptable. A ratio below 28% is considered excellent and will give you access to the best mortgage rates and terms.
Include all monthly debt payments: credit cards, personal loans, car loans, student loans, and any other recurring debt obligations. Do not include utilities, insurance, or other living expenses - only actual debt payments.
You can improve your DTI by paying down existing debts, increasing your income, or both. Focus on high-interest debts first, avoid taking on new debt, and consider debt consolidation to reduce monthly payments.
UK lenders typically use gross monthly income (before taxes and deductions) for DTI calculations. This provides a standardized way to assess your debt burden relative to your earning capacity.
A high DTI ratio may limit your mortgage options and result in higher interest rates, but it doesn't necessarily prevent you from getting a mortgage. Some specialist lenders work with borrowers who have higher DTI ratios, though terms may be less favorable.
This calculator provides educational estimates only and does not constitute financial advice. Debt-to-income ratios are one of many factors lenders consider. UK lenders typically prefer DTI ratios below 40-45%. Include all monthly debt obligations: credit cards, loans, car finance, and other mortgages. All calculations use typical UK lending criteria current as of October 2025. MortgagePro.uk is not regulated by the Financial Conduct Authority. For personalized mortgage affordability advice, consult an FCA-authorized mortgage broker. Your home may be repossessed if you do not keep up repayments on your mortgage.