Calculator/Finance Calculator/ Loan Limit Calculator (LTV/DTI/DSR)

Three separate rules decide your borrowing limit

How much you can borrow is not set by a single rule. LTV looks at the value of the collateral, while DTI and DSR look at how much of your income goes to repayments. Each one produces its own limit, and the lowest of them is the one that applies. This calculator works out all three at once and tells you which rule decided the outcome.

You do not have to fill in everything. Enter the values you know and the calculator shows whichever figures it can already work out.

What the terms mean
  • LTV (loan-to-value)
    The loan amount as a share of the property value. Borrowing 300,000 against a property worth 500,000 gives an LTV of 60%. It looks only at the collateral, not at your income.
  • DTI (debt-to-income)
    Repayment burden as a share of annual income. It adds the yearly principal and interest on the new mortgage to the yearly interest only on your existing debt.
  • DSR (debt service ratio)
    A stricter measure than DTI. For existing debt it counts the full yearly principal and interest, not just the interest. That is why DSR is usually the first rule you run into.
How DTI and DSR differ

Say you already owe 50,000 on a personal loan at 5% with 3 years left. DTI counts only the 2,500 of interest, while DSR counts roughly 18,000 of principal and interest. The same debt weighs more than seven times as much.

Your details every field is optional

Collateral
Leave this empty to skip LTV and calculate the other measures only.
Loan terms
Leave this empty to calculate only how much you could borrow.
Defaults to 3%. Try it again with the rate you were actually quoted.
year
A longer term lowers the monthly payment, which lowers DSR.
year
Set 0 to repay principal and interest from the first month.
Income
Leave this empty to skip DTI and DSR and calculate LTV only.
Existing debt
Enter any loans you are still repaying. Leave it empty if you have none.
year
If your loans carry different rates and terms, listing them separately is more accurate. Enter even one line here and it replaces the simple entry above.
Type
Outstanding balance
Rate (%)
Years left
Lending thresholds (you can change these)
These thresholds differ by country, lender, product and location. The values here are reference defaults, so replace them with the figures you were actually given.

Verdict

Enter whichever values you know above and results appear straight away. You do not need to fill in everything.

Results

LTV (loan-to-value) Not calculated
-
Enter the property value to calculate this.
DTI (debt-to-income) Not calculated
-
Enter your annual income to calculate this.
DSR (debt service ratio) Not calculated
-
Enter your annual income to calculate this.

How much you can borrow

Enter the property value or your annual income to calculate your limit.

These results are a guide only and do not guarantee approval or any particular limit. Confirm the exact terms with your lender.

Frequently asked questions

Yes. Each measure is calculated independently as soon as the values it needs are present. Enter only the property value and you get the LTV limit; enter only your income and you get the DTI and DSR limits. Nothing is mandatory.

Because DSR counts the principal you repay on existing debt, while DTI counts only the interest. The gap widens the more existing debt you carry and the shorter its remaining term.

It looks that way if you only check year one. But once the interest-only period ends you must repay the principal over a shorter remaining term, so the monthly payment jumps. This calculator sets the limit using the year with the heaviest burden, so adding an interest-only period does not raise it. The year-one figure is shown alongside for reference.

No. A real assessment also weighs your credit score, job security, the specific property and the lender's own internal rules. This calculator works out the regulatory ratios only, as a guide.

Because LTV, DTI and DSR limits vary by country, region, product and lender, and change often with policy. The defaults are only a starting point, so enter the figures you were actually given for an accurate result.

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